Loans
To get started, choose the type of loan you are looking for:
We offer a fast and easy process to help you get into your new home without hassle. Take advantage of our flexible loan terms and rates you can not afford to miss when you are looking for your next home.
For a limited time, get approved & receive $1,500 cash back at closing*
*Offer valid through March 31st, 2022. All loans subject to approval. Some restrictions may apply. $50,000 minimum loan amount. Refinancing not eligible. The Institution Identification Number for East Idaho Credit Union with the NMLS Registry is: 640508. Member NCUA. Equal Opportunity Lender.
NMLS #: 640508
Excellent rates and terms on a wide variety of vehicle loans for your new or pre-owned vehicles.
If you are looking to refinance your car loan, East Idaho Credit Union makes it easy to switch and start saving money every single month.
Auto Rates
| Year | APR* |
|---|---|
| 2015 & Newer | 2.99% to 15.24% |
| 2014 – 2008 | 4.79% to 15.99% |
| 2007 & Older | 6.79% to 17.99% |
Rates effective as of January 6th, 2022
RV Rates
| Year | APR* |
|---|---|
| 2018 & Newer | 4.89% to 12.49% |
| 2017 – 2013 | 6.54% to 14.49% |
| 2012 & Older | 6.79% to 10.49% |
Rates effective as of January 6th, 2022
Powersports Rates
| Year | APR* |
|---|---|
| 2018 & Newer | 5.19% to 13.14% |
| 2017 – 2015 | 5.94% to 12.89% |
| 2014 – 2010 | 6.29% to 13.24% |
| 2009 & Older | 7.69% to 15.14% |
Rates effective as of January 6th, 2022
Motorcycle Rates
| Year | APR* |
|---|---|
| Any | 3.99% to 12.19% |
Rates effective as of August 1st, 2021
Marine Rates
| Year | APR* |
|---|---|
| 2018 & Newer | 4.89% to 12.49% |
| 2017 – 2013 | 6.54% to 14.49% |
| 2012 & Older | 6.79% to 10.49% |
Rates effective as of January 6th, 2022
These VISA® credit card services offer convenience, security, and service. With this credit card, you won’t have to worry about annual, cash advance or ATM fees.
Purchase online or in a store, build credit history, or re-establish credit.
VISA® Classic Rates
| APR* |
|---|
| 2.75% to 11.00% |
Rates effective as of August 1st, 2021
VISA® Signature Rates
| APR* |
|---|
| 6.75% to 13.00% |
Rates effective as of August 1st, 2021
A Home Equity Line of Credit (HELOC) is a loan set up as a line of credit for a maximum draw, rather than using a fixed dollar amount like a mortgage.
Borrow against the available equity in your home and the house is used as collateral for the line of credit.
HELOC Rates
| Term | APR* |
|---|---|
| Up to 25 Years | 3.50% to 5.50% |
Rates are determined off Wall Street Journal Prime Plus Margin**. +APR=Annual Percentage Rate. HELOC APR ranges between 3.50% to 5.25% effective January 1st, 2022. The Annual Percentage Rate will not exceed 18.00%. Approved rates are based on credit worthiness. The interest rate can change with the Wall Street Journal Prime Rate or quarterly, effective by month end of the first month of each quarter, following a change in the Prime Rate. We will use the most recent index available to us as of the 1st business day of the month prior to a rate change. **Floor rate 3.50% with Max rate of 18.00%. $20,000 minimum, $250,000 maximum line of credit. Early payoff (less than 3 years) requires $300 finance charge. Adequate Property insurance must be maintained. Appraisal fees may be passed on to the borrower. All loans are OAC. EICU is an Equal Opportunity Lender.
Signature loans are approved on a member’s signature and do not require a form of collateral for approval.
If you need the money quick, signature loans are the best way to go for you.
Signature Loan Rates
| Term | APR* |
|---|---|
| Up to 60 Months | 8.79% to 17.99% |
Rates effective as of August 1st, 2021
Line of credit loans have a revolving line of credit with added checking account protection for your convenience.
If you are looking for a way to further your credit while having access to money when you need it, a line of credit loan is for you.
Line of Credit Rates
| APR* |
|---|
| 9.25% to 18.00% |
Rates effective as of August 1st, 2021
Share secured loans use funds that are in your savings account to secure the loan while they still continue to earn dividends.
For those of you out there that are looking to start earning credit, a Share Secured Loan is a great way to start.
A Energy Defense Loan provides funds for Homeowners to make energy efficient improvements to their homes.
You can use a Energy Defense Loan to replace your rundown roof, drafty windows, that ancient water heater and much, much more!
Energy Defense Rates
| Term | APR* |
|---|---|
| Up to 7 Years | 5.30% to 9.50% |
*APR=Annual Percentage Rate. Energy Defense APR ranges between 5.3% to 9.5%. $500 Minimum, $32,000 Maximum. Rates, terms, and conditions based on creditworthiness, qualifications, loan amounts, and verifiable gross household income. All loans subject to approval. Improvements must be for homeowner’s primary residence. Loan proceeds directly payable to the installers and retailers of weatherization activities and products. Loan use is for weatherization and/or energy efficiency purposes only, including purchasing approved appliances. Primary Residence Mortgage Loan must be current. East Idaho Credit Union is an Equal Opportunity Lender.
A Business Term Loan is perfect for your business if you are ready to expand or make some improvements along the way.
Business loans include: Term Loans, Lines of Credit, VISA® Credit Cards, Commercial Real Estate & Construction Loans.
