Need a loan? You’ve come to the right place. East Idaho Credit Union has a wide variety of low interest rate loans to meet your needs.
Loans are becoming a necessity. Whether you want a new car, RV, a new home, need a line of credit, or want to do some traveling; at EICU you will enjoy some of the lowest rates in Idaho. Our goal is to get you your loan as fast as possible, and at the lowest interest rate that we can.
Have loans somewhere else? Transfer your loans to EICU and save yourself money every month!
Vehicle Loans
If you’re in the market for a new or used vehicle vehicle, East Idaho Credit Union has the loan for you! Auto loan rates are near record lows, meaning you could save thousands in interest. The Credit Union offers excellent rates and terms on a wide variety of new or pre-owned vehicles including new and used cars, trucks, vans or SUVs. And, if you get pre-approved before you go shopping, you’ll be able to drive a better bargain. Call any of our branch locations, or APPLY ONLINE today. Most people living in eastern Idaho qualify for membership.
Selling your vehicle? Trading in? Vehicle Pricing and Information at www.nadaguides.com
Large Recreational Vehicles include; Motor Homes, Travel Trailers, Campers, Boats, and Horse Trailers with living quarters.
- No Down Payment Required, O.A.C.
- New Large Recreational Vehicles financed up to 144 months
- Competitive rates
- Flexible terms
- No application or loan processing fees
- No pre-payment penalties
- Automatic payments
Selling your vehicle? Trading in? Vehicle Pricing and Information at www.nadaguides.com
Small Recreational Vehicles include: Snowmobiles, ATVs, Jet Skis, UTV, and Misc. Trailers.
- No Down Payment Required, O.A.C.
- Small Recreational Vehicles financed up to 60 months
- Competitive rates
- Flexible terms
- No application or loan processing fees
- No pre-payment penalties
- Automatic payments
Selling your vehicle? Trading in? Vehicle Pricing and Information at www.nadaguides.com
Motorcycle loans are used for street motorcycles only, off road motorcycles are considered Small Rvs.
- No Down Payment Required, O.A.C.
- New Large Recreational Vehicles financed up to 144 months
- Competitive rates
- Flexible terms
- No application or loan processing fees
- No pre-payment penalties
- Automatic payments
Selling your vehicle? Trading in? Vehicle Pricing and Information at www.nadaguides.com
Personal Loans
Signature loans are approved on a member’s signature and don’t require a form of collateral for approval. Signature loans can be used for a wide variety of purposes.
The Line of Credit Loan offers accessibility of a revolving line of credit with added checking account protection. Funds can be easily accessed via online, teller transaction, phone transfer or automatically transferred into checking to cover transactions. Line of Credit Loan rates, are based on credit rating and can be as low as 8.5% APR*.
A share secured loan is great for establishing or re-establishing credit.
If you have funds in your savings account or a CD to pledge as security for a loan, this option may work well for you. This loan allows you to borrow up to the amount of available funds in your savings account or certificate by using those funds as collateral for the loan. The funds in your savings account that are securing the loan balance continue to earn dividends and become available as the loan is repaid.
Mortgages
Take advantage of our flexible loan terms and rate you can’t afford to miss. Whatever your home loan goals are, we can make it happen.
East Idaho Credit Union working with Centennial Lending makes the process fast, simple and headache free!
The home of your dreams is just a click away, so get started today!
VISA® Credit Card
East Idaho’s VISA Credit Card is a simple easy to use card that offers straightforward rates and features. This card is perfect for purchases online or in a store, building credit history, or reestablishing credit. Shop with absolutely no risk with VISA’s Zero Liability policy*, where you pay $0 for unauthorized transactions. APPLY TODAY
- Low non-variable rate on both purchases and cash advances
- No annual fee
- No cash advance fees
- No ATM fees**
- 28-day grace period on new purchases
- Use your VISA credit card everywhere that VISA credit cards are accepted
- Security of VISA
*APR = Annual Percentage Rate is subject to credit and other approval.* Does not apply to ATM transactions or PIN transactions not processed by VISA. For specific restrictions, limitations, and other details, see cardholder agreement or www.visa.com. * * Accepted at locations supporting the networks indicated on the back of your card. East Idaho Credit Union does not charge a fee for ATM usage unless indicated on your Rates & Fee Schedule as updated and disclosed. EICU cannot guarantee the owner and/or operator of the ATM does not or will not charge a usage fee. You will be notified prior to processing a transaction if a fee will be assessed. To report loss, theft, or unauthorized use of your card, please contact East Idaho Credit Union - VISA Department. 208-528-5430 M-F 9:00 a.m. - 5:30 p.m. or 1-800-528-2273, 24 hours a day, 7 days a week.