Loans

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Auto & RV Loans

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*
2017 & Newer	5.19% to 12.94%
2016 – 2011	6.17% to 13.94%
2010 & Older	7.37% to 13.19%

Rates effective as of July 15th, 2022

RV Rates

Year	APR*
2018 & Newer	5.94% to 16.99%
2017 – 2013	7.59% to 15.99%
2012 & Older	7.84% to 11.49%

Rates effective as of July 15th, 2022

Powersports Rates

Year	APR*
2018 & Newer	5.79% to 15.14%
2017 – 2015	6.54% to 15.89%
2014 – 2010	6.89% to 16.24%
2009 & Older	8.29% to 15.39%

Rates effective as of June 1st, 2022

Motorcycle Rates

Year	APR*
Any	4.59% to 16.24%

Rates effective as of June 1st, 2022

Marine Rates

Year	APR*
2018 & Newer	5.94% to 16.99%
2017 – 2013	7.59% to 15.99%
2012 & Older	7.84% to 11.49%

Rates effective as of July 15th, 2022

VISA® Credit Cards

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*
6.00% to 14.25%

Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of August 1st, 2021

VISA® Signature Rates

APR*
10.00% to 16.25%

Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of August 1st, 2021

Home Equity Line of Credit

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	As low as 3.80%

Rates are determined off Wall Street Journal Prime Plus Margin. 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. *APR=Annual Percentage Rate. The Annual Percentage Rate will not exceed 18.00%. Approved rates are based on credit worthiness. We will use the most recent index available to us as of the 1st business day of the month prior to a rate change. $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.

Signature Loans

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

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 Loan

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.

Share Secured Rates

Term	APR*
Up to 60 Months	2.00% over CD rate

Rates effective as of August 1st, 2021

Energy Defense Loan

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	5.90% to 10.25%

*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.