Home/Loans

LOANS

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If you are looking for a low interest rate loan for any of your life’s adventures, look no further. East Idaho Credit Union has the perfect loan for you. With low rates and fixed monthly payments, we offer the tools to make sure you worry less about the money and more about the things that matter.

Take advantage of our flexible loan terms and rates you can not afford to miss when you are looking for your next home. Once we find out what your home loan and mortgage goals are, we can help make it happen. We offer a fast and easy process to help you get into your new home without hassle. Backed by Centennial Lending, get your next mortgage from local people you can trust. There isn’t a better option out there.

(208) 535-2833

Monday – Friday: 7:30am–9:00am | 5:30pm–8:00pm
Saturday: 9:00am–5:00pm

The Institution Identification Number for East Idaho Credit Union with the NMLS Registry is 640508

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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. East Idaho Credit Union wants to help you get your next HELOC right here in East Idaho, because you need someone local you can trust.

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Term Interest Rate
Up to 25 Years 3.50% – 5.25%

Rates are determined off Wall Street Prime Plus Margin**. +APR=Annual Percentage Rate. HELOC APR ranges between 3.50% to 5.25% effective May 24th, 2021. The Annual Percentage Rate will not exceed 18.00%. Approved rates are based on credit worthiness. The interest rate can change semi-annually on the first day of April and October following a change in the Prime Rate. We will use the most recent index available to us as of the 10th business day of the month prior to a rate change. **Floor rate on Wall Street Prime Max rate of 18.00%. $5,000 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.

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A Energy Defense Loan provides funds for Homeowners to make energy efficient improvements to their homes. The Energy Defense Loan is unique because approval is based on gross household income, not a credit score! You can use a Energy Defense Loan to replace your rundown roof, drafty windows, that ancient water heater and much, much more! Weatherization updates to your home can help to reduce your energy costs and increase your home’s value while giving you comfort and peace of mind that you are harnessing the full potential of your home. East Idaho Credit Union wants to help you take control of the power your house holds.

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Term Interest Rate
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.

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Our personal loans are made for you because each one is personalized. Are you looking for a personal loan to pay off some bills, take a trip with the family, or even to make sure that you are ready for an unexpected event? East Idaho Credit Union has the perfect personal loan for you.

Personal loan options include: Share Secured, Line of Credit and Signature Loans.

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Term Interest Rate
36 Months
48 Months
60 Months
8.79% to 17.99%
9.49% to 17.99%
9.99% to 17.99%
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Interest Rate
9.25% to 18.00%

Rates effective as of August 1st, 2021

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Term Interest Rate
Up to 60 Months 2.00% Over CD/Share Rate
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East Idaho Credit Union has car loan rates that are near record lows. As a result, you could save thousands in interest. The Credit Union offers excellent rates and terms on a wide variety of car loans for your new or pre-owned cars. 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.

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Model Year Term Interest Rate
New (2014 & Newer) 66 Months
75 Months
84 Months
2.99% to 14.24%
3.24% to 15.24%
3.69% to 7.49%
Used (2007-2013) 66 Months
75 Months
84 Months
4.79% to 15.99%
5.19% to 8.99%
5.94% to 7.19%
Used (2006 & Older) 66 Months 6.79% to 17.99%

Rates effective as of August 1st, 2021

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Model Year Term Interest Rate
Used/Never Titled (2017 & Newer) 36 Months
48 Months
60 Months
5.19% to 12.14%
5.69% to 12.64%
6.19% to 13.14%
Used (2016-2014) 36 Months
48 Months
60 Months
5.94% to 12.89%
6.44% to 13.39%
6.49% to 13.89%
Used (2013-2009) 36 Months
48 Months
6.29% to 13.24%
6.69% to 13.64%
Used (2008 & Older) 24 Months
36 Months
7.69% to 14.64%
8.19% to 15.14%

Rates effective as of August 1st, 2021

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Model Year Term Interest Rate
New (2017 & Newer) 120 Months
144 Months
180 Months
4.89% to 12.49%
5.29% to 12.24%
5.79% to 8.99%
Used (2012 – 2016) 120 Months 6.54% to 14.49%
Used (2011 & Older) 84 Months 6.79% to 10.49%

Rates effective as of August 1st, 2021

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Term Interest Rate
36 Months
48 Months
60 Months
72 Months
3.99% to 12.19%
4.29% to 12.49%
4.79% to 12.99%
5.29% to 13.49%

Rates effective as of August 1st, 2021

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The Visa® Credit Card from East Idaho Credit Union. These 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 and these are only some of the benefits of your next Credit Card. Backed by the reliability of Visa, you know that East Idaho Credit Union has your (and your wallet’s) best interest at heart.

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VISA® Classic Interest Rates
2.75% to 11.00%
Visa Classic Application
VISA® Signature Interest Rates
6.75% to 13.00%
VISA Signature Application

Your local source for the needed capital to grow your business. Because we are invested in you and invested in community, we care about your success and making your business a strong part of our region.

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