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.
Primary Residence
HELOC
Refinance
First-time Home Buyers
Lot & Land Loans
Construction Loans
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.
Car Loans
Recreational Vehicle (RV) Loans
Motorcycle Loans
Powersports Loans
Marine Vehicle Loans
Select Vehicle Type
Auto Rates
| Year | APR* |
|---|---|
| 2018 & Newer | 8.34% to 17.09% |
| 2017 – 2012 | 10.07% to 17.99% |
| 2011 & Older | 11.77% to 17.99% |
Rates effective as of 4/1/2023
RV Rates
| Year | APR* |
|---|---|
| 2019 & Newer | 9.84% to 17.99% |
| 2018 – 2014 | 10.24% to 17.99% |
| 2013 & Older | 11.74% to 15.39% |
Rates effective as of 4/1/2023
Motorcycle Rates
| Year | APR* |
|---|---|
| Any | 6.34% to 17.99% |
Rates effective as of 1/1/2023
Powersports Rates
| Year | APR* |
|---|---|
| 2019 & Newer | 6.79% to 16.14% |
| 2018 – 2016 | 7.54% to 16.89% |
| 2015 – 2011 | 7.89% to 17.24% |
| 2010 & Older | 9.29% to 16.39% |
Rates effective as of 1/1/2023
Marine Rates
| Year | APR* |
|---|---|
| 2019 & Newer | 9.84% to 17.99% |
| 2018 – 2014 | 10.24% to 17.99% |
| 2013 & Older | 11.74% to 15.39% |
Rates effective as of 4/1/2023
*choose your own card image*
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 Credit Card
VISA® Signature Credit Card
Select Credit Card Type
Not sure which card is right for you?
VISA® Classic Rates
| APR* |
|---|
| 9.75% to 18.00% |
Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of 1/1/2023
VISA® Signature Rates
| APR* |
|---|
| 13.75% to 18.00% |
Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of 1/1/2023
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.
NMLS#: 640508
HELOC Rates
| Term | APR* |
|---|---|
| Up to 25 Years | As low as Prime minus 0.20% |
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 creditworthiness. 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 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 | 10.79% to 17.99% |
Rates effective as of 10/1/2022
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* |
|---|
| 11.25% to 18.00% |
Rates effective as of 10/1/2022
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
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!
Windows
Doors
Pellet and Wood Stoves
Insulation
Weather Stripping
Air Conditioning
Furnace or Heat Pumps
Roofing
Energy Defense Rates
| Term | APR* |
|---|---|
| Up to 7 Years | 5.90% to 10.25% |
*APR=Annual Percentage Rate. Energy Defense APR ranges between 5.90% to 10.25%. $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.
Features/Benefits
| Feature | Benefit |
|---|---|
| Eligibility | Primary Residence Applicant must be employed or be receiving qualifying fixed income at the time the loan is funded Must be located in Idaho Must be current on primary mortgage Manufactured Homes are eligible only if on a foundation |
| Terms | Up to 84 Months (7 years) Payments will be principal and interest payments Credit Score required to determine qualified interest rate Fixed Interest Rates |
| Loan to Value | Maximum loan amount and term will be determined by gross household income |
| Loan Amounts | Minimum of $500 Maximum of $32,000 |
| Fees | No Origination Fee No Annual Fee |
| Credit Advances | All funds are advanced up front and paid directly to the contractor (in most cases) |
| Uses | Energy Efficient Home Improvements including but not limited to; Energy Efficient Windows and Doors Insulation replacement or augmentation Weather stripping and other energy efficient materials Energy efficient water heaters, heat pumps/furnaces Pellet and wood stove additions or replacements Roof replacements |
A Business Term Loan is perfect for your business if you are ready to expand or make some improvements along the way.
Start-up Loans
Term Loans
Line of Credit
VISA® Credit Cards
Real Estate Loans
Construction Loans
Growing your business is a top priority. We make accessing all of your accounts quick and easy so you can stay focused on your bottom line with these additional services.
Merchant Services
Payroll Services
HR Services
