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PERSONAL LOANS

LOW RATE LOANS FOR
ANY PURPOSE IN LIFE

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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.

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

A line of credit loan has extra protection if you want to make sure that your money is secured. 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.

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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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Signature loans are easy. 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 loans have low rates and the money can be in your account in as little as a couple of days.

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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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A line of credit loan has extra protection if you want to make sure that your money is secured. 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.

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Interest Rate
9.25% to 18.00%

Rates effective as of August 1st, 2021

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Share Secured Loans are a great way to establish credit. 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, apply for a share secured loan today.

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Term Interest Rate
Up to 60 Months 2.00% Over CD/Share Rate
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