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Loan Rates

Loan Rates

HELOC Rates

HELOC Rates

Term APR*
Up to 25 Years As low as 5.30%

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.

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Auto & RV RATES

Auto Rates

Year APR*
2017 & Newer 5.59% to 13.34%
2016 – 2011 6.57% to 14.34%
2010 & Older 7.77% to 13.59%

Rates effective as of 10/1/2022

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RV Rates

Year APR*
2018 & Newer 6.39% to 17.44%
2017 – 2013 8.04% to 16.44%
2012 & Older 8.29% to 11.94%

Rates effective as of 10/1/2022

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Powersports Rates

Year APR*
2018 & Newer 6.79% to 16.14%
2017 – 2015 7.54% to 16.89%
2014 – 2010 7.89% to 17.24%
2009 & Older 9.29% to 16.39%

Rates effective as of 10/1/2022

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Motorcycle Rates

Year APR*
Any 5.59% to 17.24%

Rates effective as of 10/1/2022

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Marine Rates

Year APR*
2018 & Newer 6.39% to 17.44%
2017 – 2013 8.04% to 16.44%
2012 & Older 8.29% to 11.94%

Rates effective as of 10/1/2022

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VISA® Credit Card Rates

VISA® Classic Rates

APR*
6.75% to 15.00%

Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of August 1st, 2022

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VISA® Signature Rates

APR*
10.75% to 17.00%

Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of August 1st, 2022

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Personal Loan Rates

Signature Loan Rates

Term APR*
Up to 60 Months 10.79% to 17.99%

Rates effective as of 10/1/2022

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Line of Credit Rates

APR*
11.25% to 18.00%

Rates effective as of 10/1/2022

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Share Secured Rates

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

Rates effective as of August 1st, 2021

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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.

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Saturday: 10:00am – 2:00pm