Did you know that EICU’s low interest loan rates can save you thousands over time? Even if you have a loan with another bank, you can refinance your loan with EICU to save yourself money every single month.
VEHICLE LOAN RATES
Select a loan type to see interest rates.
| 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
| 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
| 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
| 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
PERSONAL LOAN RATES
Select a loan type to see interest rates.
| 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.
| 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.
| Term | Interest Rate |
|---|---|
| 36 Months 48 Months 60 Months |
8.99% to 17.99% 9.49% to 17.99% 9.99% to 17.99% |
Select a loan type to see interest rates.
| Interest Rate |
|---|
| 2.75% to 11.00% |
Rates published are “best” available rates and may differ based on your financial situation. All rates are quoted as the Annual Percentage Rate (APR). Approved rates are based on credit worthiness. The interest rate can change quarterly on the first day of January, April, July, and October following a change in the Prime Rate. The Annual Percentage Rate will never be more than 18.00%. Online rate schedule may not reflect most current rate changes and are subject to change without notice. Please verify rates with your local branch for complete accuracy. Rates effective as of August 1st, 2021
| Interest Rate |
|---|
| 6.75% to 13.00% |
Rates published are “best” available rates and may differ based on your financial situation. All rates are quoted as the Annual Percentage Rate (APR). Approved rates are based on credit worthiness. The interest rate can change quarterly on the first day of January, April, July, and October following a change in the Prime Rate. The Annual Percentage Rate will never be more than 18.00%. Online rate schedule may not reflect most current rate changes and are subject to change without notice. Please verify rates with your local branch for complete accuracy. Rates effective as of August 1st, 2021