LOAN RATES
The Lowest Rates in Idaho
We work hard to give you some of the lowest loan rates. 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.
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Car Loan Rates
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| Model Year | Term | Rate |
|---|---|---|
| New (New-2017) | 60 Months 66 Months 72 Months 84 Months |
2.99% to 13.73% 3.04% to 13.78% 3.14% to 15.03% 3.99% to 16.30% |
| Used (2016-2013) | 60 Months 66 Months 72 Months 84 Months |
3.13% to 13.88% 3.20% to 13.95% 3.32% to 15.25% 3.99% to 17.03% |
| Used (2012-2010) | 60 Months 66 Months 72 Months |
3.52% to 15.72% 3.59% to 16.57% 3.81% to 16.67% |
| Used (2009 & Older) | 66 Months | 5.03% to 17.23% |
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, loan term, and collateral (if any). 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. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of June 22, 2020.
Large RV Loan Rates
Large RV's Include: Motor Homes, Travel Trailers, Campers, Boats & Horse Trailers with Living Quarters
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| Model Year | Term | Rate |
|---|---|---|
| New (2018 & Newer) | 120 Months 144 Months 180 Months |
4.49% to 14.29% 4.99% to 15.79% 5.49% to 17.49% |
| Used (2017 - 2012) | 120 Months | 6.74% to 15.99% |
| Used (2011 - 2010) | 84 Months | 6.74% to 15.99% |
| Used (2009 & Older) | 60 Months | 7.79% to 17.49% |
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, loan term, and collateral (if any). 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. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of September 1, 2020.
Small RV Loan Rates
Small RV's Include: ATV's, Snowmobiles, Jet Skis & Horse Trailers without Living Quarters
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| Model Year | Term | Rate |
|---|---|---|
| Used/Never Titled (2017 & Newer) | 36 Months 48 Months 60 Months |
5.39% to 14.39% 5.89% to 14.89% 6.39% to 15.39% |
| Used (2016-2014) | 36 Months 48 Months 60 Months |
6.14% to 15.14% 6.64% to 15.64% 7.14% to 16.14% |
| Used (2013-2009) | 36 Months 48 Months |
6.49% to 15.49% 6.89% to 15.89% |
| Used (2008 & Older) | 24 Months 36 Months |
7.89% to 16.89% 8.39% to 17.39% |
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, loan term, and collateral (if any). 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. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of April 1st, 2020.
Motorcycle Loan Rates
Motorcycle Loans Include: Street Motorcycles Only (things like dirt bikes are considered Small RV Loans)
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| Motorcycles | Term | Rate |
|---|---|---|
| Subject to Credit Quality | 36 Months 48 Months 60 Months 72 Months |
4.19% to 15.49% 4.49% to 15.99% 4.99% to 16.49% 5.49% to 17.99% |
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, loan term, and collateral (if any). 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. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of April 1st, 2020.
Signature Loan Rates
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| Term | Rate |
|---|---|
| 36 Months 48 Months 60 Months |
8.99% to 17.99% 9.49% to 17.99% 9.99% to 17.99% |
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, loan term, and collateral (if any). 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. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of April 1st, 2020.
Classic Credit Card Rates
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| Rate |
|---|
| 3.00% 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, loan term, and collateral (if any). 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. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of January 1st, 2019.
Line of Credit Loan Rates
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| Rate |
|---|
| 9.50% to 18.00% |
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, loan term, and collateral (if any). 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. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of April 1st, 2020.
Share Secured Loan Rates
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| Term | Rate |
|---|---|
| Up to 60 Months | 2.00% Over CD/Share Rate |
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, loan term, and collateral (if any). 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. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of January 1st, 2019.
Home Equity Line of Credit Rates
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| Term | Rate |
|---|---|
| Up to 25 Years | 3.50% - 6.25% |
+APR=Annual Percentage Rate. HELOC APR ranges between 3.50% to 6.25% effective October 1, 2020. 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. The Annual Percentage Rate will not exceed 18.00%. Approved rates are based on credit worthiness. Application must be received by April 30th, 2020 in order to receive introductory rate. Introductory rate will be in effect for six statement periods following the date of funding. After the introductory period, rate will revert to qualifying rate. $5,000 minimum, $250,000 maximum line of credit. ++CU pays flood, automatic home valuation and title costs. If full appraisal needed, member pays. East Idaho Credit Union is an Equal Opportunity Lender.
*If required, members pays cost of full appraisal. Annul percentage rate can change semi-annually on the first day of April and October. **Floor rate on Wall Street Prime Max rate of 18.00%. ***LTV = Lifetime Value. $5,000 minimum, $250,000 maximum line of credit. A $5 Membership fee will be charged on all New Membership Accounts. Early payoff (less than 3 years) requires $300 finance charge. Annual percentage rate may vary after account opening based on prime floor rates, with a maximum of 18% APR. Adequate Property insurance must be maintained. Appraisal fees may be passed on to the borrower. All loans are OAC. East Idaho Credit Union is Federally Insured by the NCUA.
Signature Credit Card Rates
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| Rate |
|---|
| 6.25% 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, loan term, and collateral (if any). 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. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of April 1st, 2020.
VEHICLE LOAN RATES
LOAN CALCULATORS
Use our Loan calculators to determine your monthly payments. It helps to determine how much interest you will be paying as well as how much you can afford. Using a Loan Calculator is always a great idea. If you need help, our employees will be happy to go over everything with you.
