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LOAN RATES

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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
LARGE RV
SMALL RV
MOTORCYCLE
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

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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

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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

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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

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HOME EQUITY LINE OF CREDIT
ENERGY DEFENSE
SIGNATURE
LINE OF CREDIT
SHARE SECURED
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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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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Term Interest Rate
36 Months
48 Months
60 Months
8.99% to 17.99%
9.49% to 17.99%
9.99% to 17.99%
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Interest Rate
9.25% to 18.00%

Rates effective as of August 1st, 2021

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Term Interest Rate
Up to 60 Months 2.00% Over CD/Share Rate
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VISA® CLASSIC
VISA® SIGNATURE
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

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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

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