Deposit Rates
Velocity Checking Rates*
With qualifying loan or Certificate
| Average Daily Balance Tiers | APY* |
|---|---|
| First $10,000 ($0.00-$10,000.00) | 2.02% |
| Everything over $10,000 | 0.50% |
Rates effective as of 10/1/2022
Without qualifying loan or Certificate
| Average Daily Balance Tiers | APY* |
|---|---|
| First $10,000 ($0.00-$10,000.00) | 2.02% |
| Everything over $10,000 | 0.20% |
Rates effective as of 10/1/2022
Here’s an example of how much you could earn with a total average balance of $75,000 and you meet the basic criteria & have a qualifying loan or Certificate:
| Tiered Balance | APY* | Annual Interest | ||
|---|---|---|---|---|
| $10,000 | @ | 2.02% | = | $202 |
| $65,000 | @ | 0.50% | = | $325 |
| Total Earned $527 |
*Earn 2.02% APY1 on your average2 balance up to $10,000 when you: Enroll in Online Banking and e-statements, have ACH deposits of at least $2,000.003 per month, and have at least 11 posted4 debit and/or credit card transactions per month. Additionally, earn 0.50% APY on average balances greater than $10,000 when you have a qualifying loan or Certificate5 or 0.20% APY on balances greater than $10,000 when you do not have a qualifying loan or Certificate. If you don’t meet the qualification requirements you will earn 0.05% APY on your average balance.
1 APY = Annual Percentage Yield. Your interest rate and annual percentage yield are subject to change at our discretion and pursuant to applicable law. All applicants must meet East Idaho Credit Union membership and account opening requirements.
2 Interest earned based on average daily balance.
3 ACH deposits must be in the same account.
4 Posted transactions cleared by the end of the account statement cycle. Debit card transactions will only count if made from the Velocity Checking share.
5 The term “qualifying loan” is defined as an open loan with a month-end balance, but excluding Personal Lines of Credit. The term “Certificate” is defined as a Certificate of Deposit.
Special CD Rates
For a limited time, take advantage of the following special rates when you open a new CD in branch:
| Term | Rate | APY* |
|---|---|---|
| 11 Months Bump-up / Add-on |
4.55% | 4.65% |
| 15 Months Bump-up / Add-on |
4.25% | 4.33% |
| 23 Months Bump-up / Add-on |
3.28% | 3.33% |
| 33 Months | 2.77% | 2.80% |
| 45 Months | 2.77% | 2.80% |
Bump-up option is only available at the request of the member if the rate exceeds their current certificate interest rate, up to .50 basis points, and will only effect rate of dividends that have not been paid out.
Members may only add additional funds up to 2 times.
Standard CD Rates
| Term | Rate | APY* |
|---|---|---|
| 6 Months | 1.00% | 1.00% |
| 1 Year | 1.25% | 1.26% |
| 2 Years | 1.75% | 1.76% |
| 3 Years | 2.25% | 2.27% |
| 4 Years | 2.10% | 2.12% |
| 5 Years | 2.00% | 2.02% |
*APY = Annual Percentage Yield. Effective as of 4/17/2023. East Idaho Credit Union reserves the right to end, alter, or otherwise adjust this promotional offer at any time and at its discretion. View Rate & Fee Schedule.
Velocity Money Market Rates*
| Average Daily Balance Tiers | APY* |
|---|---|
| First $50,000 ($0-$50,000) | 0.20% |
| Next $25,000 ($50,000-$75,000) | 0.50% |
| Next $25,000 ($75,000-$100,000) | 1.00% |
| Next $50,000 ($100,000-$150,000) | 1.51% |
| Everything over $150,000 | 2.02% |
Rates effective as of 10/1/2022
Here’s an example of how much you could earn with a total balance of $185,000:
| Tiered Balance | APY* | Annual Interest | ||
|---|---|---|---|---|
| $50,000 | @ | 0.20% | = | $100 |
| $25,000 | @ | 0.50% | = | $125 |
| $25,000 | @ | 1.00% | = | $250 |
| $50,000 | @ | 1.51% | = | $755 |
| $35,000 | @ | 2.02% | = | $707 |
| Total Earned $1,937 |
*Tier 1- Your daily balance in tier 1 ($0.00 up to $49,999.99) will earn an interest rate of 0.20% and an APY of 0.20%. Tier 2- Your daily balance in tier 2 ($50,000.00 up to $74,999.99) will earn an interest rate of 0.50% with a 0.50% APY. Tier 3- Your daily balance in tier 3 ($75,000.00 up to $99,999.99) will earn an interest rate of 1.00% with a 1.00% APY. Tier 4- Your daily balance in tier 4 ($100,000.00 up to $149,999.99) will earn an interest rate of 1.50% with a 1.51% APY. Tier 5- Your daily balance in tier 5 ($150,000.00 or more) will earn an interest rate of 2.00% with a 2.02% APY. Your interest rate and annual percentage yield are subject to change. At our discretion, we may change the interest rate on your account. All applicants must meet East Idaho Credit Union account opening requirements. Some restrictions may apply.
Money Market Rates
| Balance | APY* | Rate |
|---|---|---|
| $0–$2,500 | 0.05% | 0.05% |
| $2,500–$20,000 | 0.10% | 0.10% |
| $20,000–$75,000 | 0.15% | 0.15% |
| $75,000+ | 0.20% | 0.20% |
Rates effective as of January 6th, 2022
Classic Savings Rates
| APY* | Interest Rate |
|---|---|
| 0.05% | 0.05% |
Rates effective as of January 6th, 2022
IRA Rates
| APY* | Interest Rate |
|---|---|
| 0.05% | 0.05% |
Rates effective as of January 6th, 2022
Pickle Jar Rates
| APY* | Interest Rate |
|---|---|
| 0.10% | 0.10% |
Rates effective as of January 6th, 2022
Loan Rates
Mortgage Rates
Contact Us for Rates
Call us directly at: 208-535-2833
Send a text message to: 208-516-2317
Monday – Friday: 7:30am – 8:00pm
Saturday: 9:00am – 5:00pm
HELOC Rates
| Term | APR* |
|---|---|
| Up to 25 Years | As low as Prime minus 0.20% |
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 creditworthiness. 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.
Auto Rates
| Year | APR* |
|---|---|
| 2018 & Newer | 8.34% to 17.09% |
| 2017 – 2012 | 10.07% to 17.99% |
| 2011 & Older | 11.77% to 17.99% |
Rates effective as of 4/1/2023
RV Rates
| Year | APR* |
|---|---|
| 2019 & Newer | 9.84% to 17.99% |
| 2018 – 2014 | 10.24% to 17.99% |
| 2013 & Older | 11.74% to 15.39% |
Rates effective as of 4/1/2023
Powersports Rates
| Year | APR* |
|---|---|
| 2019 & Newer | 8.54% to 18.00% |
| 2018 – 2016 | 9.94% to 18.00% |
| 2015 – 2011 | 10.94% to 18.00% |
| 2010 & Older | 13.24% to 18.00% |
Rates effective as of 6/1/2023
Motorcycle Rates
| Year | APR* |
|---|---|
| Any | 6.34% to 17.99% |
Rates effective as of 1/1/2023
Marine Rates
| Year | APR* |
|---|---|
| 2019 & Newer | 9.84% to 17.99% |
| 2018 – 2014 | 10.24% to 17.99% |
| 2013 & Older | 11.74% to 15.39% |
Rates effective as of 4/1/2023
VISA® Classic Rates
| APR* |
|---|
| 9.75% to 18.00% |
Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of 1/1/2023
VISA® Signature Rates
| APR* |
|---|
| 13.75% to 18.00% |
Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of 1/1/2023
Signature Loan Rates
| Term | APR* |
|---|---|
| Up to 60 Months | 10.79% to 17.99% |
Rates effective as of 10/1/2022
Line of Credit Rates
| APR* |
|---|
| 11.25% to 18.00% |
Rates effective as of 10/1/2022
Share Secured Rates
| Term | APR* |
|---|---|
| Up to 60 Months | 2.00% over CD rate |
Rates effective as of August 1st, 2021
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.
Features/Benefits
| Feature | Benefit |
|---|---|
| Eligibility | Primary Residence Applicant must be employed or be receiving qualifying fixed income at the time the loan is funded Must be located in Idaho Must be current on primary mortgage Manufactured Homes are eligible only if on a foundation |
| Terms | Up to 84 Months (7 years) Payments will be principal and interest payments Credit Score required to determine qualified interest rate Fixed Interest Rates |
| Loan to Value | Maximum loan amount and term will be determined by gross household income |
| Loan Amounts | Minimum of $500 Maximum of $32,000 |
| Fees | No Origination Fee No Annual Fee |
| Credit Advances | All funds are advanced up front and paid directly to the contractor (in most cases) |
| Uses | Energy Efficient Home Improvements including but not limited to; Energy Efficient Windows and Doors Insulation replacement or augmentation Weather stripping and other energy efficient materials Energy efficient water heaters, heat pumps/furnaces Pellet and wood stove additions or replacements Roof replacements |
Business Deposit Rates
Special Business CD Rates
For a limited time, take advantage of the following special rates when you open a new CD in branch:
| Term | Rate | APY* |
|---|---|---|
| 11 Months Bump-up / Add-on |
4.55% | 4.65% |
| 15 Months Bump-up / Add-on |
4.25% | 4.33% |
| 23 Months Bump-up / Add-on |
3.28% | 3.33% |
| 33 Months | 2.77% | 2.80% |
| 45 Months | 2.77% | 2.80% |
Bump-up option is only available at the request of the member if the rate exceeds their current certificate interest rate, up to .50 basis points, and will only effect rate of dividends that have not been paid out. Members may only add additional funds up to 2 times.
Standard Business CD Rates
| Term | Rate | APY* |
|---|---|---|
| 6 Months | 1.00% | 1.00% |
| 1 Year | 1.25% | 1.26% |
| 2 Years | 1.75% | 1.76% |
| 3 Years | 2.25% | 2.27% |
| 4 Years | 2.10% | 2.12% |
| 5 Years | 2.00% | 2.02% |
*APY = Annual Percentage Yield. Effective as of 4/17/2023. East Idaho Credit Union reserves the right to end, alter, or otherwise adjust this promotional offer at any time and at its discretion. View Rate & Fee Schedule.
Business Velocity Money Market Rates*
| Balance Tiers | APY* |
|---|---|
| First $50,000 ($0-$50,000) | 0.20% |
| Next $25,000 ($50,000-$75,000) | 0.50% |
| Next $25,000 ($75,000-$100,000) | 1.00% |
| Next $50,000 ($100,000-$150,000) | 1.51% |
| Everything over $150,000 | 2.02% |
Rates effective as of 10/1/2022
Here’s an example of how much you could earn with a total balance of $185,000:
| Tiered Balance | APY* | Annual Interest | ||
|---|---|---|---|---|
| $50,000 | @ | 0.20% | = | $100 |
| $25,000 | @ | 0.50% | = | $125 |
| $25,000 | @ | 1.00% | = | $250 |
| $50,000 | @ | 1.51% | = | $756 |
| $35,000 | @ | 2.02% | = | $707 |
| Total Earned $1,937 |
Tier 1- Your daily balance in tier 1 ($0.00 up to $49,999.99) will earn an interest rate of 0.20% and an APY of 0.20%. Tier 2- Your daily balance in tier 2 ($50,000.00 up to $74,999.99) will earn an interest rate of 0.50% with a 0.50% APY. Tier 3- Your daily balance in tier 3 ($75,000.00 up to $99,999.99) will earn an interest rate of 1.00% with a 1.00% APY. Tier 4- Your daily balance in tier 4 ($100,000.00 up to $149,999.99) will earn an interest rate of 1.50% with a 1.51% APY. Tier 5- Your daily balance in tier 5 ($150,000.00 or more) will earn an interest rate of 2.00% with a 2.02% APY. Your interest rate and annual percentage yield are subject to change. At our discretion, we may change the interest rate on your account. All applicants must meet East Idaho Credit Union account opening requirements. Some restrictions may apply.
Business Money Market Rates
| Balance | APY* | Interest Rate |
|---|---|---|
| $0.00 – $9,999.99 | 0.05% | 0.05% |
| $10,000 – $24,999.99 | 0.10% | 0.10% |
| $25,000 – $49,999.99 | 0.15% | 0.15% |
| $50,000 – $99,999.99 | 0.20% | 0.20% |
| $100,000 and Up | 0.25% | 0.25% |
Rates effective as of June 28th, 2021
Business Savings Rates
| APY* | Interest Rate |
|---|---|
| 0.05% | 0.05% |
Rates effective as of June 28th, 2021
Business Checking Plus Rates
| Balance | APY* | Interest Rate |
|---|---|---|
| $0.00 – $9,999.99 | 0.00% | 0.00% |
| $10,000 – $99,999.99 | 0.10% | 0.10% |
| $100,000 and Up | 0.25% | 0.25% |
Rates effective as of June 28th, 2021
Business Loan Rates
Business Auto Rates
| APR* |
|---|
| 9.54% to 14.54% |
If collateral is 8+ years old, add an additional 0.50% qualifying rate
*APR=Annual Percentage Rate.
Rates effective as of APril 1st, 2023
Business Equipment Rates
| APR* |
|---|
| 9.74% to 17.24% |
If collateral is 8+ years old, add an additional 0.50% qualifying rate
*APR=Annual Percentage Rate.
Rates effective as of April 1st, 2023
Business Term Rates
| APR* |
|---|
| 12.99% to 17.99% |
*APR=Annual Percentage Rate.
Rates effective as of January 1st, 2023
Business Line of Credit Rates
| Secured APR* |
|---|
| 13.75% to 16.75% |
| Unsecured APR* |
|---|
| 14.75% to 18.00% |
Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of January 1st, 2023
Business VISA® Rates
| APR* |
|---|
| 15.75% to 18.00% |
Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of April 1st, 2023
