Deposit Rates

Certificates (CDs) Rates
Money Market Rates
Savings Account Rates
IRA (Retirement) Rates
Pickle Jar Savings Rates

Special CD Rates

For a limited time, take advantage of the following special rates when you open a new CD in branch:

Term APY* Interest Rate
13 Months 2.02% 2.00%
26 Months 2.25% 2.23%
33 Months 2.35% 2.33%
45 Months 2.47% 2.45%

*APY = Annual Percentage Yield. Effective as of 6/15/2022. East Idaho Credit Union reserves the right to end, alter, or otherwise adjust this promotional offer at any time and at their discretion. View Rate & Fee Schedule.

Standard CD Rates

Term APY* Interest Rate
6 Months 0.55% 0.55%
1 Year 0.60% 0.60%
2 Years 1.00% 1.00%
3 Years 1.25% 1.25%
4 Years 1.50% 1.50%
5 Years 1.65% 1.65%

*APY = Annual Percentage Yield
Rates effective as of 8/1/22

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Business Velocity Money Market Rates*

Balance Tiers Tier Rate
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) 1.50%
Everything over $150,000 2.00%

Rates effective as of 7/8/2022

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Here’s an example of how much you could earn with a total balance of $185,000:

Tiered Balance Tier Rate Annual Interest
$50,000 @ 0.20% = $100
$25,000 @ 0.50% = $125
$25,000 @ 1.00% = $250
$50,000 @ 1.50% = $750
$35,000 @ 2.00% = $700
Total Earned
$1,925
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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

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Classic Savings Rates

APY* Interest Rate
0.05% 0.05%

Rates effective as of January 6th, 2022

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IRA Rates

APY* Interest Rate
0.05% 0.05%

Rates effective as of January 6th, 2022

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Pickle Jar Rates

APY* Interest Rate
0.10% 0.10%

Rates effective as of January 6th, 2022

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Loan Rates

Mortgage Rates
Home Equity Rates
Auto & RV Rates
VISA Credit Card Rates
Personal 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

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HELOC Rates

Term APR*
Up to 25 Years As low as 3.80%

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 Rates

Year APR*
2017 & Newer 5.19% to 12.94%
2016 – 2011 6.17% to 13.94%
2010 & Older 7.37% to 13.19%

Rates effective as of July 15th, 2022

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RV Rates

Year APR*
2018 & Newer 5.94% to 16.99%
2017 – 2013 7.59% to 15.99%
2012 & Older 7.84% to 11.49%

Rates effective as of July 15th, 2022

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Powersports Rates

Year APR*
2018 & Newer 5.79% to 15.14%
2017 – 2015 6.54% to 15.89%
2014 – 2010 6.89% to 16.24%
2009 & Older 8.29% to 15.39%

Rates effective as of June 1st, 2022

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Motorcycle Rates

Year APR*
Any 4.59% to 16.24%

Rates effective as of June 1st, 2022

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Marine Rates

Year APR*
2018 & Newer 5.94% to 16.99%
2017 – 2013 7.59% to 15.99%
2012 & Older 7.84% to 11.49%

Rates effective as of July 15th, 2022

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VISA® Classic Rates

APR*
6.00% to 14.25%

Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of August 1st, 2021

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VISA® Signature Rates

APR*
10.00% to 16.25%

Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of August 1st, 2021

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Signature Loan Rates

Term APR*
Up to 60 Months 8.79% to 17.99%

Rates effective as of August 1st, 2021

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Line of Credit Rates

APR*
9.25% to 18.00%

Rates effective as of August 1st, 2021

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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 5.3% 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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Business Rates

Business Certificates (CDs) Rates
Business Money Market Rates
Business Savings Rates
Business Checking Plus 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 APY* Interest Rate
13 Months 2.02% 2.00%
26 Months 2.25% 2.23%
33 Months 2.35% 2.33%
45 Months 2.47% 2.45%

*APY = Annual Percentage Yield. Effective as of 6/15/2022. East Idaho Credit Union reserves the right to end, alter, or otherwise adjust this promotional offer at any time and at their discretion. View Rate & Fee Schedule.

Standard Business CD Rates

Term APY* Interest Rate
6 Months 0.55% 0.55%
1 Year 0.60% 0.60%
2 Years 1.00% 1.00%
3 Years 1.25% 1.25%
4 Years 1.50% 1.50%
5 Years 1.65% 1.65%

*APY = Annual Percentage Yield
Rates effective as of July 8th, 2022

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Business Velocity Money Market Rates*

Balance Tiers Tier Rate
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) 1.50%
Everything over $150,000 2.00%

Rates effective as of 7/8/2022

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Here’s an example of how much you could earn with a total balance of $185,000:

Tiered Balance Tier Rate Annual Interest
$50,000 @ 0.20% = $100
$25,000 @ 0.50% = $125
$25,000 @ 1.00% = $250
$50,000 @ 1.50% = $750
$35,000 @ 2.00% = $700
Total Earned
$1,925
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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

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Business Savings Rates

APY* Interest Rate
0.05% 0.05%

Rates effective as of June 28th, 2021

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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

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