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 average⁴ balance up to $10,000 when you: Enroll in Online Banking and e-statements, have ACH deposits of at least $2,000 per month, and have at least 11 posted² debit and/or credit card transactions per month. Additionally, earn 0.50% APY¹ on average balances greater than $10,000 when you have a qualifying loan or Certificate³ or 0.20% APY¹ on balances greater than $10,000 when you do not have a qualifying loan or Certificate³. If you don’t meet the qualification requirements, you will earn 0.05% APY¹ on your average⁴ balance.
¹APY – 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.
²Posted – Transactions that have cleared by the end of the account statement cycle.
³Qualifying loan or Certificate – 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.
⁴Interest earned based on average daily balance.
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* |
|---|---|---|
| 13 Months | 2.89% | 2.93% |
| 17 Months | 3.09% | 3.13% |
| 26 Months | 3.28% | 3.33% |
| 33 Months | 2.77% | 2.80% |
| 45 Months | 2.77% | 2.80% |
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 10/24/2022. 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.
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 5.30% |
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.
Auto Rates
| Year | APR* |
|---|---|
| 2017 & Newer | 6.94% to 15.69% |
| 2016 – 2011 | 7.92% to 16.69% |
| 2010 & Older | 9.12% to 15.94% |
Rates effective as of 10/22/2022
RV Rates
| Year | APR* |
|---|---|
| 2018 & Newer | 7.59% to 17.99% |
| 2017 – 2013 | 9.24% to 17.64% |
| 2012 & Older | 9.49% to 13.14% |
Rates effective as of 10/22/2022
Powersports Rates
| Year | APR* |
|---|---|
| 2018 & Newer | 6.79% to 16.14% |
| 2017 – 2015 | 7.54% to 16.89% |
| 2014 – 2010 | 7.89% to 17.24% |
| 2009 & Older | 9.29% to 16.39% |
Rates effective as of 10/1/2022
Motorcycle Rates
| Year | APR* |
|---|---|
| Any | 5.59% to 17.24% |
Rates effective as of 10/1/2022
Marine Rates
| Year | APR* |
|---|---|
| 2018 & Newer | 7.59% to 17.99% |
| 2017 – 2013 | 9.24% to 17.64% |
| 2012 & Older | 9.49% to 13.14% |
Rates effective as of 10/22/2022
VISA® Classic Rates
| APR* |
|---|
| 6.75% to 15.00% |
Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of August 1st, 2022
VISA® Signature Rates
| APR* |
|---|
| 10.75% to 17.00% |
Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of August 1st, 2022
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.
Business 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 | 2.89% | 2.93% |
| 17 Months | 3.09% | 3.13% |
| 26 Months | 3.28% | 3.33% |
| 33 Months | 2.80% | 2.77% |
| 45 Months | 2.80% | 2.77% |
*APY = Annual Percentage Yield. Effective as of 10/24/2022. 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 | 1.00% | 1.00% |
| 1 Year | 1.26% | 1.25% |
| 2 Years | 1.76% | 1.75% |
| 3 Years | 2.27% | 2.25% |
| 4 Years | 2.12% | 2.10% |
| 5 Years | 2.02% | 2.00% |
*APY = Annual Percentage Yield
Rates effective as of 10/1/2022
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
