APY = Annual Percentage Yield.
APR = Annual Percentage Rate.
Rates effective as of April 4, 2025. All savings rates subject to change.
Savings Rates
| Account | Minimum Balance | Rate | APY | Dividend Term |
|---|---|---|---|---|
| Regular Share Savings | $5.00 | 0.25% | 0.25% | Quarterly |
| Kids Savings | $5.00 | 0.25% | 0.25% | Quarterly |
| Idaho Medical Savings | $5.00 | 0.20% | 0.20% | Quarterly |
| Share Draft Account | $0.00 | 0.00% | 0.00% | Monthly |
| Holiday Club | $5.00 | 4.50% | 4.50% | Annually |
| Vacation Club | $5.00 | 5.00% | 5.00% | Annually |
| Youth Club | $5.00 | 5.00% | 5.00% | Annually |
Share Certificates Learn More
| Term | Minimum Balance | Rate | APY | Dividend Term |
|---|---|---|---|---|
| 6 Months | $250.00 | 3.45% | 3.51% | Monthly |
| 1 Year | $250.00 | 3.93% | 4.00% | Monthly |
| 1 Year | $100,000.00 | 4.07% | 4.15% | Monthly |
| 2 Years | $250.00 | 3.45% | 3.51% | Monthly |
Penalty for early withdrawal.
Auto Loans Learn More
| APR as low as | Year / Mileage |
|---|---|
| 5.74% | 2016 - 2025 / with less than 150,000 miles |
| 7.74% | 2015 and older OR over 150,000 miles |
Recreational Vehicle Loans Learn More
| APR as low as | Year / Mileage |
|---|---|
| 8.24% | Not to exceed 25 yrs old at end of term |
Personal Loans Learn More
| APR as low as | Max Term |
|---|---|
| 10.00% | 60 Months |
Loan Rates
| Product | APR |
|---|---|
| Classic Visa | 13.50% |
| Platinum Visa | 9.90% |
| Overdraft Line of Credit | 18.00% |
| Share Secured | Share Rate +3.00% |
| CD Secured | CD Rate +2.00% |
Home Equity Learn More
| Product | APR as low as | Fixed / Variable | Max Term |
|---|---|---|---|
| Home Equity Line of Credit (80% LTV1) | 7.75% | Variable | 20 Years (5 year draw + up to 15 year Re-Payment) |
| Home Equity Line of Credit (100% LTV1) | 8.75% | Variable | 20 Years (5 year draw + up to 15 year Re-Payment) |
1LTV = Loan to Value.
The rates listed are our best rates. The rate you receive will be based on certain creditworthiness factors and approximate repayment and may be higher than the rate shown above. Rates are subject to change without notices. Other conditions may apply.
All loans are subject to credit approval. Equal Opportunity Lender. Federally Insured by NCUA.