APY = Annual Percentage Yield.

APR = Annual Percentage Rate.

Rates effective as of May 15, 2020. All savings rates subject to change.


Savings Rates

Account Minimum Balance Rate APY Dividend Term
Regular Share Savings $5.00 0.075% 0.075% Quarterly
Kids Savings $5.00 0.075% 0.075% Quarterly
Idaho Medical Savings $50.00 0.075% 0.075% Quarterly
Share Draft Account $00.00 0.00% 0.00% Monthly
Holiday Club $5.00 3.00% 3.00% Annually
Vacation Club $5.00 1.750% 1.750% Annually

Share Certificates Learn More

Term Minimum Balance Rate APY Dividend Term
6 Months $250.00 0.30% 0.300% Monthly
1 Year $250.00 0.50% 0.501% Monthly
2 Years $250.00 0.60% 0.602% Monthly

Penalty for early withdrawal.

Auto Loans Learn More

APR as low as Year / Mileage
3.49% 2011 - 2020 (less than 150,000)
5.49% OLDER OR OVER 150,000

Recreational Vehicle Loans Learn More

APR as low as Year / Mileage
4.49% 2001-2020

Personal Loans Learn More

APR as low as Max Term
7.00% 60 Months

Loan Rates

Product APR
Classic MasterCard 13.50%
Platinum MasterCard 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 Fixed / Variable Max Term
Home Equity Line of Credit (80% LTV1) 4.00% Variable 20 Years (5 year draw + up to 15 year Re-Payment)
Home Equity Line of Credit (100% LTV1) 5.00% 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. This Credit Union is Federally Insured by the Nation Credit Union Administration.