Rates
Updated daily. All loan rates are in Annual Percentage Rate, and all deposit rates are in Annual Percentage Yield; OAC.
Vehicle Loans |
Rate (Percent) | Term (months) |
|---|---|---|
| 2016 or newer – 4 year | 3.50% | 48 |
| 2016 or newer – 5 year | 3.60% | 60 |
| 2016 or newer – 6 year | 3.80% | 72 |
| 2008-2015 – 4 year | 3.60% | 48 |
| 2008-2015 – 5 year | 3.70% | 60 |
| 2008-2015 – 6 year | 3.90% | 72 |
| 2007 and older – 3 year | 4.85% | 36 |
| 2007 and older – 4 year | 4.95% | 48 |
| 2007 and older – 5 year | 5.05% | 60 |
Consumer Rates |
Rate (Percent) | Term (months) |
|---|---|---|
| RV | 4.15% | 48 |
| RV | 4.25% | 60 |
| RV | 4.45% | 72 |
| RV | 4.95% | 84 |
| RV | 5.15% | 96 |
| RV | 5.35% | 108 |
| Piano | 4.70% | 36 |
| Boat | 4.70% | 36 |
| Street Bike | 4.70% | 36 |
| Snow Machine | 5.25% | 36 |
| ATV | 5.25% | 36 |
| Offroad Cycles | 5.25% | 36 |
| Unsecured | 9.60% | 48 |
| Share Secured | 2.20% | |
| Overdraft Line of Credit | 17.50% | |
| Credit Card Purchase | 8.90% | |
| Credit Card Cash Advance | 9.90% |
*Plus regular savings or CD deposit rates.
Mortgages |
Rate (Percent) | Term (months) |
|---|---|---|
| 5 year | 3.10% | 60 |
| 7 year | 3.35% | 84 |
| 10 year | 3.65% | 120 |
| 15 year | 4.25% | 180 |
| 15 year (First Mortage) | View Rates | 180 |
| 30 year (First Mortage) | View Rates | 360 |
| 5 year (Second Mortgage) | 3.60% | 60 |
| 7 year (Second Mortgage) | 3.85% | 84 |
| 10 year (Second Mortgage) | 4.15% | 120 |
| 15 year (Second Mortgage) | 4.85% | 180 |
| 3/1 ARM | 3.80% | 120, 180, 360 |
| 5/5 ARM | 3.90% | 120, 180, 360 |
| 7/1 ARM | 4.25% | 120, 180, 360 |
| 10/1 ARM | 4.55% | 120, 180, 360 |
| HELOC (Variable Rate)* | 4.25% | 12, 24, 36, 48, 60, 72, 84, 96, 108, 120 |
| Construction (One-Year) | 4.25% | |
| Residential Building Lot (15 year – Fixed Rate) | 5.15% | |
| Fixed Rate | 5.50% |
Savings Accounts |
Rate (Percent) | Term (months) |
|---|---|---|
| Pocket Change Account | 3.10% | |
| Regular Savings | 0.15% | |
| Dedicated Savings | 0.20% | |
| Unlimited Transaction Savings | 0.05% | |
| Idaho Medical Savings | 0.20% | |
| Bridal Registry | ||
| Escrow Savings | 0.05% | |
| Missionary Savings Account | 3.00% | |
| IRA Savings | 0.20% | |
| Coverdell Education Savings Account (CESA) | 0.20% |
CDs
| $500-24,999 | $25,000-49,999 | $50,000-74,999 | $75,000-99,999 | $100,000+ | |
|---|---|---|---|---|---|
| 3 Month | 0.20% | 0.20% | 0.30% | 0.30% | 0.40% |
| 6 Month | 1.25% | 1.25% | 1.35% | 1.35% | 1.45% |
| 12 Month | 1.75% | 1.75% | 1.85% | 1.85% | 1.95% |
| 18 Month | 1.80% | 1.80% | 1.90% | 1.90% | 2.00% |
| 24 Month | 1.85% | 1.85% | 1.95% | 1.95% | 2.05% |
| 36 Month | 2.00% | 2.00% | 2.10% | 2.10% | 2.20% |
| 48 Month | 2.10% | 2.10% | 2.20% | 2.20% | 2.30% |
| 60 Month | 2.40% | 2.40% | 2.50% | 2.50% | 2.60% |
| 30 Month Special** | 2.20% | 2.20% | 2.30% | 2.30% | 2.40% |
| 30 Month | 1.90% | 1.90% | 2.00% | 2.00% | 2.10% |
*These rates also apply to the Term Certificates for IRA’s, SEP Plans, and Coverdell Education Savings Accounts. Minimum balance is $500 for Term Certificates.
**Special requires direct payroll deposit, checking account, and active debit card. Call 208-656-1000 for details.
Money Market Rates
| Amount | Rate |
|---|---|
| $0 – $2,499 | 0.10% |
| $2,500 – 4,999 | 0.10% |
| $5,000 – 24,999 | 0.15% |
| $25,000 – 49,999 | 0.20% |
| $50,000+ | 0.20% |