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 | 2.60% | 48 |
| 2016 or newer – 5 year | 2.70% | 60 |
| 2016 or newer – 6 year | 2.90% | 72 |
| 2008-2015 – 4 year | 2.70% | 48 |
| 2008-2015 – 5 year | 2.80% | 60 |
| 2008-2015 – 6 year | 3.00% | 72 |
| 2007 and older – 3 year | 4.35% | 36 |
| 2007 and older – 4 year | 4.45% | 48 |
| 2007 and older – 5 year | 4.55% | 60 |
Consumer Rates |
Rate (Percent) | Term (months) |
|---|---|---|
| RV | 3.85% | 48 |
| RV | 3.95% | 60 |
| RV | 4.15% | 72 |
| RV | 4.65% | 84 |
| RV | 4.85% | 96 |
| RV | 5.05% | 108 |
| Piano | 4.40% | 36 |
| Boat | 4.40% | 36 |
| Street Bike | 4.40% | 36 |
| Snow Machine | 4.95% | 36 |
| ATV | 4.95% | 36 |
| Offroad Cycles | 4.95% | 36 |
| Unsecured | 8.90% | 48 |
| Share Secured | 2.00% | |
| Overdraft Line of Credit | 17.50% | |
| Visa Platinum Card Purchases | 8.90% | |
| Visa Platinum Cash Advance | 9.90% |
*Plus regular savings or CD deposit rates.
Mortgages |
Rate (Percent) | Term (months) |
|---|---|---|
| 5 year | 2.95% | 60 |
| 7 year | 3.15% | 84 |
| 10 year | 3.35% | 120 |
| 15 year | 4.15% | 180 |
| 15 year (First Mortage) | View Rates | 180 |
| 30 year (First Mortage) | View Rates | 360 |
| 5 year (Second Mortgage) | 3.45% | 60 |
| 7 year (Second Mortgage) | 3.65% | 84 |
| 10 year (Second Mortgage) | 3.85% | 120 |
| 15 year (Second Mortgage) | 4.65% | 180 |
| 1/1 ARM (Adjustable Rate Mortgage) | 2.90% | 120, 180, 360 |
| 3/1 ARM | 3.05% | 120, 180, 360 |
| 5/5 ARM | 3.10% | 120, 180, 360 |
| 7/1 ARM | 3.55% | 120, 180, 360 |
| 10/1 ARM | 4.05% | 120, 180, 360 |
| HELOC (Variable Rate)* | 3.50% | 12, 24, 36, 48, 60, 72, 84, 96, 108, 120 |
| Construction (One-Year) | 4.25% | |
| Residential Building Lot (5 year ARM) | 4.10% | |
| Residential Building Lot (15 year – Fixed Rate) | 5.15% | |
| Fixed Rate | 5.50% |
Savings Accounts |
Rate (Percent) | Term (months) |
|---|---|---|
| Pocket Change Account | 3.00% | |
| 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% | 0.22% | 0.24% | 0.26% | 0.28% |
| 6 Month | 0.40% | 0.42% | 0.44% | 0.46% | 0.48% |
| 12 Month | 0.70% | 0.72% | 0.74% | 0.76% | 0.78% |
| 18 Month | 0.80% | 0.82% | 0.84% | 0.86% | 0.88% |
| 24 Month | 1.00% | 1.02% | 1.04% | 1.06% | 1.08% |
| 24 Month Floater Special | 0.80% | 0.82% | 0.84% | 0.86% | 0.88% |
| 36 Month | 1.20% | 1.22% | 1.24% | 1.26% | 1.28% |
| 48 Month | 1.60% | 1.62% | 1.64% | 1.66% | 1.68% |
| 60 Month | 1.90% | 1.92% | 1.94% | 1.96% | 1.98% |
| 30 Month Special** | 1.80% | 1.80% | 1.80% | 1.80% | 1.80% |
*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% |