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%
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 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

AmountRate
$0 – $2,4990.10%
$2,500 – 4,9990.10%
$5,000 – 24,9990.15%
$25,000 – 49,9990.20%
$50,000+0.20%