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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)
2018 or newer – 4 year 2.85% 48
2018 or newer – 5 year 2.95% 60
2018 or newer – 6 year 3.15% 72
2010-2017 – 4 year 2.95% 48
2010-2017 – 5 year 3.05% 60
2010-2017 – 6 year 3.25% 72
2009 and older – 3 year 4.20% 36
2009 and older – 4 year 4.30% 48
2009 and older – 5 year 4.40% 60
Consumer Rates Rate (Percent) Term (months)
RV 3.50% 48
RV 3.60% 60
RV 3.80% 72
RV 4.30% 84
RV 4.50% 96
RV 4.70% 108
Piano 4.05% 36
Boat 4.05% 36
Street Bike 4.05% 36
Snow Machine 4.60% 36
ATV 4.60% 36
Offroad Cycles 4.60% 36
Share Secured 2.00%*
Overdraft Line of Credit 17.50%
Credit Card Purchase 8.90%
Credit Card Cash Advance 9.90%
Unsecured 9.05% 12

*Plus regular savings or CD deposit rates.

Mortgages Rate (Percent) Term (months)
5 year 3.20% 60
7 year 3.55% 84
5 year (Second Mortgage) 3.70% 60
7 year (Second Mortgage) 4.05% 84
10 year (Second Mortgage) 4.25% 120
15 year (Second Mortgage) 4.50% 180
3/1 ARM 3.05%
5/5 ARM 3.15%
7/1 ARM 3.50%
10/1 ARM 3.80%
HELOC (Variable Rate)* 3.50%
*Home Equity Line of Credit is available to qualifying Beehive members in the following states: Idaho and Wyoming. The minimum line of credit is $10,000. Maximum Loan to value is 90%. Offer subject to credit approval; rates subject to credit qualifications. Rates are subject to change semi-annually. Your rate will never be less than 3.25% APR (Annual Percentage Rate) or exceed 18% APR. FEE REIMBURSEMENT: You agree to maintain your home equity line of credit account with the credit union for 12 months. In exchange, the credit union has paid some or all third party fees to open your account. If you close your account within the first 12 months, you agree to reimburse the credit union all bona fide third party fees paid for you. Adequate property insurance must be maintained. For all tax related questions, consult your tax advisor. Please ask a Beehive Federal Credit Union loan officer for complete details.
Construction (One-Year) 4.75%
Residential Building Lot (15 year – Fixed Rate) 5.75%
15 year (First Mortgage) View Rates 180
30 year (First Mortgage) View Rates 360
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% 0.20% 0.30% 0.30% 0.40%
6 Month 0.50% 0.50% 0.60% 0.60% 0.70%
12 Month 0.85% 0.85% 0.95% 0.95% 1.05%
18 Month 0.85% 0.85% 0.95% 0.95% 1.05%
24 Month 0.95% 0.95% 1.05% 1.05% 1.15%
36 Month 1.15% 1.15% 1.25% 1.25% 1.35%
48 Month 1.25% 1.25% 1.35% 1.35% 1.45%
60 Month 1.35% 1.35% 1.45% 1.45% 1.55%
30 Month Special** 1.15% 1.15% 1.25% 1.25% 1.35%

*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 Rate (Percent) Term (months)
$0-2,499 0.15%
$2,500-4,999 0.17%
$5,000-24,999 0.25%
$25,000-49,999 0.27%
$50,000+ 0.30%