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 3.10% 48
2016 or newer – 5 year 3.20% 60
2016 or newer – 6 year 3.40% 72
2008-2015 – 4 year 3.20% 48
2008-2015 – 5 year 3.30% 60
2008-2015 – 6 year 3.50% 72
2007 and older – 3 year 4.45% 36
2007 and older – 4 year 4.55% 48
2007 and older – 5 year 4.65% 60

Consumer Rates

Rate (Percent) Term (months)
RV 3.95% 48
RV 4.05% 60
RV 4.25% 72
RV 4.75% 84
RV 4.95% 96
RV 5.15% 108
Piano 4.50% 36
Boat 4.50% 36
Street Bike 4.50% 36
Snow Machine 5.05% 36
ATV 5.05% 36
Offroad Cycles 5.05% 36
Unsecured 9.40% 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 2.99% 60
7 year 3.25% 84
10 year 3.55% 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 3.50% 120, 180, 360
5/5 ARM 3.60% 120, 180, 360
7/1 ARM 3.95% 120, 180, 360
10/1 ARM 4.25% 120, 180, 360
HELOC (Variable Rate)* 3.75% 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 3.00%
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 1.50% 1.50% 1.60% 1.60% 1.70%
18 Month 1.00% 1.00% 1.10% 1.10% 1.20%
24 Month 1.20% 1.20% 1.30% 1.30% 1.40%
24 Month Floater Special 1.00% 1.00% 1.10% 1.10% 1.20%
36 Month 1.80% 1.80% 1.90% 1.90% 2.00%
48 Month 1.80% 1.80% 1.90% 1.90% 2.00%
60 Month 2.10% 2.10% 2.20% 2.20% 2.30%
30 Month Special** 1.80% 1.80% 1.90% 1.90% 2.00%

*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%