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 3.85% 48
2016 or newer – 5 year 3.95% 60
2016 or newer – 6 year 4.15% 72
2008-2015 – 4 year 3.95% 48
2008-2015 – 5 year 4.05% 60
2008-2015 – 6 year 4.25% 72
2007 and older – 3 year 5.20% 36
2007 and older – 4 year 5.30% 48
2007 and older – 5 year 5.40% 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 3.80% 60
7 year 4.05% 84
10 year 4.35% 120
15 year 4.75% 180
15 year (First Mortage) View Rates 180
30 year (First Mortage) View Rates 360
5 year (Second Mortgage) 4.30% 60
7 year (Second Mortgage) 4.55% 84
10 year (Second Mortgage) 4.85% 120
15 year (Second Mortgage) 5.25% 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 3.00%
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 1.25% 1.25% 1.35% 1.35% 1.45%
12 Month 2.00% 2.00% 2.10% 2.10% 2.20%
18 Month 2.05% 2.05% 2.15% 2.15% 2.25%
24 Month 2.10% 2.10% 2.20% 2.20% 2.30%
36 Month 2.20% 2.20% 2.30% 2.30% 2.40%
48 Month 2.40% 2.40% 2.50% 2.50% 2.60%
60 Month 2.50% 2.50% 2.60% 2.60% 2.70%
30 Month Special** 2.50% 2.50% 2.60% 2.60% 2.70%

*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%