| Vehicle Loans | Rate (Percent) | Term (months) |
|---|---|---|
| Auto (2021 or newer) | 6.50% | 48 |
| Auto (2021 or newer) | 6.60% | 60 |
| Auto (2013-2020) | 6.60% | 48 |
| Auto (2013-2020) | 6.70% | 60 |
| Auto (2021 or newer) | 6.80% | 72 |
| Auto (2013-2020) | 6.90% | 72 |
| Auto (2012 and older) | 7.85% | 36 |
| Auto (2012 and older) | 7.95% | 48 |
| Auto (2012 and older) | 8.05% | 60 |
| Consumer | Rate (Percent) | Term (months) |
|---|---|---|
| ATV | 8.10% | 36 |
| Credit Card Cash Advance | 9.90% | |
| Credit Card Purchase | 8.90% | |
| Offroad Cycles | 8.10% | 36 |
| Overdraft Line of Credit | 17.50% | |
| Piano | 7.55% | 36 |
| RV and Boat | 7.10% | 48 |
| RV and Boat | 7.20% | 60 |
| RV and Boat | 7.40% | 72 |
| RV and Boat | 7.90% | 84 |
| RV and Boat | 8.10% | 96 |
| RV and Boat | 8.30% | 108 |
| RV and Boat | 8.50% | 120 |
| RV and Boat | 8.75% | 132 |
| RV and Boat | 9.00% | 144 |
| Share Secured | 2.00% | |
| Snow Machine | 8.10% | 36 |
| Street Bike | 7.55% | 36 |
| Unsecured | 11.55% | 12 |
| Conventional Rates | Rate (Percent) |
|---|---|
| 30 year (First Mortgage) | 6.500% |
| 15 year (First Mortgage) | 5.875% |
| Government Loan Rates | |
| USDA Rural Development 30-year | 6.000% |
| Short-Term Morgage Rates | |
| 5 year | 5.875% |
| 7 year | 5.990% |
| 10 year | 5.990% |
| 15 year | 6.125% |
| ARM Rates (Adjustable Rate Mortgage) | |
| 5/5 ARM | 6.125% |
| 7/1 ARM | 6.375% |
| 10/1 ARM | 6.625% |
| 15/1 ARM | 6.625% (Termed over 20 years) |
| Home Equity Mortgage Rates | |
| 5 year (Second Mortgage) | 6.375% |
| 7 year (Second Mortgage) | 6.490% |
| 10 year (Second Mortgage) | 6.490% |
| 15 year (Second Mortgage) | 6.625% |
| Home Equity Line of Credit (HELOC) | 7.750% (Variable Rate) |
| Construction and Lot Loan Rates | |
| Residential Construction | 6.990% |
| Residential Building Lot (15 year - Fixed Rate) | 7.625% |
| Savings Account | Rate (Percent) | |
|---|---|---|
| Bridal Registry | ||
| Escrow Savings | 0.05% | |
| Unlimited Transaction Savings | 0.05% | |
| Dedicated Savings | 0.10% | |
| Regular Savings | 0.10% | |
| Youth Savings | 0.10% | |
| Coverdell Education Savings Account (CESA) | 0.20% | |
| Idaho Medical Savings | 0.20% | |
| IRA Savings | 0.20% | |
| Missionary Savings Account | 3.00% | |
| Pocket Change Account | 3.00% |
| $500-24,999 | $25,000-49,999 | $50,000-74,999 | $75,000-99,999 | $100,000+ | |
|---|---|---|---|---|---|
| 3 Month | 2.00% | 2.00% | 2.05% | 2.05% | 2.10% |
| 5 Month Special* | 5.00% | 5.00% | 5.00% | 5.00% | 5.00% |
| 6 Month | 4.00% | 4.00% | 4.05% | 4.05% | 4.10% |
| 12 Month | 4.55% | 4.55% | 4.60% | 4.60% | 4.65% |
| 15 Month Special** | 4.75% | 4.75% | 4.80% | 4.80% | 4.85% |
| 18 Month | 4.70% | 4.70% | 4.75% | 4.75% | 4.80% |
| 22 Month Special*** | 4.50% | 4.50% | 4.55% | 4.55% | 4.60% |
| 24 Month | 4.25% | 4.25% | 4.30% | 4.30% | 4.35% |
| 36 Month | 3.50% | 3.50% | 3.55% | 3.55% | 3.60% |
| 48 Month | 3.50% | 3.50% | 3.55% | 3.55% | 3.60% |
| 60 Month | 3.75% | 3.75% | 3.80% | 3.80% | 3.85% |
*Special requires direct payroll deposit, checking account, and active debit card. Call 208-656-1000 for details.
*5 Month Special is for new money and rollovers. No broker funds.
**15 Month Special is a one-time bump certificate and is for new money and rollovers. No broker funds.
***22 Month Special is a one-time bump certificate and for new money and rollovers. No broker funds.
| Deposit Amount | Rate (Percent) | Term (months) | |
|---|---|---|---|
| $0-2,499 | 0.10% | ||
| $2,500-4,999 | 0.20% | ||
| $5,000-24,999 | 0.50% | ||
| $25,000-49,999 | 1.00% | ||
| $50,000 - $99,999 | 1.50% | ||
| $100,000+ | 2.00% |