Vehicle LoansRate (Percent)Term (months)
Auto (2022 or newer) 6.190%48
Auto (2022 or newer)6.290%60
Auto (2014-2021)6.29%48
Auto (2014-2021)6.390%60
Auto (2022 or newer)6.490%72
Auto (2014-2021)6.59%72
Auto (2013 and older)7.54%36
Auto (2013 and older)7.64%48
Auto (2013 and older)7.74%60
ConsumerRate (Percent)Term (months)
ATV8.10%36
Credit Card Cash Advance9.90%
Credit Card Purchase8.900%
Offroad Cycles8.10%36
Overdraft Line of Credit17.50%
Piano7.55%36
RV and Boat7.100%48
RV and Boat7.20%60
RV and Boat7.40%72
RV and Boat7.90%84
RV and Boat8.10%96
RV and Boat8.30%108
RV and Boat8.500%120
RV and Boat8.75%132
RV and Boat9.00%144
Share Secured2.00%
Snow Machine8.10%36
Street Bike7.55%36
Unsecured11.55%12
Conventional Rates Rate (Percent)
15 year (First Mortgage) 5.375%
30 year (First Mortgage) 6.250%
Government Loan Rates
USDA Rural Development 30-year 5.500%
Short-Term Morgage Rates
5 year 6.625%
7 year 6.75%
10 year 6.875%
15 year 6.99%
ARM Rates (Adjustable Rate Mortgage)
7/1 ARM 6.875%
10/1 ARM 7.00%
15/1 ARM 7.00% (Termed over 20 years)
Home Equity Mortgage Rates
5 year (Second Mortgage) 7.125%
7 year (Second Mortgage) 7.250%
10 year (Second Mortgage) 7.375%
15 year (Second Mortgage) 7.490%
Home Equity Line of Credit (HELOC) 7.50% (Variable Rate)
Construction and Lot Loan Rates
Residential Building Lot (15 year - Fixed Rate) 7.740%
Construction Loan 7.250%
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 3.000%
Pocket Change Account 3.00%
Term Rate APY
3 Month 2.00%
5 Month Special* 4.60%
6 Month 4.60%
12 Month 4.40%
18 Month 4.10%
24 Month 4.00%
36 Month 3.70%
48 Month 3.70%
60 Month 3.65%

*5 Month Special - No broker funds.

Deposit Amount Rate (Percent)
$0 - $4,999 0.20%
$5,000 - $24,999 0.50%
$25,000 - $49,999 1.00%
$50,000 - $99,999 1.50%
$100,000 - $249,999 2.75%
$250,000 - $499,999 2.75%
$500,000 - $999,999 2.75%
$1,000,000+ 4.50%
 
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