Vehicle LoansRate (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
ConsumerRate (Percent)Term (months)
ATV8.10%36
Credit Card Cash Advance9.90%
Credit Card Purchase8.90%
Offroad Cycles8.10%36
Overdraft Line of Credit17.50%
Piano7.55%36
RV and Boat7.10%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 Boat8.50%120
RV and Boat8.75%132
RV and Boat9.00%144
Share Secured2.00%
Snow Machine8.10%36
Street Bike7.55%36
Unsecured10.55%12
Conventional Rates Rate (Percent)
30 year (First Mortgage) 6.000%
15 year (First Mortgage) 5.375%
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) 7.500% (Variable Rate)
Construction and Lot Loan Rates
Residential Construction 7.000%
Residential Building Lot (15 year - Fixed Rate) 7.625%
Savings AccountRate (Percent)Term (months)
Bridal Registry
Escrow Savings0.05%
Unlimited Transaction Savings0.05%
Dedicated Savings0.10%
Regular Savings0.10%
Coverdell Education Savings Account (CESA)0.20%
Idaho Medical Savings0.20%
IRA Savings0.20%
Missionary Savings Account3.00%
Pocket Change Account3.00%
$500-24,999$25,000-49,999$50,000-74,999$75,000-99,999$100,000+
3 Month2.00%2.00%2.05%2.05%2.10%
6 Month4.00%4.00%4.05%4.05%4.10%
12 Month4.65%4.65%4.70%4.70%4.75%
15 Month Special*5.00%5.00%5.05%5.05%5.10%
18 Month4.70%4.70%4.75%4.75%4.80%
22 Month Special**4.50%4.50%4.55%4.55%4.60%
24 Month4.25%4.25%4.30%4.30%4.35%
30 Month Special***4.50%4.50%4.55%4.55%4.60%
36 Month3.50%3.50%3.55%3.55%3.60%
48 Month3.50%3.50%3.55%3.55%3.60%
60 Month3.75%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.

*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.

***30 Month Special is a one-time bump certificate and is for new money only. Must have direct deposit and checking account with active debit card. No broker funds.

Deposit AmountRate (Percent)Term (months)
$0-2,4990.10%
$2,500-4,9990.20%
$5,000-24,9990.50%
$25,000-49,9990.75%
$50,000+1.00%
 
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