Deposit Rates
Personal CD
OPEN NOW| Term | APY* | Interest Rate | Initial Deposit |
|---|---|---|---|
| 6 Month Promo CD | 1.500% | 1.500% | $500 |
| 12 Month Promo CD | 2.000% | 1.985% | $500 |
| 24 Month Promo CD | 2.100% | 2.083% | $500 |
| 60 Month Promo CD | 2.300% | 2.280% | $500 |
| 3 Month CD | 0.150% | 0.150% | $500 |
| 6 Month CD | 0.200% | 0.200% | $500 |
| 18 Month CD | 0.300% | 0.299% | $500 |
| 1 Year CD | 0.250% | 0.249% | $500 |
| 2 Year CD | 0.350% | 0.349% | $500 |
| 3 Year CD | 0.750% | 0.747% | $500 |
| 4 Year CD | 0.950% | 0.946% | $500 |
| 5 Year CD | 1.050% | 1.045% | $500 |
*APY - Annual Percentage Yield
Rates valid for Thursday, January 23, 2020.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Money Market Checking Account
OPEN NOW| Balance | APY* | Interest Rate |
| 0-2,499 | 0.000% | 0.000% |
| 2,500-24,999 | 0.100% | 0.099% |
| 25,000-49,999 | 0.150% | 0.149% |
| 50,000-99,999 | 0.150% | 0.149% |
| 100,000 + | 0.200% | 0.199% |
Money Market Savings Account
OPEN NOW| Balance | APY* | Interest Rate |
| 0-2,499 | 0.000% | 0.000% |
| 2,500-24,999 | 0.200% | 0.199% |
| 25,000-49,999 | 0.250% | 0.249% |
| 50,000-99,999 | 0.300% | 0.299% |
| 100,000 + | 0.400% | 0.399% |
Rates valid for Thursday, January 23, 2020.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Share Savings Account
OPEN NOW| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 299 | 0.000% | 0.000% |
| 300 + | 0.100% | 0.099% |
Central Cents Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0.01 + | 0.100% | 0.099% |
Choice Savings Account
OPEN NOW| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 1,499 | 0.100% | 0.099% |
| 1,500 + | 0.200% | 0.199% |
Youth Savings Account
OPEN NOW| Balance | APY* | Interest Rate |
|---|---|---|
| 0-299 | 0.050% | 0.049% |
| 300-1,499 | 0.100% | 0.099% |
| 1,500 + | 0.150% | 0.149% |
High-Yield Online Savings Account
OPEN NOW| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 999 | 0.000% | 0.000% |
| 1,000 - 24,999 | 1.700% | 1.686% |
| 25,000 - 49,999 | 1.700% | 1.686% |
| 50,000 - 99,999 | 1.700% | 1.686% |
| 100,000 - 249,999 | 1.700% | 1.686% |
| 250,000 + | 1.700% | 1.686% |
Health Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 2,499 | 0.200% | 0.199% |
| 2,500 - 24,999 | 0.300% | 0.299% |
| 25,000 + | 0.450% | 0.449% |
Medical Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 2,499 | 0.100% | 0.099% |
| 2,500 - 24,999 | 0.100% | 0.099% |
| 25,000 + | 0.100% | 0.099% |
Coverdell Education Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 299 | 0.100% | 0.099% |
| 300 + | 0.200% | 0.199% |
Rates valid for Thursday, January 23, 2020.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
IRA Share Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 299 | 0.100% | 0.099% |
| 300 + | 0.200% | 0.199% |
IRA Money Market Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0-2,499 | 0.100% | 0.099% |
| 2,500-24,999 | 0.200% | 0.199% |
| 25,000-49,999 | 0.250% | 0.249% |
| 50,000-99,999 | 0.300% | 0.299% |
| 100,000 + | 0.400% | 0.399% |
IRA Certificate of Deposit Account
| Term | APY* | Interest Rate | Initial Deposit |
|---|---|---|---|
| 6 Month Promo CD | 1.500% | 1.500% | 500 |
| 12 Month Promo CD | 2.000% | 1.985% | 500 |
| 24 Month Promo CD | 2.100% | 2.083% | 500 |
| 60 Month Promo CD | 2.300% | 2.280% | 500 |
| 3 Month CD | 0.150% | 0.150% | 500 |
| 6 Month CD | 0.200% | 0.200% | 500 |
| 1 Year CD | 0.250% | 0.249% | 500 |
| 18 Month CD | 0.300% | 0.299% | 500 |
| 2 Year CD | 0.350% | 0.349% | 500 |
| 3 Year CD | 0.750% | 0.747% | 500 |
| 4 Year CD | 0.950% | 0.946% | 500 |
| 5 Year CD | 1.050% | 1.045% | 500 |
A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
*APY - Annual Percentage Yield
Rates valid for Thursday, January 23, 2020.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Loan Rates
Auto Rates
APPLY NOW| Age of Vehicle | Loan Term | Interest Rate* | Pmt/$1,000 |
|---|---|---|---|
| 2017 or newer | 24 months | 3.390% | $45.18 |
| 2017 or newer | 36 months | 3.390% | $31.29 |
| 2017 or newer | 48 months | 3.840% | $24.58 |
| 2017 or newer | 60 months | 3.890% | $20.47 |
| 2017 or newer | 72 months | 4.190% | $17.88 |
| 2017 or newer | 84 months | 5.190% | $16.45 |
| 2014-2016 | 24 months | 3.790% | $45.36 |
| 2014-2016 | 36 months | 3.790% | $31.47 |
| 2014-2016 | 48 months | 4.040% | $24.67 |
| 2014-2016 | 60 months | 4.090% | $20.56 |
| 2014-2016 | 72 months | 4.390% | $17.98 |
| 2014-2016 | 84 months | 5.450% | $16.58 |
| 2011-2013 | 24 months | 4.290% | $45.59 |
| 2011-2013 | 36 months | 4.290% | $31.71 |
| 2011-2013 | 48 months | 4.490% | $24.88 |
| 2011-2013 | 60 months | 5.490% | $21.25 |
| 2011-2013 | 72 months | 6.490% | $19.04 |
| 2008-2010 | 24 months | 4.790% | $45.82 |
| 2008-2010 | 36 months | 4.790% | $31.94 |
| 2008-2010 | 48 months | 5.790% | $25.51 |
| 2008-2010 | 60 months | 6.790% | $21.90 |
| 2004-2007 | 24 months | 5.790% | $46.29 |
| 2004-2007 | 36 months | 5.790% | $32.41 |
| 2004-2007 | 48 months | 6.790% | $25.99 |
| 2003-Older | 24 months | 11.990% | $49.22 |
| 2003-Older | 36 months | 11.990% | $35.42 |
Small Recreational Vehicles
APPLY NOW| Age of Vehicle | Loan Term | Interest Rate* | Pmt/$1,000 |
|---|---|---|---|
| 2017 or newer | 36 months | 5.440% | $32.24 |
| 2017 or newer | 48 months | 5.440% | $25.34 |
| 2017 or newer | 60 months | 6.440% | $21.72 |
| 2017 or newer | 72 months | 6.440% | $19.01 |
| 2017 or newer | 84 months | 7.200% | $17.50 |
| 2014-2016 | 36 months | 6.490% | $32.74 |
| 2014-2016 | 48 months | 6.990% | $26.09 |
| 2014-2016 | 60 months | 7.490% | $22.25 |
| 2014-2016 | 72 months | 7.740% | $19.69 |
| 2010-2013 | 36 months | 6.640% | $32.81 |
| 2010-2013 | 48 months | 7.140% | $26.17 |
| 2010-2013 | 60 months | 7.640% | $22.32 |
| 2005-2009 | 36 months | 8.140% | $33.53 |
| 2005-2009 | 48 months | 8.640% | $26.91 |
| 2004-Older | 36 months | 13.990% | $36.42 |
| 2004-Older | 48 months | 13.990% | $29.65 |
Large Recreational Vehicles
APPLY NOW| Age of Vehicle | Loan Term | Interest Rate* | Pmt/$1,000 |
|---|---|---|---|
| 2017 or newer | 120 months | 5.340% | $13.13 |
| 2017 or newer | 144 months | 5.790% | $12.13 |
| 2017 or newer | 180 months | 6.540% | $11.40 |
| 2017 or newer | 48 months | 4.990% | $25.12 |
| 2017 or newer | 60 months | 4.990% | $21.00 |
| 2017 or newer | 72 months | 5.040% | $18.30 |
| 2017 or newer | 84 months | 5.040% | $16.37 |
| 2014-2016 | 120 months | 6.800% | $13.95 |
| 2014-2016 | 144 months | 7.000% | $12.84 |
| 2014-2016 | 48 months | 5.550% | $25.39 |
| 2014-2016 | 60 months | 5.550% | $21.28 |
| 2014-2016 | 72 months | 6.300% | $18.94 |
| 2014-2016 | 84 months | 6.600% | $17.18 |
| 2010-2013 | 120 months | 6.950% | $14.04 |
| 2010-2013 | 48 months | 5.700% | $25.46 |
| 2010-2013 | 60 months | 5.700% | $21.35 |
| 2010-2013 | 72 months | 6.450% | $19.02 |
| 2010-2013 | 84 months | 6.750% | $17.26 |
| 2005-2009 | 48 months | 6.400% | $25.81 |
| 2005-2009 | 60 months | 6.400% | $21.70 |
| 2005-2009 | 72 months | 7.290% | $19.45 |
| 2005-2009 | 84 months | 7.590% | $17.71 |
| 2004-Older | 48 months | 13.990% | $29.65 |
Street Motorcycle
APPLY NOW| Age of Vehicle | Loan Term | Interest Rate* | Pmt/$1,000 |
|---|---|---|---|
| 2017 or newer | 36 months | 4.300% | $31.71 |
| 2017 or newer | 48 months | 4.490% | $24.88 |
| 2017 or newer | 60 months | 4.990% | $21.00 |
| 2017 or newer | 72 months | 5.990% | $18.78 |
| 2017 or newer | 84 months | 7.490% | $17.66 |
| 2014-2016 | 36 months | 6.290% | $32.65 |
| 2014-2016 | 48 months | 6.790% | $25.99 |
| 2014-2016 | 60 months | 7.290% | $22.15 |
| 2014-2016 | 72 months | 7.540% | $19.58 |
| 2014-2016 | 84 months | 7.790% | $17.82 |
| 2010-2013 | 36 months | 6.440% | $32.72 |
| 2010-2013 | 48 months | 6.940% | $26.07 |
| 2010-2013 | 60 months | 7.440% | $22.22 |
| 2005-2009 | 36 months | 7.940% | $33.43 |
| 2005-2009 | 48 months | 8.440% | $26.81 |
| 2004-Older | 36 months | 13.990% | $36.42 |
| 2004-Older | 48 months | 13.990% | $29.65 |
*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
Pmt/$1,000 = the estimated payment per $1,000 borrowed
Rates valid for Thursday, January 23, 2020.
Visa Credit Cards
APPLY NOW| Type | APR* | Grace Period for Purchases | Annual Fee |
|---|---|---|---|
| Premier Rewards | Variable rate as low as 14.24% | 20 to 25 days | None |
| Rewards | Variable rate as low as 10.24% | 20 to 25 days | None |
| Variable-Rate Platinum | Variable rate as low as 9.24% | 20 to 25 days | None |
| Fixed-Rate Platinum | Fixed rate as low as 13.99% | 20 to 25 days | None |
*APR - Annual Percentage Rate
Rates valid for Thursday, January 23, 2020.
Signature Loans
APPLY NOW| Rate* | Loan Term | Pmt/$1,000 |
|---|---|---|
| 11.640% | 24 Months | $49.09 |
| 12.340% | 36 Months | $35.59 |
| 12.540% | 48 Months | $28.89 |
| 12.740% | 60 Months | $25.00 |
Share Secured Loans
APPLY NOW| Type | Rate* |
|---|---|
| Share Secured | 5.00% |
| CD Secured | 5.00% |
*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
Pmt/$1,000 = the estimated payment per $1,000 borrowed
Rates valid for Thursday, January 23, 2020.
Home Equity Loans
APPLY NOW| Type | Rate* | APR |
|---|---|---|
| Home Equity Line of Credit | 4.750% | 4.750% |
*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
Rates valid for Thursday, January 23, 2020.
Home Loans
APPLY NOW| Loan | Interest Rate | APR* |
|---|---|---|
| 15 Year Fixed Rate | 3.000% | 3.230% |
| 30 Year Fixed Rate | 3.625% | 3.758% |
| Advantage ARM | 2.990% | 3.718% |
| FHA 30 Year Fixed Rate | 3.250% | 4.354% |
| Idaho Housing First Loan | 3.250% | 4.416% |
*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
Rates valid for Thursday, January 23, 2020.
Business Rates
- Business Certificate of Deposit Rates
- Business Money Market Rates
- Business Savings Account Rates
- Business Visa Credit Cards
- For Business Loan rates, contact us
Business CDs
| Term | APY* | Interest Rate | Initial Deposit |
|---|---|---|---|
| 6 Month Promo CD | 1.500% | 1.500% | $500 |
| 12 Month Promo CD | 2.000% | 1.985% | $500 |
| 24 Month Promo CD | 2.100% | 2.083% | $500 |
| 60 Month Promo CD | 2.300% | 2.280% | $500 |
| 3 Month CD | 0.150% | 0.150% | $500 |
| 6 Month CD | 0.200% | 0.200% | $500 |
| 18 Month CD | 0.300% | 0.299% | $500 |
| 1 Year CD | 0.250% | 0.249% | $500 |
| 2 Year CD | 0.350% | 0.349% | $500 |
| 3 Year CD | 0.750% | 0.747% | $500 |
| 4 Year CD | 0.950% | 0.946% | $500 |
| 5 Year CD | 1.050% | 1.045% | $500 |
A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
*APY - Annual Percentage YieldRates valid for Thursday, January 23, 2020.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Business Money Market Checking Account
| Balance | APY* | Interest Rate |
| 0-2,499 | 0.050% | 0.049% |
| 2,500-24,999 | 0.150% | 0.149% |
| 25,000-49,999 | 0.200% | 0.199% |
| 50,000-99,999 | 0.250% | 0.249% |
| 100,000-249,999 | 0.250% | 0.249% |
| 250,000 + | 0.300% | 0.299% |
Business Premium Money Market Savings Account
| Balance | APY* | Interest Rate |
| 0-2,499 | 0.100% | 0.099% |
| 2,500-24,999 | 0.250% | 0.249% |
| 25,000-49,999 | 0.300% | 0.299% |
| 50,000-99,999 | 0.450% | 0.449% |
| 100,000-249,999 | 0.600% | 0.598% |
| 250,000+ | 0.650% | 0.648% |
Rates valid for Thursday, January 23, 2020.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Business Visa Credit Cards
| Type | APR* | Grace Period for Purchases | Annual Fee |
|---|---|---|---|
| Business Premier Rewards | Variable rate as low as 14.24% | 20 to 25 days | None |
| Business Visa Rewards | Variable rate as low as 10.24% | 20 to 25 days | None |
| Business Visa Platinum | Variable rate as low as 9.24% | 20 to 25 days | None |
*APR - Annual Percentage Rate
Rates valid for Thursday, January 23, 2020.
Business Savings Rates
| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 299 | 0.000% | 0.000% |
| 300 + | 0.100% | 0.099% |
Rates valid for Thursday, January 23, 2020.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.