Deposit Rates
Personal CD
| Term | APY* | Interest Rate | Initial Deposit |
|---|---|---|---|
| 6 Month Promo CD | 0.450% | 0.450% | $500 |
| 12 Month Promo CD | 0.550% | 0.548% | $500 |
| 24 Month Promo CD | 0.700% | 0.698% | $500 |
| 60 Month Promo CD | 1.000% | 0.996% | $500 |
| 3 Month CD | 0.050% | 0.050% | $500 |
| 6 Month CD | 0.100% | 0.100% | $500 |
| 18 Month CD | 0.200% | 0.199% | $500 |
| 1 Year CD | 0.150% | 0.149% | $500 |
| 2 Year CD | 0.250% | 0.249% | $500 |
| 3 Year CD | 0.450% | 0.449% | $500 |
| 4 Year CD | 0.550% | 0.548% | $500 |
| 5 Year CD | 0.650% | 0.648% | $500 |
*APY - Annual Percentage Yield
Rates valid for Wednesday, June 3, 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
| Balance | APY* | Interest Rate |
| 0-2,499 | 0.000% | 0.000% |
| 2,500-24,999 | 0.050% | 0.049% |
| 25,000-49,999 | 0.100% | 0.099% |
| 50,000-99,999 | 0.100% | 0.099% |
| 100,000+ | 0.150% | 0.149% |
Money Market Savings Account
| 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 | 0.200% | 0.199% |
| 100,000+ | 0.250% | 0.249% |
Rates valid for Wednesday, June 3, 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
| 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
| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 1,499 | 0.100% | 0.099% |
| 1,500+ | 0.200% | 0.199% |
Youth Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0-299 | 0.050% | 0.049% |
| 1,500+ | 0.150% | 0.149% |
| 300-1,499 | 0.100% | 0.099% |
High-Yield Online Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 999 | 0.000% | 0.000% |
| 1,000 - 24,999 | 1.250% | 1.242% |
| 25,000 - 49,999 | 1.250% | 1.242% |
| 50,000 - 99,999 | 1.250% | 1.242% |
| 100,000 - 249,999 | 1.250% | 1.242% |
| 250,000+ | 1.250% | 1.242% |
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 Wednesday, June 3, 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 | 0.050% | 0.049% |
| 2,500-24,999 | 0.100% | 0.099% |
| 25,000-49,999 | 0.150% | 0.149% |
| 50,000-99,999 | 0.200% | 0.199% |
| 100,000+ | 0.250% | 0.249% |
IRA Certificate of Deposit Account
| Term | APY* | Interest Rate | Initial Deposit |
|---|---|---|---|
| 6 Month Promo CD | 0.450% | 0.450% | $500 |
| 12 Month Promo CD | 0.550% | 0.548% | $500 |
| 24 Month Promo CD | 0.700% | 0.698% | $500 |
| 60 Month Promo CD | 1.000% | 0.996% | $500 |
| 3 Month CD | 0.050% | 0.050% | $500 |
| 6 Month CD | 0.100% | 0.100% | $500 |
| 1 Year CD | 0.150% | 0.149% | $500 |
| 18 Month CD | 0.200% | 0.199% | $500 |
| 2 Year CD | 0.250% | 0.249% | $500 |
| 3 Year CD | 0.450% | 0.449% | $500 |
| 4 Year CD | 0.550% | 0.548% | $500 |
| 5 Year CD | 0.650% | 0.648% | $500 |
A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
*APY - Annual Percentage Yield
Rates valid for Wednesday, June 3, 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
| Age of Vehicle | Loan Term | Interest Rate* | Pmt/$1,000 |
|---|---|---|---|
| 2018 or newer | 24 months | 2.640% | $44.96 |
| 2018 or newer | 36 months | 2.640% | $31.06 |
| 2018 or newer | 48 months | 3.090% | $24.34 |
| 2018 or newer | 60 months | 3.140% | $20.23 |
| 2018 or newer | 72 months | 3.440% | $17.63 |
| 2018 or newer | 84 months | 4.440% | $16.19 |
| 2015-2017 | 24 months | 3.040% | $45.14 |
| 2015-2017 | 36 months | 3.040% | $31.25 |
| 2015-2017 | 48 months | 3.290% | $24.44 |
| 2015-2017 | 60 months | 3.340% | $20.32 |
| 2015-2017 | 72 months | 3.640% | $17.47 |
| 2015-2017 | 84 months | 4.700% | $16.33 |
| 2012-2014 | 24 months | 3.540% | $45.37 |
| 2012-2014 | 36 months | 3.540% | $31.48 |
| 2012-2014 | 48 months | 3.740% | $24.65 |
| 2012-2014 | 60 months | 4.740% | $21.00 |
| 2012-2014 | 72 months | 5.740% | $18.78 |
| 2009-2011 | 24 months | 4.040% | $45.60 |
| 2009-2011 | 36 months | 4.040% | $31.71 |
| 2009-2011 | 48 months | 5.040% | $25.27 |
| 2009-2011 | 60 months | 6.040% | $21.65 |
| 2005-2008 | 24 months | 5.040% | $46.06 |
| 2005-2008 | 36 months | 5.040% | $32.18 |
| 2005-2008 | 48 months | 6.040% | $25.75 |
| 2004-Older | 24 months | 11.990% | $49.22 |
| 2004-Older | 36 months | 11.990% | $35.42 |
Small Recreational Vehicles
| Age of Vehicle | Loan Term | Interest Rate* | Pmt/$1,000 |
|---|---|---|---|
| 2018 or newer | 36 months | 4.690% | $32.01 |
| 2018 or newer | 48 months | 4.690% | $25.10 |
| 2018 or newer | 60 months | 5.690% | $21.47 |
| 2018 or newer | 72 months | 5.690% | $18.76 |
| 2018 or newer | 84 months | 6.450% | $17.24 |
| 2015-2017 | 36 months | 5.740% | $32.51 |
| 2015-2017 | 48 months | 6.240% | $25.27 |
| 2015-2017 | 60 months | 6.740% | $22.00 |
| 2015-2017 | 72 months | 6.990% | $19.43 |
| 2011-2014 | 36 months | 5.890% | $32.58 |
| 2011-2014 | 48 months | 6.390% | $25.92 |
| 2011-2014 | 60 months | 6.690% | $22.08 |
| 2006-2010 | 36 months | 7.390% | $33.41 |
| 2006-2010 | 48 months | 7.890% | $26.78 |
| 2005-Older | 36 months | 13.990% | $36.42 |
| 2005-Older | 48 months | 13.990% | $29.65 |
Large Recreational Vehicles
| Age of Vehicle | Loan Term | Interest Rate* | Pmt/$1,000 |
|---|---|---|---|
| 2018 or newer | 120 months | 4.590% | $11.84 |
| 2018 or newer | 144 months | 5.040% | $11.84 |
| 2018 or newer | 180 months | 5.790% | $11.09 |
| 2018 or newer | 48 months | 4.240% | $24.89 |
| 2018 or newer | 60 months | 4.240% | $20.76 |
| 2018 or newer | 72 months | 4.290% | $18.05 |
| 2018 or newer | 84 months | 4.290% | $16.12 |
| 2015-2017 | 120 months | 6.050% | $13.67 |
| 2015-2017 | 144 months | 6.250% | $12.55 |
| 2015-2017 | 48 months | 4.800% | $25.15 |
| 2015-2017 | 60 months | 4.800% | $21.03 |
| 2015-2017 | 72 months | 5.550% | $18.69 |
| 2015-2017 | 84 months | 5.850% | $16.92 |
| 2011-2014 | 120 months | 6.200% | $13.76 |
| 2011-2014 | 48 months | 4.950% | $25.23 |
| 2011-2014 | 60 months | 4.950% | $21.11 |
| 2011-2014 | 72 months | 5.700% | $18.76 |
| 2011-2014 | 84 months | 6.000% | $17.00 |
| 2006-2010 | 48 months | 5.650% | $25.56 |
| 2006-2010 | 60 months | 5.650% | $21.45 |
| 2006-2010 | 72 months | 6.540% | $19.19 |
| 2006-2010 | 84 months | 6.840% | $17.45 |
| 2005-Older | 48 months | 13.990% | $29.65 |
Street Motorcycle
| Age of Vehicle | Loan Term | Interest Rate* | Pmt/$1,000 |
|---|---|---|---|
| 2018 or newer | 36 months | 3.550% | $31.48 |
| 2018 or newer | 48 months | 3.740% | $24.65 |
| 2018 or newer | 60 months | 4.240% | $20.76 |
| 2018 or newer | 72 months | 5.240% | $18.53 |
| 2018 or newer | 84 months | 6.740% | $17.39 |
| 2015-2017 | 36 months | 5.540% | $32.41 |
| 2015-2017 | 48 months | 6.040% | $25.75 |
| 2015-2017 | 60 months | 6.540% | $21.90 |
| 2015-2017 | 72 months | 6.790% | $19.32 |
| 2015-2017 | 84 months | 7.040% | $17.55 |
| 2011-2014 | 36 months | 5.690% | $32.48 |
| 2011-2014 | 48 months | 6.190% | $25.83 |
| 2011-2014 | 60 months | 6.690% | $21.97 |
| 2006-2010 | 36 months | 7.190% | $33.20 |
| 2006-2010 | 48 months | 7.690% | $26.56 |
| 2005-Older | 36 months | 13.990% | $36.42 |
| 2005-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 Wednesday, June 3, 2020.
Visa Credit Cards
| Type | APR* | Grace Period for Purchases | Annual Fee |
|---|---|---|---|
| Premier Rewards | Variable rate as low as 12.74% | 20 to 25 days | None |
| Rewards | Variable rate as low as 8.74% | 20 to 25 days | None |
| Variable-Rate Platinum | Variable rate as low as 7.74% | 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 Wednesday, June 3, 2020.
Signature Loans
| Rate* | Loan Term |
|---|---|
| 10.890% | 12 Months |
| 10.890% | 24 Months |
| 11.590% | 36 Months |
| 11.790% | 48 Months |
| 11.990% | 60 Months |
| 12.490% | 72 Months |
Share Secured Loans
| Type | Rate* |
|---|---|
| Share Secured | 4.25% |
| CD Secured | 4.25% |
*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 Wednesday, June 3, 2020.
Home Equity Loans
APPLY NOW| Type | Rate* | APR |
|---|---|---|
| Home Equity Line of Credit | 3.250% | 3.250% |
*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
Rates valid for Wednesday, June 3, 2020.
Home Loans
APPLY NOW| Loan | Interest Rate | APR* |
|---|---|---|
| 15 Year Fixed Rate | 2.750% | 3.028% |
| 30 Year Fixed Rate | 3.250% | 3.406% |
| Advantage ARM | 2.999% | 3.718% |
| FHA 30 Year Fixed Rate | 2.875% | 3.180% |
| Idaho Housing First Loan | 3.375% | 3.672% |
*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
Rates valid for Wednesday, June 3, 2020.
Business Rates
- Business Certificate of Deposit Rates
- Business Money Market Rates
- Business Share 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 | 0.450% | 0.450% | $500 |
| 12 Month Promo CD | 0.550% | 0.548% | $500 |
| 24 Month Promo CD | 0.700% | 0.698% | $500 |
| 60 Month Promo CD | 1.000% | 0.996% | $500 |
| 3 Month CD | 0.050% | 0.050% | $500 |
| 6 Month CD | 0.100% | 0.100% | $500 |
| 18 Month CD | 0.200% | 0.199% | $500 |
| 1 Year CD | 0.150% | 0.149% | $500 |
| 2 Year CD | 0.250% | 0.249% | $500 |
| 3 Year CD | 0.450% | 0.449% | $500 |
| 4 Year CD | 0.550% | 0.548% | $500 |
| 5 Year CD | 0.650% | 0.648% | $500 |
A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
*APY - Annual Percentage YieldRates valid for Wednesday, June 3, 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 | 0.100% | 0.099% |
| 25,000-49,999 | 0.150% | 0.149% |
| 50,000-99,999 | 0.150% | 0.149% |
| 100,000-249,999 | 0.200% | 0.199% |
| 250,000+ | 0.200% | 0.199% |
Business Premium Money Market Savings Account
| Balance | APY* | Interest Rate |
| 0-2,499 | 0.100% | 0.099% |
| 2,500-24,999 | 0.150% | 0.149% |
| 25,000-49,999 | 0.200% | 0.199% |
| 50,000-99,999 | 0.300% | 0.299% |
| 100,000-249,999 | 0.350% | 0.349% |
| 250,000+ | 0.400% | 0.399% |
Rates valid for Wednesday, June 3, 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 12.74% | 20 to 25 days | None |
| Business Visa Rewards | Variable rate as low as 8.74% | 20 to 25 days | None |
| Business Visa Platinum | Variable rate as low as 7.74% | 20 to 25 days | None |
*APR - Annual Percentage Rate
Rates valid for Wednesday, June 3, 2020.
Business Share Savings Rates
| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 299 | 0.000% | 0.000% |
| 300+ | 0.100% | 0.099% |
Rates valid for Wednesday, June 3, 2020.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.