Loan rates in Idaho

  • All rates effective 6/24/2015
  • APR = Annual Percentage Rate
  • All rates are subject to change at any time
  • Rates may vary by location. Call your local branch for special rates.

When you’re looking to borrow money, you want to be confident you’ll get a great rate that matches your unique needs. As a member-owned cooperative, we don’t pay Wall Street shareholders, we pay our members through better rates and returns. Below, you’ll find rates for new and used: autos and trucks, motor homes, trailers, boats, motorcycles, ATVs, personal watercraft. Additionally, you can find home loan and other personal loan rate information.

Iconic Loan Rates


Auto (Car and Truck) Loan Rates

Vehicle Age

Loan Term

APR*

New

24 Months

2.69%

New

36 Months

2.69%

New

48 Months

2.69%

New

60 Months

2.69%

New

72 Months

2.79%

New

84 Months

2.99%

Used

24 Months

2.69%

Used

36 Months

2.69%

Used

48 Months

2.69%

Used

60 Months

2.69%

Used

72 Months

2.79%

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*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.

Motorcycle, Snowmobile, ATV, and Personal Watercraft Loan Rates

Vehicle Age

Loan Term

APR*

New

36 Months

3.99%

New

48 Months

4.29%

New

60 Months

4.59%

New

72 Months

4.89%

Used

36 Months

3.99%

Used

48 Months

4.29%

Used

60 Months

4.59%

Used

72 Months

4.89%

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*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.

Motorhome, RV, Trailer, and Boat Loan Rates

Vehicle Age

Loan Term

APR*

New

36 Months

4.29%

New

48 Months

4.29%

New

60 Months

4.29%

New

72 Months

4.59%

New

84 Months

4.79%

New

96 Months

4.79%

New

120 Months

5.29%

Used

36 Months

4.29%

Used

48 Months

4.29%

Used

60 Months

4.29%

Used

72 Months

4.59%

Used

84 Months

4.79%

Used

96 Months

4.79%

Used

120 Months

5.29%

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*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.

Personal Loan Rates

Account and Certificate Secured

Loan Term

APR

Certificate Secured – 60 months

Rate + 3%

Share Secured – 36 months

Rate + 3%

Share Secured – 60 months

Rate + 3%

Personal Signature Loan

Loan Term

APR

24 months

8.09%

36 months

8.59%

48 months

8.99%

60 months

9.79%

72 months

10.59%

Personal Line of Credit

Loan Term

APR

Visa® Credit Card

13.90%

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Home Loan Rates

In an effort to best serve our members, we do not provide home loan interest rates on our web site. With so many different loan programs available and every situation unique, it is difficult for a computer to determine the best program for each situation.

Therefore, we would like to open up a personal line of communication with you in order to assess your specific circumstances and determine the best loan program for your needs. Once we fit you with the correct type of loan, we will be able to offer you a very competitive rate.

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Home Equity Line of Credit Rates

Loan to Value

APR

Up to 80%

Prime Rate**

Greater than 80%, Less than 90%

Prime Rate ** +1

90% and up

Prime Rate ** +2

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*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
**Rate is based on prime rate as published in the Wall Street Journal adjusted quarterly and currently at 3.25%.  Minimum HELOC rate is 4.00%, maximum is 18.00%.