Loan rates in Idaho

  • All rates effective 1/17/2017
  • 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.
  • Click here to view deposit 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

Apply Online 

Auto (Car and Truck) Loan Rates

Vehicle Age

Loan Term

APR*

New 24 Months 2.99%
New 36 Months 2.99%
New 48 Months 2.99%
New 60 Months 2.99%
New 72 Months 3.29%
New 84 Months 3.39%
Used 24 Months 2.99%
Used 36 Months 2.99%
Used 48 Months 2.99%
Used 60 Months 2.99%
Used 72 Months 3.29%
Used 84 Months 3.39%
Apply Online  Return to Top

*The annual percentage rates listed are our best rates. Your rate and term may differ depending on credit history, age of the vehicle and underwriting criteria.

Motorcycle, Snowmobile, ATV, and Personal Watercraft Loan Rates

Vehicle Age

Loan Term

APR*

New 36 Months 4.99%
New 48 Months 4.99%
New 60 Months 4.99%
New 72 Months 5.29%
Used 36 Months 4.99%
Used 48 Months 4.99%
Used 60 Months 4.99%
Used 72 Months 5.29%
Apply Online  Return to Top

*The annual percentage rates listed are our best rates. Your rate and term may differ depending on credit history, age of the vehicle and underwriting criteria.

Motorhome, RV and Trailer Loan Rates

Vehicle Age

Loan Term

APR*

New 36 Months 4.69%
New 48 Months 4.69%
New 60 Months 4.69%
New 72 Months 4.69%
New 96 Months 4.79%
New 120 Months 4.89%
New 144 Months 5.29%
Used 36 Months 4.69%
Used 48 Months 4.69%
Used 60 Months 4.69%
Used 72 Months 4.69%
Used 96 Months 4.79%
Used 120 Months 4.89%
Used 144 Months 5.29%
Apply Online 
Return to Top

*The annual percentage rates listed are our best rates. Your rate and term may differ depending on credit history, age of the vehicle and underwriting criteria.

Boat Loan Rates

Boat Age

Loan Term

APR*

New 36 Months 4.79%
New 48 Months 4.79%
New 60 Months 4.79%
New 72 Months 5.19%
New 84 Months 5.49%
New 96 Months 6.29%
New 120 Months 6.99%
Used 36 Months 4.79%
Used 48 Months 4.79%
Used 60 Months 4.79%
Used 72 Months 5.19%
Used 84 Months 5.49%
Used 96 Months 6.29%
Used 120 Months 6.99%
Apply Online  Return to Top

*The annual percentage rates listed are our best rates. Your rate and term may differ depending on credit history, age of the boat and underwriting criteria.

Personal Loan Rates

Account and Certificate Secured

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 Lines of Credit

Visa Credit Card 9.90%, 10.90% or 13.90%
Unsecured Line of Credit 14.00%
Apply Online  Return to Top


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.

Return to Top


Home Equity Line of Credit Rates

Loan to Value

APR

Up to 80% Prime Rate**
80-90% Prime Rate** +1
Over 90% Prime Rate** +2

Return to Top

*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 3.50%.  Minimum HELOC rate is 4.00%, maximum is 18.00%.