Loan rates in Idaho

  • All rates effective 2/20/2018
  • 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

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Auto (Car and Truck) Loan Rates

Vehicle Age

Loan Term

APR*

New or used 24 Months 3.99%
New or used 36 Months 3.99%
New or used 48 Months 3.99%
New or used 60 Months 3.99%
New or used 72 Months 4.14%
New or used 84 Months 4.29%
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*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 or used 36 Months 4.79%
New or used 48 Months 4.79%
New or used 60 Months 4.79%
New or used 72 Months 4.99%
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*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, Travel Trailer and Boat Loan Rates

Vehicle Age

Loan Term

APR*

New or used 36 Months 4.49%
New or used 48 Months 4.49%
New or used 60 Months 4.79%
New or used 72 Months 4.79%
New or used 96 Months 4.99%
New or used 120 Months 4.99%
New or used 144 Months 5.49%
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*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.


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

Unsecured Line of Credit 14.00%
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Credit Cards

Visa Classic Credit Card As low as 9.90% Fixed
Visa Platinum Credit Card As low as 8.74%
Visa Platinum Rewards Credit Card As low as 9.74%

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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*

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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 4.75%.  Minimum HELOC rate is 4.75%, maximum is 18.00%.