APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of March 1, 2018.

Dividends on all accounts may change at any time as determined by the Board of Directors. Dividends are paid from current income and available earnings after required transfers to reserves have been made at the end of the dividend period. Please be aware that early withdrawal penalties may apply to all certificates. Fees may reduce earnings on all accounts.


Share Savings/Idaho Medical SavingsLearn More

Minimum Balance to Earn Dividends APY Dividend Rate
$25 0.25% 0.25%

The above rates reflect the anticipated APY for the current month.

Dividends will be calculated on an average daily balance method and be paid on last calendar day of each month.

SuperShares Money MarketLearn More

Minimum Balance to Earn Dividends APY Dividend Rate
$2,500 - $9,999.00 0.25% 0.25%
$10,000 - $24,999 0.451% 0.45%
$25,000 - $49,999 0.451% 0.45%
$50,000 - $99,999 0.501% 0.50%
$100,000+ 0.602% 0.60%

The above rates reflect the anticipated APY for the current month.

Dividends will be calculated on an average daily balance method and be paid on last calendar day of each month.

Certificates of DepositLearn More

Term Minimum Balance to Earn Dividends APY Dividend Rate
6 Months at Maturity** $1,000 0.601% 0.60%
12 Months at Maturity** $1,000 0.90% 0.90%
24 Months Quarterly*** $1,000 1.508%  1.50%
36 Months Quarterly*** $1,000 1.660% 1.65%
48 Months Quarterly*** $1,000 2.269% 2.25%
60 Months Quarterly*** $1,000 2.320% 2.30%

Early withdrawal penalty for Certificates 12 months or less 90 days of dividends

Earlywithdrawal penalty for Certificates over 12 months 180 days of dividends

*Dividends will be calculated on an average daily balance method and be paid on the last calendar day of each month.

**Dividends paid at maturity

***Dividends paid every ninety days from issued date until maturity

 

Individual Retirement Accounts/ERALearn More

Term Minimum Balance to Earn Dividends APY Dividend Rate
IRA Daily Savings* $100 0.25% 0.25%
6 Month** $100 0.601% 0.60%
12 Month** $100 0.90% 0.90%
24 Month*** $100 1.508% 1.50%
36 Month*** $100 1.660% 1.65%
48 Month*** $100 2.269% 2.25%
60 Month*** $100 2.320% 2.30%

*Dividends will be calculated on an average daily balance method and be paid on the last calendar day of each month.

**Dividends paid at maturity

***Dividends paid every ninety days from issued date until maturity

Early withdrawal penalty for Certificates 12 months or less 90 days of dividends

Early withdrawal penalty for Certificates over 12 months 180 days of dividends

Loans

Loan Type Max Term APR
Auto Loans and Small Recreational Vehicles
Motorcycles, 4-Wheelers, Jet Skis, Snowmobiles, Horse Trailers, etc
84 Months 2.74% - 18.00%
Large Recreational Vehicles
Boats, Motor Homes, Travel Trailers, 5th Wheels, Campers, Living Quarter Horse Trailers
180 Months 2.74% - 18.00%
Mobile Home Loans*
Mobile homes must be manufactured after 1976. Must be owner occupied and cannot be used as an investment property
180 Months 8.50% - 18.00%
Land Loans 180 Months 6.75% - 12.50%
Second Mortgage Loans
Must be owner occupied and cannot be an investment property
180 Months 6.25% - 10.75%
Personal Loans 60 Months 9.00% - 18.00%
Overdraft Lines of Credit** Revolving 11.90%
Credit Cards*** Revolving 6.90% - 10.40%
Share Secured Loans 60 Months Rate + 2.00%
Certificate Secured Loans Varies Rate + 2.00%

*$300 application fee

**Monthly payments will be figured at 3% of outstanding balance at the time of the advance, with a minimum payment of $25.00 monthly

***No annual fee