APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of February 16, 2023.
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.
| Loan Type | Max Term | APR |
|---|---|---|
| Auto Loans | 84 Months | 5.74% - 18.00% |
|
Small Recreational Vehicles (Motorcycles, UTVs, 4-Wheelers, Jet Skis, Snowmobiles, Horse Trailers, etc.) |
84 Months | 6.50% - 18.00% |
|
Large Recreational Vehicles (Boats, Motor Homes, Travel Trailers, 5th Wheels, Campers, Living Quarter Horse Trailers) |
180 Months | 6.74% - 18.00% |
|
Mobile Home Loans (Mobile homes must be manufactured after 1976. Must be owner occupies and cannot be used as an investment property) |
180 Months | 6.50% - 18.00% |
| Land Loans | 180 Months | 6.74% - 11.74% |
|
Second Mortgage Loans/Home Equity Loan Must be owner-occupied and cannot be an investment property |
240 Months | 5.25% - 8.25% |
| Personal Loans | 60 Months | 9.49% - 18.00% |
|
Overdraft Lines of Credit Monthly payments will be figured at 3% of outstanding balance at the time of the advance, with a minimum payment of $25.00 monthly |
Revolving | 11.90% |
|
Credit Cards No Annual Fee |
Revolving | 8.00% - 17.90% |
| Share Secured Loans | 60 Months | Rate + 2.00% |
| Certificate Secured Loans | Varies | Rate + 2.00% |
| Credit Builder Loan | 36 Months | 9.00% |
| Loan rates effective as of March 10, 2023. The interest rate on each loan is customized to the individual member. Factors that will affect your rate are your credit history, the loan type, value of collateral, and the term that you request. Some restrictions may apply. | ||
| Minimum Balance to Earn Dividends | APY | Dividend Rate |
|---|---|---|
| $25 | 0.10% | 0.10% |
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.
| Minimum Balance to Earn Dividends | APY | Dividend Rate |
|---|---|---|
| $25 | 0.10% | 0.10% |
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.
| Minimum Balance to Earn Dividends | Dividend Rate | APY |
|---|---|---|
| $2,500 - $9,999.00 | 0.50% | 0.501% |
| $10,000 - $24,999 | 0.60% | 0.602% |
| $25,000 - $49,999 | 0.70% | 0.702% |
| $50,000 - $99,999 | 0.80% | 0.803% |
| $100,000+ | 1.50% | 1.511% |
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.
| Term | Minimum Balance to Earn Dividends | APY | Dividend Rate |
|---|---|---|---|
| 6 Months at Maturity** | $1,000 | 3.022% | 3.00% |
| 12 Months at Maturity** | $1,000 | 4.000% | 4.00% |
| 24 Months Quarterly*** | $1,000 | 4.06% | 4.00% |
| 36 Months Quarterly*** | $1,000 | 3.034% | 3.00% |
| 48 Months Quarterly*** | $1,000 | 2.778% | 2.75% |
| 60 Months Quarterly*** | $1,000 | 2.524% | 2.50% |
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
*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
| Term | Minimum Balance to Earn Dividends | Dividend Rate | APY |
|---|---|---|---|
| IRA Daily Savings* | $100 | 0.10% | 0.10% |
| 6 Month** | $100 | 3.00% | 3.022% |
| 12 Month** | $100 | 4.00% | 4.00% |
| 24 Month*** | $100 | 4.00% | 4.06% |
| 36 Month*** | $100 | 3.00% | 3.034% |
| 48 Month*** | $100 | 2.75% | 2.778% |
| 60 Month*** | $100 | 2.50% | 2.524% |
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
*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
| Personal Account Fees | |
|---|---|
| Account Re-Opening (If within 30 days of closure) | $25.00 |
| Cashier's Check | $2.00 each |
| Check Printing | Depends on style |
| Counter Checks | $1.00 per 4 checks |
| Debit Card Reissue | $5.00 per card |
| Everyday Spend Card | $4.50 each |
| Flex Pay | $20.00 each |
| Gift Card Fee | $2.00 each |
| Inactive Account (Fee charged after 12 months inactivity on the last business day of March, June, September & December) | $5.00 per quarter |
| IRA Annual Fee | $10.00 |
| IRA Closing Fee | $5.00 |
| IRA External Transfer Fee | $25.00 |
| Kasasa Protect | $7.99 per month |
| Kasasa Protect (Non Kasasa Account Holder) | $9.99 per month |
| Membership Fee (One-time) | $5.00 |
| Money Order | $2.00/each |
| Negative Balance Charge | $25.00 each |
| Non-Sufficient Funds | $25.00 each |
| Paid Non-Sufficient Funds | $25.00 each |
| Research or Reconciliation | $20.00 per hour |
| Returned Deposit Fee | $10.00 per item |
| Returned Deposit (From members own account) | $25.00 per item |
| Returned Statement | $5.00 per item |
| Second Chance Checking | $8.00 per month |
| Stop Payment | $20.00 per item |
| Travel Money Card | $6.00 each |
| Visa International Service Assessment (ISA) Fee* | 1% of Transaction |
| Wire – Outgoing Domestic | $25.00 each |
| Wire – Outgoing Foreign | $45.00 each |
|
Fees Effective 1/1/2023 *Fee will be assessed on all transactions made in a foreign country & if the merchant or third part processor resides in a foreign country |
|
MAIN OFFICE
912 South Washington
P.O. Box 9286
Moscow, ID 83843
POTLATCH BRANCH
160 6th Street
P.O. Box 264
Potlatch, ID 83855
KENDRICK BRANCH
602 Main Street
P.O. Box 274
Kendrick, ID 83537
PLUMMER BRANCH
396062 Hwy 95
P.O. Box 471
Plummer, ID 83851
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of February 16, 2023.
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.
| Loan Type | Max Term | APR |
|---|---|---|
| Auto Loans | 84 Months | 5.74% - 18.00% |
|
Small Recreational Vehicles (Motorcycles, UTVs, 4-Wheelers, Jet Skis, Snowmobiles, Horse Trailers, etc.) |
84 Months | 6.50% - 18.00% |
|
Large Recreational Vehicles (Boats, Motor Homes, Travel Trailers, 5th Wheels, Campers, Living Quarter Horse Trailers) |
180 Months | 6.74% - 18.00% |
|
Mobile Home Loans (Mobile homes must be manufactured after 1976. Must be owner occupies and cannot be used as an investment property) |
180 Months | 6.50% - 18.00% |
| Land Loans | 180 Months | 6.74% - 11.74% |
|
Second Mortgage Loans/Home Equity Loan Must be owner-occupied and cannot be an investment property |
240 Months | 5.25% - 8.25% |
| Personal Loans | 60 Months | 9.49% - 18.00% |
|
Overdraft Lines of Credit Monthly payments will be figured at 3% of outstanding balance at the time of the advance, with a minimum payment of $25.00 monthly |
Revolving | 11.90% |
|
Credit Cards No Annual Fee |
Revolving | 8.00% - 17.90% |
| Share Secured Loans | 60 Months | Rate + 2.00% |
| Certificate Secured Loans | Varies | Rate + 2.00% |
| Credit Builder Loan | 36 Months | 9.00% |
| Loan rates effective as of March 10, 2023. The interest rate on each loan is customized to the individual member. Factors that will affect your rate are your credit history, the loan type, value of collateral, and the term that you request. Some restrictions may apply. | ||
| Minimum Balance to Earn Dividends | APY | Dividend Rate |
|---|---|---|
| $25 | 0.10% | 0.10% |
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.
| Minimum Balance to Earn Dividends | APY | Dividend Rate |
|---|---|---|
| $25 | 0.10% | 0.10% |
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.
| Minimum Balance to Earn Dividends | Dividend Rate | APY |
|---|---|---|
| $2,500 - $9,999.00 | 0.50% | 0.501% |
| $10,000 - $24,999 | 0.60% | 0.602% |
| $25,000 - $49,999 | 0.70% | 0.702% |
| $50,000 - $99,999 | 0.80% | 0.803% |
| $100,000+ | 1.50% | 1.511% |
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.
| Term | Minimum Balance to Earn Dividends | APY | Dividend Rate |
|---|---|---|---|
| 6 Months at Maturity** | $1,000 | 3.022% | 3.00% |
| 12 Months at Maturity** | $1,000 | 4.000% | 4.00% |
| 24 Months Quarterly*** | $1,000 | 4.06% | 4.00% |
| 36 Months Quarterly*** | $1,000 | 3.034% | 3.00% |
| 48 Months Quarterly*** | $1,000 | 2.778% | 2.75% |
| 60 Months Quarterly*** | $1,000 | 2.524% | 2.50% |
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
*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
| Term | Minimum Balance to Earn Dividends | Dividend Rate | APY |
|---|---|---|---|
| IRA Daily Savings* | $100 | 0.10% | 0.10% |
| 6 Month** | $100 | 3.00% | 3.022% |
| 12 Month** | $100 | 4.00% | 4.00% |
| 24 Month*** | $100 | 4.00% | 4.06% |
| 36 Month*** | $100 | 3.00% | 3.034% |
| 48 Month*** | $100 | 2.75% | 2.778% |
| 60 Month*** | $100 | 2.50% | 2.524% |
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
*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
| Personal Account Fees | |
|---|---|
| Account Re-Opening (If within 30 days of closure) | $25.00 |
| Cashier's Check | $2.00 each |
| Check Printing | Depends on style |
| Counter Checks | $1.00 per 4 checks |
| Debit Card Reissue | $5.00 per card |
| Everyday Spend Card | $4.50 each |
| Flex Pay | $20.00 each |
| Gift Card Fee | $2.00 each |
| Inactive Account (Fee charged after 12 months inactivity on the last business day of March, June, September & December) | $5.00 per quarter |
| IRA Annual Fee | $10.00 |
| IRA Closing Fee | $5.00 |
| IRA External Transfer Fee | $25.00 |
| Kasasa Protect | $7.99 per month |
| Kasasa Protect (Non Kasasa Account Holder) | $9.99 per month |
| Membership Fee (One-time) | $5.00 |
| Money Order | $2.00/each |
| Negative Balance Charge | $25.00 each |
| Non-Sufficient Funds | $25.00 each |
| Paid Non-Sufficient Funds | $25.00 each |
| Research or Reconciliation | $20.00 per hour |
| Returned Deposit Fee | $10.00 per item |
| Returned Deposit (From members own account) | $25.00 per item |
| Returned Statement | $5.00 per item |
| Second Chance Checking | $8.00 per month |
| Stop Payment | $20.00 per item |
| Travel Money Card | $6.00 each |
| Visa International Service Assessment (ISA) Fee* | 1% of Transaction |
| Wire – Outgoing Domestic | $25.00 each |
| Wire – Outgoing Foreign | $45.00 each |
|
Fees Effective 1/1/2023 *Fee will be assessed on all transactions made in a foreign country & if the merchant or third part processor resides in a foreign country |
|
