Loan and
Saving Rates
Find great credit union rates on auto, mortgage, personal loans, and savings accounts with the neighbors you trust at Advantage Plus.
Loan Rates
Looking to make a big purchase or pay for unexpected expenses? No matter what your goal is, we offer flexible loan rates and MasterCard® credit card rates to help you take advantage of what life has to offer.
Auto Loans
Take the stress out of car buying with flexible auto loan rates, up to 100% financing, and pre-approval before your visit to the dealership.
| New Auto (7 years old or newer) |
APR |
|---|---|
| Up to 60 months (700+ score) | 4.99% |
| 72 months | 5.24% |
| 84 months | 5.99% |
| *96 months | 7.09% |
| New Auto (7 years old or newer) |
APR |
|---|---|
| Up to 60 months (700+ score) | 4.99% |
| 72 months | 5.24% |
| 84 months | 5.99% |
| *96 months | 7.09% |
*96-month requires a 700+ credit score for a new or 2-year-old car.
Auto loan rates are updated monthly. Visit your local branch to talk with a loan lender.
RV and ATV Loans
Fuel your next adventure with an RV and ATV loan from Advantage Plus with up to 100% financing and 12-year terms on new vehicles.
| New RV (7 years old or newer) |
APR |
|---|---|
| Up to 60 months (700+ score) | 5.99% |
| 72 months | 6.24% |
| 84 months | 6.99% |
| **97-144 months | 8.75% |
| Used RV (7 years old or newer) |
APR |
|---|---|
| 24 months (700+ score) | 7.49% |
| 36 months | 7.49% |
| 48 months | 7.49% |
| *60 months | 7.49% |
**All R.V. loans 96 months and up must be approved by executive management.
Rates are updated monthly. Visit your local branch to talk with a loan lender.
Personal Loans
Pay for home improvements, family vacations, medical expenses, or just about anything you need without putting up any collateral.
| Loan Type | Term | APR |
|---|---|---|
| Overdraft Protection | N/A | *18.00% |
| Signature Loan | Up to 12 months | 13.99% |
| Up to 24 months | 13.99% | |
| Up to 36 months | 15.99% | |
| Over 36 months | 15.99% | |
| Share Secure | 1-36 months | Same as Best Auto Rate |
| 36-60 months | Same as Best Auto Rate | |
| Mobile Home Loan | 1-83 months | 18.00% |
| 84-144 months1 | 18.00% |
1 Loan amount must exceed $10,000 for this term.
*Minimum monthly payment is the greater of 2.00% of the unpaid balance or $50.00.
Mortgage and Home Loans
Make your dream home a reality with flexible mortgage rates for every type of homeowner in Southeastern Idaho and Western Wyoming.
Please contact us or visit a branch for today’s rates.
Mortgage Rates
Purchase or refinance your home with a competitive fixed, adjustable, FHA, VA, or rural development loan. For the most accurate information, please call the mortgage department at 208-232-7711 EXT 8102.
100% First-Time Homebuyer
Achieve homeownership with a 100% first-time homebuyer loan and expert guidance from your friends at Advantage Plus.
Construction Loan
Build your next real estate or construction project with competitive loan rates and local processing you can trust.
Home Equity Lines of Credit (HELOC)
Tap into your home’s equity for home improvements and only pay interest on what you use.
Mastercard® Credit Card
Enjoy competitive pricing with a full range of rewards for a personal and business MasterCard® credit card from Advantage Plus. Call or visit your local branch for current rates and reward programs.
Savings Rates
Build your financial future with flexible savings account rates and dividends from Advantage Plus.
Free Kasasa Saver®
Let your savings work for you with dividends up to 0.85% APY* on balances up to $20,000.
| Tier | Interest Rate | APY* |
|---|---|---|
| $0-$20,000 | 0.85% | *0.85% |
| $20,000+ | 0.10% | 0.23% to 0.85% |
| All balances if qualifications are not met | 0.05% | 0.05% |
Regular Share Savings
Store your money and enjoy competitive dividends with the flexible rates for our Regular Share savings account.
| Balance | Interest Rate | APY* |
|---|---|---|
| $5.00-$4,000.00 | 0.01% | 0.01% |
| $4,000+ | 0.05% | 0.05% |
Share Plus Savings
Enjoy greater dividends with flexible rates for our Share Plus savings account.
| Balance | Interest Rate | APY* |
|---|---|---|
| $25.00-$9,999.99 | 0.05% | 0.05% |
| $10,000.00-$24,999.99 | 0.05% | 0.05% |
| $25,000.00-$49,999.99 | 0.10% | 0.10% |
| $50,000.00-$99,999.99 | 0.10% | 0.10% |
| $100,000+ | 0.10% | 0.10% |
Premium Saver
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| Term | Interest Rate | APY* |
|---|---|---|
| 3 months | 1.99% | 2.00% |
Share Certificates
Set aside idle funds for a set term and earn a competitive, fixed rate.
| Term | Interest Rate | APY* |
|---|---|---|
| 3 months | 1.99% | 2.00% |
| 6 months | 3.94% | 3.50% |
| 9 months | 3.94% | 4.00% |
| 12 months | 3.94% | 4.00% |
| 18 months | 3.94% | 4.00% |
| 24 months | 3.94% | 4.00% |
| 36 months | 3.69% | 3.75% |
| 48 months | 3.69% | 3.75% |
| 60 months | 3.69% | 3.75% |
Individual Retirement Accounts (IRA)
Prepare for retirement with competitive dividend/APY rates for a traditional or Roth IRA.
| Dividend Rate | 0.05% |
| APY | 0.05% |
| Minimum Opening Balance | No minimum |
| Minimum Balance to Earn Dividends | No minimum |
| Dividends Compounded | Quarterly |
| Dividends Credited | Quarterly |
Idaho Medical Savings Account (MSA)
Save for future medical expenses and earn dividends at a flexible rate.
| Dividend Rate | 0.05% |
| APY | 0.05% |
| Deposit Amount | No minimum |
| Dividends Compounded | Quarterly |
| Dividends Credited | Quarterly |
| Single account owner: $10,000 maximum contribution/year | Joint account owner: $20,000 maximum contribution/year |
*APY: Annual Percentage Yield **APR: Annual Percentage Rate
We're Here to Give You the Advantage
Take advantage of competitive rates and personalized guidance for your financial future. Contact us today or visit your local branch to get started.