Loans
We offer a fast and easy process to help you get into your new home without hassle. Take advantage of our flexible loan terms and rates you can not afford to miss when you are looking for your next home.
Primary Residence
HELOC
Refinance
First-time Home Buyers
Lot & Land Loans
Construction Loans
NMLS#: 640508
Excellent rates and terms on a wide variety of vehicle loans for your new or pre-owned vehicles.
If you are looking to refinance your car loan, Frontier Credit Union makes it easy to switch and start saving money every single month.
Car Loans
Recreational Vehicle (RV) Loans
Powersports Loans
Marine Vehicle Loans
Select Vehicle Type
Auto Rates
| Year | APR* |
|---|---|
| 2022 & Newer | 4.99% to 11.44% |
| 2017 – 2021 | 6.30% to 13.86% |
| 2009 – 2016 | 7.84% to 10.76% |
Rates effective as of 11/20/2025
RV Rates
| Year | APR* |
|---|---|
| 2025 & Newer | 8.44% to 11.64% |
| 2021 – 2024 | 11.24% to 12.74% |
| 2016 – 2020 | 11.94% to 14.34% |
Rates effective as of 5/1/2025
Powersports Rates
| Year | APR* |
|---|---|
| 2025 & Newer | 6.99% to 15.29% |
| 2021 – 2024 | 7.69% to 16.29% |
| 2016 – 2020 | 9.89% to 16.65% |
Rates effective as of 11/18/2025
Marine Rates
| Year | APR* |
|---|---|
| 2024 & Newer | 8.44% to 11.64% |
| 2020 – 2023 | 11.24% to 12.74% |
| 2015 – 2019 | 11.94% to 14.34% |
Rates effective as of 5/1/2025
These VISA® credit card services offer convenience, security, and service. With this credit card, you won’t have to worry about annual, cash advance or ATM fees.
Purchase online or in a store, build credit history, or re-establish credit.
CEI VISA® Spirit Credit Card
VISA® Classic Credit Card
VISA® Signature Credit Card
Select Credit Card Type
Not sure which card is right for you?
College of Eastern Idaho VISA® Spirit Credit Card
| APR* |
|---|
| 11.25% to 18% |
Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of 5/15/2026
VISA® Classic Rates
| APR* |
|---|
| 11.25% to 18% |
Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of 5/15/2026
VISA® Signature Rates
| APR* |
|---|
| 13.75% to 18% |
Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of 5/15/2026
A Home Equity Line of Credit (HELOC) is a loan set up as a line of credit for a maximum draw, rather than using a fixed dollar amount like a mortgage.
Borrow against the available equity in your home and the house is used as collateral for the line of credit.
NMLS#: 640508
HELOC Rates
| Term | APR* |
|---|---|
| Up to 25 Years | As low as Prime minus 0.25% |
Rates are determined off Wall Street Journal Prime Plus Margin. The interest rate can change with the Wall Street Journal Prime Rate on the first business day of the calendar month following a change in the Prime Rate. *APR=Annual Percentage Rate. The Annual Percentage Rate will not exceed 18.00%. Approved rates are based on creditworthiness. We will use the most recent index available to us as of the 1st business day of the month prior to a rate change. $20,000 minimum, $300,000 maximum line of credit. Early payoff (less than 3 years) requires $500 finance charge. Adequate Property insurance must be maintained. Appraisal fees may be passed on to the borrower.
Signature loans are approved on a member’s signature and do not require a form of collateral for approval.
If you need the money quick, signature loans are the best way to go for you.
Signature Loan Rates
| Term | APR* |
|---|---|
| Up to 60 Months | 12.29% to 17.99% |
Rates effective as of 5/1/2025
Line of credit loans have a revolving line of credit with added checking account protection for your convenience.
If you are looking for a way to further your credit while having access to money when you need it, a line of credit loan is for you.
Share secured loans use funds that are in your savings account to secure the loan while they still continue to earn dividends.
For those of you out there that are looking to start earning credit, a Share Secured Loan is a great way to start.
Share Secured Rates
| Term | APR* |
|---|---|
| Up to 60 Months | 3.00% over share rate |
Rates effective as of 5/1/2025
A Business Term Loan is perfect for your business if you are ready to expand or make some improvements along the way.
Term Loans
Line of Credit
VISA® Credit Cards
Real Estate Loans
Construction Loans
Growing your business is a top priority. We make accessing all of your accounts quick and easy so you can stay focused on your bottom line with these additional services.
Merchant Services
Payroll Services
HR Services
