Deposit Rates

Velocity Checking Rates*

With qualifying loan or Certificate

Average Daily Balance Tiers APY*
First $10,000 ($0.00-$10,000.00) 2.02%
Everything over $10,000 0.50%

Rates effective as of 10/1/2022

Without qualifying loan or Certificate

Average Daily Balance Tiers APY*
First $10,000 ($0.00-$10,000.00) 2.02%
Everything over $10,000 0.20%

Rates effective as of 10/1/2022

Here’s an example of how much you could earn with a total average balance of $75,000 and you meet the basic criteria & have a qualifying loan or Certificate:

Tiered Balance APY* Annual Interest
$10,000 @ 2.02% = $202
$65,000 @ 0.50% = $325
Total Earned
$527

*Earn 2.02% APY1 on your average2 balance up to $10,000 when you: Enroll in Online Banking and e-statements, have ACH deposits of at least $2,000.003 per month, and have at least 11 posted4 debit and/or credit card transactions per month. Additionally, earn 0.50% APY on average balances greater than $10,000 when you have a qualifying loan or Certificate5 or 0.20% APY on balances greater than $10,000 when you do not have a qualifying loan or Certificate. If you don’t meet the qualification requirements you will earn 0.05% APY on your average balance.

1 APY = Annual Percentage Yield. Your interest rate and annual percentage yield are subject to change at our discretion and pursuant to applicable law. All applicants must meet Frontier Credit Union membership and account opening requirements.
2 Interest earned based on average daily balance.
3 ACH deposits must be in the same account.
4 Posted transactions cleared by the end of the account statement cycle. Debit card transactions will only count if made from the Velocity Checking share.
5 The term “qualifying loan” is defined as an open loan with a month-end balance, but excluding Personal Lines of Credit. The term “Certificate” is defined as a Certificate of Deposit.

Special CD Rates

For a limited time, take advantage of the following special rates when you open a new CD in branch:

Term Rate APY*
5 Months
Bump-up / Add-on / New Money Only
5.46% 5.55%
11 Months
Bump-up / Add-on
4.55% 4.65%
15 Months
Bump-up / Add-on
4.25% 4.33%
23 Months
Bump-up / Add-on
3.28% 3.33%
33 Months 2.77% 2.80%
45 Months 2.77% 2.80%

Bump-up option is only available at the request of the member if the rate exceeds their current certificate interest rate, up to .50 basis points, and will only effect rate of dividends that have not been paid out.
Members may only add additional funds up to 2 times.

Standard CD Rates

Term Rate APY*
6 Months 1.00% 1.00%
1 Year 1.25% 1.26%
2 Years 1.75% 1.76%
3 Years 2.25% 2.27%
4 Years 2.10% 2.12%
5 Years 2.00% 2.02%

*APY = Annual Percentage Yield. Effective as of 11/20/2023. Frontier Credit Union reserves the right to end, alter, or otherwise adjust this promotional offer at any time and at its discretion. View Rate & Fee Schedule.

Velocity Money Market Rates*

Average Daily Balance Tiers APY*
First $50,000 ($0-$50,000) 0.20%
Next $25,000 ($50,000-$75,000) 0.50%
Next $25,000 ($75,000-$100,000) 1.00%
Next $50,000 ($100,000-$150,000) 1.51%
Everything over $150,000 2.02%

Rates effective as of 10/1/2022

Here’s an example of how much you could earn with a total balance of $185,000:

Tiered Balance APY* Annual Interest
$50,000 @ 0.20% = $100
$25,000 @ 0.50% = $125
$25,000 @ 1.00% = $250
$50,000 @ 1.51% = $755
$35,000 @ 2.02% = $707
Total Earned
$1,937

*Tier 1- Your daily balance in tier 1 ($0.00 up to $49,999.99) will earn an interest rate of 0.20% and an APY of 0.20%. Tier 2- Your daily balance in tier 2 ($50,000.00 up to $74,999.99) will earn an interest rate of 0.50% with a 0.50% APY. Tier 3- Your daily balance in tier 3 ($75,000.00 up to $99,999.99) will earn an interest rate of 1.00% with a 1.00% APY. Tier 4- Your daily balance in tier 4 ($100,000.00 up to $149,999.99) will earn an interest rate of 1.50% with a 1.51% APY. Tier 5- Your daily balance in tier 5 ($150,000.00 or more) will earn an interest rate of 2.00% with a 2.02% APY. Your interest rate and annual percentage yield are subject to change. At our discretion, we may change the interest rate on your account. All applicants must meet Frontier Credit Union account opening requirements. Some restrictions may apply.

Money Market Rates

Balance APY* Rate
$0–$2,500 0.05% 0.05%
$2,500–$20,000 0.10% 0.10%
$20,000–$75,000 0.15% 0.15%
$75,000+ 0.20% 0.20%

Rates effective as of January 6th, 2022

Classic Savings Rates

APY* Interest Rate
0.05% 0.05%

Rates effective as of January 6th, 2022

IRA Rates

APY* Interest Rate
0.05% 0.05%

Rates effective as of January 6th, 2022

Pickle Jar Rates

APY* Interest Rate
0.10% 0.10%

Rates effective as of January 6th, 2022

Loan Rates

Mortgage Rates

Contact Us for Rates

Call us directly at: 208-535-2833
Send a text message to: 208-516-2317

Monday – Friday: 7:30am – 8:00pm
Saturday: 9:00am – 5:00pm

HELOC Rates

Term APR*
Up to 25 Years As low as Prime minus 0.20%

Rates are determined off Wall Street Journal Prime Plus Margin. The interest rate can change with the Wall Street Journal Prime Rate or quarterly, effective by month end of the first month of each quarter, 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, $250,000 maximum line of credit. Early payoff (less than 3 years) requires $300 finance charge. Adequate Property insurance must be maintained. Appraisal fees may be passed on to the borrower.

Auto Rates

Year APR*
2018 & Newer 8.84% to 17.59%
2017 – 2012 10.57% to 17.99%
2011 & Older 12.27% to 17.99%

Rates effective as of 12/1/2023

RV Rates

Year APR*
2019 & Newer 10.34% to 17.99%
2018 – 2014 11.99% to 17.99%
2013 & Older 12.24% to 15.89%

Rates effective as of 12/1/2023

Powersports Rates

Year APR*
2019 & Newer 9.54% to 18.00%
2018 – 2016 10.94% to 18.00%
2015 – 2011 11.94% to 18.00%
2010 & Older 14.24% to 18.00%

Rates effective as of 12/1/2023

Motorcycle Rates

Year APR*
Any 8.59% to 18.00%

Rates effective as of 12/1/2023

Marine Rates

Year APR*
2019 & Newer 10.34% to 17.99%
2018 – 2014 11.99% to 17.99%
2013 & Older 12.24% to 15.89%

Rates effective as of 12/1/2023

VISA® Classic Rates

APR*
13.00% to 18.00%

Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of 12/1/2023

VISA® Signature Rates

APR*
15.5% to 18.00%

Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of 12/1/2023

Signature Loan Rates

Term APR*
Up to 60 Months 12.29% to 17.99%

Rates effective as of 12/1/2023

Line of Credit Rates

APR*
18.00%

Rates effective as of 12/1/2023

Share Secured Rates

Term APR*
Up to 60 Months 3.00% over share rate

Rates effective as of 12/1/2023

Energy Defense Rates

Term APR*
Up to 7 Years 9.90% to 14.25%

*APR=Annual Percentage Rate. Energy Defense APR ranges between 5.90% to 10.25%. $500 Minimum, $32,000 Maximum. Rates, terms, and conditions based on creditworthiness, qualifications, loan amounts, and verifiable gross household income. All loans subject to approval. Improvements must be for homeowner’s primary residence. Loan proceeds directly payable to the installers and retailers of weatherization activities and products. Loan use is for weatherization and/or energy efficiency purposes only, including purchasing approved appliances. Primary Residence Mortgage Loan must be current. Frontier Credit Union is an Equal Opportunity Lender. Rate effective as of 12/1/2023.

Features/Benefits
Feature Benefit
Eligibility Primary Residence
Applicant must be employed or be receiving qualifying fixed income at the time the loan is funded
Must be located in Idaho
Must be current on primary mortgage
Manufactured Homes are eligible only if on a foundation
Terms Up to 84 Months (7 years)
Payments will be principal and interest payments
Credit Score required to determine qualified interest rate
Fixed Interest Rates
Loan to Value Maximum loan amount and term will be determined by gross household income
Loan Amounts Minimum of $500
Maximum of $32,000
Fees No Origination Fee
No Annual Fee
Credit Advances All funds are advanced up front and paid directly to the contractor (in most cases)
Uses Energy Efficient Home Improvements including but not limited to;
Energy Efficient Windows and Doors
Insulation replacement or augmentation
Weather stripping and other energy efficient materials
Energy efficient water heaters, heat pumps/furnaces
Pellet and wood stove additions or replacements
Roof replacements

Business Deposit Rates

Special Business CD Rates

For a limited time, take advantage of the following special rates when you open a new CD in branch:

Term Rate APY*
5 Months
Bump-up / Add-on
5.46% 5.55%
11 Months
Bump-up / Add-on
4.55% 4.65%
15 Months
Bump-up / Add-on
4.25% 4.33%
23 Months
Bump-up / Add-on
3.28% 3.33%
33 Months 2.77% 2.80%
45 Months 2.77% 2.80%

Bump-up option is only available at the request of the member if the rate exceeds their current certificate interest rate, up to .50 basis points, and will only effect rate of dividends that have not been paid out. Members may only add additional funds up to 2 times.

Standard Business CD Rates

Term Rate APY*
6 Months 1.00% 1.00%
1 Year 1.25% 1.26%
2 Years 1.75% 1.76%
3 Years 2.25% 2.27%
4 Years 2.10% 2.12%
5 Years 2.00% 2.02%

*APY = Annual Percentage Yield. Effective as of 11/20/2023. Frontier Credit Union reserves the right to end, alter, or otherwise adjust this promotional offer at any time and at its discretion. View Rate & Fee Schedule.

Business Velocity Money Market Rates*

Balance Tiers APY*
First $50,000 ($0-$50,000) 0.20%
Next $25,000 ($50,000-$75,000) 0.50%
Next $25,000 ($75,000-$100,000) 1.00%
Next $50,000 ($100,000-$150,000) 1.51%
Everything over $150,000 2.02%

Rates effective as of 10/1/2022

Here’s an example of how much you could earn with a total balance of $185,000:

Tiered Balance APY* Annual Interest
$50,000 @ 0.20% = $100
$25,000 @ 0.50% = $125
$25,000 @ 1.00% = $250
$50,000 @ 1.51% = $756
$35,000 @ 2.02% = $707
Total Earned
$1,937

Tier 1- Your daily balance in tier 1 ($0.00 up to $49,999.99) will earn an interest rate of 0.20% and an APY of 0.20%. Tier 2- Your daily balance in tier 2 ($50,000.00 up to $74,999.99) will earn an interest rate of 0.50% with a 0.50% APY. Tier 3- Your daily balance in tier 3 ($75,000.00 up to $99,999.99) will earn an interest rate of 1.00% with a 1.00% APY. Tier 4- Your daily balance in tier 4 ($100,000.00 up to $149,999.99) will earn an interest rate of 1.50% with a 1.51% APY. Tier 5- Your daily balance in tier 5 ($150,000.00 or more) will earn an interest rate of 2.00% with a 2.02% APY. Your interest rate and annual percentage yield are subject to change. At our discretion, we may change the interest rate on your account. All applicants must meet Frontier Credit Union account opening requirements. Some restrictions may apply.

Business Money Market Rates

Balance APY* Interest Rate
$0.00 – $9,999.99 0.05% 0.05%
$10,000 – $24,999.99 0.10% 0.10%
$25,000 – $49,999.99 0.15% 0.15%
$50,000 – $99,999.99 0.20% 0.20%
$100,000 and Up 0.25% 0.25%

Rates effective as of June 28th, 2021

Business Savings Rates

APY* Interest Rate
0.05% 0.05%

Rates effective as of June 28th, 2021

Business Checking Plus Rates

Balance APY* Interest Rate
$0.00 – $9,999.99 0.00% 0.00%
$10,000 – $99,999.99 0.10% 0.10%
$100,000 and Up 0.25% 0.25%

Rates effective as of June 28th, 2021

Business Loan Rates

Business Auto Rates

APR*
10.34% to 15.44%

If collateral is 8+ years old, add an additional 0.50% qualifying rate
*APR=Annual Percentage Rate.
Rates effective as of December 1st, 2023

Business Equipment Rates

APR*
10.99% to 17.99%

If collateral is 8+ years old, add an additional 0.50% qualifying rate
*APR=Annual Percentage Rate.
Rates effective as of December 1st, 2023

Business Term Rates

APR*
14.49% to 17.99%

*APR=Annual Percentage Rate.
Rates effective as of December 1st, 2023

Business Line of Credit Rates

Secured APR*
15.50% to 17.99%
Unsecured APR*
17.50% to 17.99%

Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of December 1st, 2023

Business VISA® Rates

APR*
16.50% to 17.99%

Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of December 1st, 2023