Q2 2026 call reports
Credit union loan rates in Idaho
Idaho credit unions reported a median new auto loan rate of 5.47% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Clarity Credit Union reported the lowest, 3.74%.
These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| Loan | Idaho median | US median |
|---|---|---|
| New auto | 5.47% | 5.46% |
| Used auto | 6.51% | 6.32% |
| Credit card | 11.99% | 11.50% |
| Personal | 11.82% | 11.75% |
| Mortgage | 5.82% | 5.75% |
| Home equity | 7.14% | 6.75% |
Lowest credit card rate reported in Idaho: Latah Credit Union, 8.50%. Lowest first mortgage rate: Lookout Federal Credit Union, 3.38%. (Same size rules as the national rankings.)
Every Idaho credit union's reported rates
All 26 Idaho credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.
| Credit union | New auto | Used auto | Credit card | Personal | Mortgage | Home equity |
|---|---|---|---|---|---|---|
| Idaho Central Credit Union | 6.23% | 6.96% | 14.20% | 9.84% | 5.11% | 7.36% |
| Potlatch No. 1 Financial Credit Union | 4.97% | 5.67% | 12.00% | 11.34% | 4.27% | 7.29% |
| Westmark Credit Union | 8.33% | 7.71% | 12.77% | 14.04% | 6.25% | 6.62% |
| Capital Educators Federal Credit Union | 5.09% | 6.09% | 18.00% | 12.20% | 6.63% | 7.25% |
| Frontier Credit Union | 6.15% | 7.26% | 12.32% | 13.85% | 5.99% | 7.03% |
| Pioneer Federal Credit Union | 5.84% | 5.84% | 11.99% | 12.19% | 6.00% | 7.00% |
| Freedom Northwest Credit Union | 5.89% | 8.12% | 12.78% | 9.26% | 7.27% | 7.94% |
| Beehive Federal Credit Union | 5.84% | 5.94% | 8.90% | 12.00% | 5.62% | 6.75% |
| Trugrocer Federal Credit Union | 4.53% | 5.28% | 16.99% | 11.57% | 4.04% | 7.38% |
| Lookout Federal Credit Union | 8.16% | 10.32% | 17.25% | 15.00% | 3.38% | 7.14% |
| Advantage Plus Federal Credit Union | 4.99% | 6.49% | 11.99% | 18.00% | 6.60% | 6.75% |
| Cottonwood Community Federal Credit Union | 4.75% | 4.75% | – | 11.75% | 7.00% | 8.50% |
| Lewis Clark Credit Union | 5.28% | 6.26% | 11.28% | 11.71% | 6.87% | 7.80% |
| Connections Credit Union | 6.50% | 6.50% | 12.75% | 14.50% | 7.00% | 8.00% |
| Clarity Credit Union | 3.74% | 3.74% | 9.90% | 10.00% | 6.50% | 7.50% |
| Latah Credit Union | 5.37% | 11.34% | 8.50% | 15.99% | 4.95% | 6.31% |
| Northwest Christian Credit Union | 4.60% | 5.26% | – | 11.37% | 4.72% | 6.20% |
| Rails West Federal Credit Union | 4.94% | 6.62% | 9.92% | 13.13% | 4.15% | 5.96% |
| Idaho United Credit Union | 5.97% | 6.52% | 10.95% | 10.91% | 5.89% | 6.88% |
| Members Preferred Credit Union | 6.06% | 9.55% | 10.44% | 11.23% | 4.26% | 6.98% |
| Simplot Credit Union | 5.44% | 8.87% | 9.99% | 12.91% | 3.79% | 10.22% |
| Sei Federal Credit Union | 6.80% | 10.03% | – | 12.07% | 4.80% | 5.89% |
| St Joe Valley Credit Union | 5.50% | 6.70% | – | 10.50% | 5.82% | 7.75% |
| Snake River Federal Credit Union | 4.39% | 6.67% | 11.00% | 11.51% | – | – |
| Boise Fire Department Credit Union | 5.25% | 5.25% | – | 7.25% | – | – |
| Mini-Cassia Empl. Credit Union | 5.90% | 5.90% | – | 11.90% | – | – |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All Idaho credit unions · Lowest rates nationally