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Rates

Save more on your loans, earn more on your savings.



Share Certificates2 APY1
3 Months 1.25%
6 Months 4.80%
12 Months 4.75%
18 Months 4.70%
24 Months 4.00%
36 Months 3.75%
48 Months 3.65%
60 Months 3.55%


Savings3 APY1
Regular Savings 0.05%
Idaho Medical Savings 0.05%

Money Market2 APY1
$500.00 - $24,999.99 0.45 %
$25,000.00 - $99,999.99 0.55%
$100,000.00 - $249,999.99 1.25%
$250,000.00 - $499,999.99  1.55%
$500,000.000+ 1.45%

Ascend Money Market Bump4 APY1
$500.00 - $24,999.99 0.65%
$25,000.00 - $99,999.99 0.75%
$100,000.00 - $249,999.99 1.45%
$250,000.00 - $499,999.99  1.55% 
$500,000.000+ 1.65%
 

IRA Accounts3 APY1
$35.00 - $9,999.99 0.05%
$10,000.00 - $99,999.99 0.05%
$100,000.00+ 0.05%


IRA Certificates2 APY1
3 Months 1.25%
6 Months 4.80%
12 Months 4.75%
18 Months 4.70%
24 Months 4.00%
36 Months 3.75%
48 Months 3.65%
60 Months 3.55%


Ascend Checking5 APY1
$0.00 - $15,000 3.50%
$15,000.01 0.21-3.50%

Your Ascend Checking can qualify for dividends if you meet these requirements each month: 

  • enroll in eStatements
  • make at least 20 debit card purchases
  • have at least one monthly direct deposit greater than $250 
If you don't meet these requirements each month, your account is still free. 
 

Business Savings APY1
$35.00-$100,000.00 0.05%

Business Non-Profit Checking
APY1
$0.00 + 0.15%

Business No Fee Checking
APY1
Not qualified to earn dividends on any dollar amount 0.00%

Premium Business Checking6 APY1
$0.00 - $999.99 0.00%
$1000.00 - $25,000 0.15%
$25,000.01+ 0.20%

Business Money Market Account2 APY1
$500.00 - $24,999.99 0.45%
$25,000.00 - $99,999.99 0.55%
$100,000.00 - $249,999.99 1.25%
$250,000.00 - $499,999.99  1.35%
$500,000.000 + 1.45%






Timely financing and low rates, what are you waiting for? 

Auto Loan Rates

Term APR8
60 Month Term rates as low as 6.99%
72 Month Term rates as low as 7.24%
Used Vehicles: Rates increase for vehicles over 100,000 miles or more than 6 years old.
Terms available up to 96 months.
 
 
Effective 03/28/2024

Recreational Vehicle Rates
Recreational Vehicles include boats, travel trailers, 5th wheels, motor homes and campers. 
Term APR9
60 Month Term rates as low as 8.54%
144 Month Term rates as low as 8.79%
180 Month Term rates as low as 8.79%
Used Vehicle:To qualify for this LTV collateral must be 7 years old or newer.
Terms available up to 180 months.

Powersport Rates

Powersports include motorcycles, ATV's, UTV's, snowmobiles, jet skis, and utility trailers. Jet skis require a trailer on the contract with P1FCU listed as a lienholder.
Term APR9
60 Month Term rates as low as 8.54%
72 Month Term rates as low as 9.49%
Used Vehicle: To qualify for this LTV collateral must be 9 years old or newer.
Terms available up to 84 months.
 
 
Effective 02/26/2024


Term APR10
60 Month Term rates as low as 10.99%

 
Effective 11/15/2023




















1 APY - Annual Percentage Yield. Rates and terms subject to change without notice. Fees may reduce earnings. Rates effective 3/14/2024.
2 Minimum balance requirements: The balance required to open this account is $500.00. You must maintain a minimum average daily balance of $500.00 in your account to obtain the disclosed annual percentage yield. Early withdrawal penalties may apply (a penalty may be imposed for withdrawals before maturity).
3 Minimum balance requirements: The balance required to open this account is $35.00. You must maintain a minimum average daily balance of $35.00 in your account to obtain the disclosed annual percentage yield.
4 To qualify for the Money Market Account Qualifying Bump Rate, you must have an Ascend Checking account linked to the Money Market account, and you must meet the Ascend Checking account dividend qualifications each month. For each month you meet the Ascend Checking account dividend qualifications, you will qualify for the Money Market Account Qualifying Bump Rate. The three-monthly dividend qualifications for the Ascend Checking account are: 1) Enrollment in eStatements 2) A minimum of 20 posted debit card transactions per month (ATM transactions excluded) and 3) A monthly direct deposit of over $250.  If the Ascend Checking dividend qualifications are not met, the Money Market will default to the standard Money Market Account Non-Qualifying Rate. Only one Money Market account may be linked to an Ascend Checking account at any time. The Money Market Account Qualifying Bump Rate will be applied to the Money Market account with the earliest opening date. If there are multiple Money Market accounts, you may select which Money Market account to apply the Qualifying Bump Rate at account opening or by reaching out to us at 800.843.7128.  Future changes of your selection can be made in branch or by reaching out to us at 800.843.7128. The dividend rate and annual percentage yield may change at any time. We may change the dividend rate for your account as determined by the credit union board of directors. 
5 APY=Annual Percentage Yield. Qualifiers to earn interest on Ascend Checking must be enrolled in eStatements with a valid email and have a minimum of 20 posted debit card transactions on your Ascend Checking account, excluding transactions at the ATMs and one monthly direct deposit of more than $250. Requirements are calculated for each month. If the account requirements are not met, the rate will be 0.00% APY. No minimum balance is required to earn APY. Fees may reduce earnings. APY accurate as of 03/01/23.
6 Dividends paid when a balance of $1,000 is maintained. No fee is accrued if balance falls below $1000. Special dividends apply to balances $25,000.01+.
8 APR is Annual Percentage Rate. Payment Example – New or Used Auto Loan of $30,000 for 60 months at 6.99% APR will have a monthly payment of $593.89. All loans are subject to P1FCU membership, credit approval and other underwriting criteria. Rates are based on creditworthiness and other factors, and may be higher than the lowest rate advertised. Loan program rates, terms, and conditions are subject to change without notice.
9 APR is Annual Percentage Rate. Payment Example – New or Used Powersports of $30,000 for 72 months at 9.49% APR will have a monthly payment of $548.09. New or Used Recreational Vehicle of $30,000 for 180 months at 8.79% APR will have a monthly payment of $300.54. All loans are subject to P1FCU membership, credit approval and other underwriting criteria. Rates are based on creditworthiness and other factors, and may be higher than the lowest rate advertised. Loan program rates, terms, and conditions are subject to change without notice.
10 APR is Annual Percentage Rate. Payment Example – Personal loan of $10,000 for 60 months at 10.99% APR will have a monthly payment of $217.37. All loans are subject to P1FCU membership, credit approval and other underwriting criteria. Rates are based on creditworthiness and other factors, and may be higher than the lowest rate advertised. Loan program rates, terms, and conditions are subject to change without notice.