Idaho Central Credit Union

Headquarters

4400 Central Way
Chubbuck, ID 83202
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	3.75%	5.50% →
1-Year CD	0.70%	4.65% →
2-Year CD	0.90%	4.25% →
5-Year CD	1.10%	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

Idaho Central is an NCUA insured institution located in Chubbuck, ID. It was founded in 1940 and has approximately $11454.75 millions in assets.

Who can join?

• All employees, employers, students, and retirees of certain industries as defined in the North American Industry Classification System and outlined in Idaho Central Credit Union's Bylaws who reside in, work in, are headquartered in or paid from Ada, Adams, Bannock, Bear Lake, Bingham, Blaine, Boise, Bonneville, Butte, Camas, Canyon, Caribou, Cassia, Clark, Custer, Elmore, Franklin, Fremont, Gem, Gooding, Jefferson, Jerome, Lemhi, Lincoln, Madison, Minidoka, Oneida, Owyhee, Payette, Power, Teton, Twin Falls, Valley, and Washington Counties.
• Persons in the employ or retirees of the State of Idaho, other public employees within the State of Idaho, or retirees of the same, and members of credit unions located in the State of Idaho.
• Persons employed in any division, subsidiary, or branch of the Micron Corporation and retirees of the same.
• Persons who were members and remain members of this Credit Union at the time this field of membership was approved; small groups that were approved prior to the time this field of membership was approved; persons in the field of membership of credit unions merged into Idaho Central and those credit unions' fields of membership.
• Persons who reside in, work in, attend school in, or are paid in Jackpot, Nevada.
• The Idaho Credit Union League, its employees, and its chapters.
• Family members of eligible members of this Credit Union.
• Employees of the Credit Union and credit unions with offices in the State of Idaho.


NCUA Insured	Yes / State-Chartered
Charter Number #	# 63194
Date Established	1940
Assets	$11,454.75 million
Loans	$9,913.34 million
Deposits	$9,893.01 million
Capital	$987.65 million

Field of Membership Restrictions

Membership in Idaho Central Credit Union is open to the following: (1) all employees, employers, students and retirees of specific industries who live or work in Ada, Adams, Bannock, Bear Lake, Bingham, Blaine, Boise, Bonneville, Butte, Camas, Canyon, Caribou, Cassia, Clark, Custer, Elmore, Franklin, Gem, Fremont, Gooding, Jefferson, Jerome, Kootenai, Lemhi, Lincoln, Madison, Oneida, Minidoka, Owyhee, Payette, Power, Shoshone, Teton, Twin Falls, Valley, or Washington Counties in Idaho; (2) employees and retirees of the State of Idaho or other public employees or retirees in the state of Idaho; (3) members of credit unions located in the State of Idaho; (4) employees and retirees of Micron Corporation and its subsidiaries and divisions; (5) those who live, work, or attend school in Jackpot, Nevada; (6) employees of The Idaho Credit Union League and its chapters; (7) family members of anyone eligible.

Deposit Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
High-Yield Online Savings	3.75%	$1,000	-	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
1 Year CD	0.70%	$500	-	Learn More Reviews
18 Month CD	0.80%	$500	-	Learn More Reviews
2 Year CD	0.90%	$500	-	Learn More Reviews
5 Year CD	1.10%	$500	-	Learn More Reviews

Loan Rates - December 21, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Idaho Central

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1835285	6.494%	6.375%	0.75	$4,000	$1,997	Learn More
NMLS ID: 1025894	6.863%	6.750%	1.00	$3,705	$2,076	Learn More
NMLS ID: 2592312 License#: RM.805266.000	6.879%	6.750%	1.00	$4,432	$2,076	Learn More
NMLS ID: 401822	7.034%	6.875%	1.00	$5,195	$2,103	Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

Note to Idaho Central
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Idaho Central branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Idaho Central Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Post Falls	80.97	A	View Lobby Hours
Hitt Road	87.00	B	View Lobby Hours
Caldwell	321.41	C	View Lobby Hours
Pocatello	1019.82	D	View Lobby Hours
Sunnyside	1556.30	E	View Lobby Hours
Broadway	1558.97	F	View Lobby Hours
Blackfoot	1571.91	G	View Lobby Hours
Benton	1573.25	H	View Lobby Hours
Member Service Center	1574.96	I	View Lobby Hours
Parkcenter	1776.03	J	View Lobby Hours
Main Office	1777.39	K	View Lobby Hours
Downtown	1777.55	L	View Lobby Hours
LBJ	1777.63	M	View Lobby Hours
Overland	1780.87	N	View Lobby Hours
Pierce Park	1781.71	O	View Lobby Hours
Fairview	1783.98	P	View Lobby Hours
Mountain View	1786.17	Q	View Lobby Hours
Mountain View High School	1786.22	R	View Lobby Hours
Cherry Lane	1789.95	S	View Lobby Hours
Southside	1794.46	T	View Lobby Hours
Nampa	1796.85	U	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

IDAHO CENTRAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Idaho Central Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Idaho Central. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Idaho Central	U.S. Average
3.40%	5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Idaho Central had $34,376,517 in non-current loans and $252,426 in owned assets. To cover these potential losses it had $987,646,798 in net worth and $29,466,452 in loans loss reserves. That gives it a Texas Ratio of 3.40%.

Net Worth

Idaho Central	U.S. Average
8.62%	13.93%

Idaho Central FCU has a net worth of 8.62% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Idaho Central

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