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4400 Central Way
Chubbuck, ID 83202

Idaho Central Credit Union is headquartered in Chubbuck and is the largest credit union in the state of Idaho. It is also the 114st largest credit union in the nation. It was established in 1940 and as of March of 2014, it had grown to 451 employees and 159,459 members. Idaho Central Credit Union's CD rates are 11% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

Must work in the State of Idaho or other public employees within the State of Idaho. Also open to those who live or work in Jackpot, Nevada. - See Details

Related Posts

Idaho Central Credit Union Offers 4 Promo CDs and 2 Online CDs - 7/30/2014

Idaho Central Credit Union continues a trend of competitive rates with 4 Promotional CDs and 2 Online CDs. Most residents of Idaho are eligible for membership.

Reviews (2)

Using Major Bank Practices

Is Idaho Central Credit Union a non-profit credit union or a major bank?

For years I've belonged to two other credit unions. Recently joining ICCU for the mear convenience of it. They're right down the street. I'm slowly moving my other credit union accounts to this new one at ICCU.

Last month I split my once a month retirement check into the 3 credit unions. For the moment, the ICCU account is mainly used to cover my mortgage. Which is due on the 1st. That is also when my Federal Paycheck are supposed to be posted.

My retirement paycheck shows up at my other two (my orginal) credit union accounts two business days before the 1st. Always have. And is available to use.  If the 1st comes on a Monday, those funds show up in my account on the Thursday before. If there is a holiday on Monday, and the 1st is on Tuesday, those funds are deposited and available once again on the Thursday before.

NOT AT ICCU! They will not allow access to the funds until the "POST" date on Monday. As I recall this is the reason I moved from those major banks decades ago.

This weekend is a case in point. It's December 2012. The 1st falls on Saturday. Friday Nov 30, I walked into the branch and talked to a future "Sepford Wife" behind the counter and asked why do my other credit unions have the funds available Thursday Nov 29th while ICCU doesn't?

And worst, since December 1st falls on a Saturday, it won't show up in my account until Monday the 3rd. That's 5 days!  To add insult to mortgage is still due on the 1st. If not paid, it will show up as LATE.

Banks have been doing this old trick for a hundred years. They're allowed to loan 4 times that deposit amount on hold and in turn make interest on it.  A couple of days doesn't seem like much, but it millions! 

Simply, while that deposit is on "hold", they're making money on it.  And any overdrafts that may happen while those funds are on "hold" will  be  charged  to  you.   

Is ICCU a non-profit credit union owned by the customers?

WOW. I'm reconsidering my options now. 

When questioning a new credit union, ask detailed questions..........  If they give you an answer that has "POST DATE" in it, 

Privacy Violation

I have had several vehicle loans through ICCU and really enjoyed the service. Until yesterday when an employee at the Nampa branch released my personal information (date of payment due and date of payment made) to someone who is NOT on my account nor related or married to me. I immediately called the manager with my panicked concern. She assured me it would be handled promptly. The employee was merely reprimanded and then today again spoke with this person regarding my account. The manager tried to assure me that my privacy is very respected. My answer? "Clearly!" I am very disturbed by not only the marked lack of privacy but also their lack of concern in properly dealing with this employee who would be better suited to working in the food service industry than in any career related to privacy. Very disappointed in the Nampa ICCU.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Idaho Central Credit Union had $3.44 million in non-current loans and owned real-estate with $147.55 million in equity and loan loss allowances on hand to cover it. This gives Idaho Central Credit Union a Texas Ratio of 2.33% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Idaho Central Credit Union experienced no significant changes from 2.55% as of March 31, 2013 to 2.33% as of March 31, 2014, resulting in a positive change of 8.48%.This indicates that the balance sheet and financial strength for Idaho Central Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Idaho Central Credit Union has increased its total deposits by $249.91 million, resulting in 21.05% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Idaho Central Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Idaho Central Credit Union has $1.61 billion in assets with $147.55 million in equity, resulting in a capitalization level of 9.15%, which is average.

Institution Statistics

NCUA #63194
Year Chartered1940
Primary Regulator
Assets and Liabilities
Assets$1.61 billion
Loans$1.38 billion
Deposits$1.44 billion
Equity Capital$142.26 million
Loan Loss Allowance$5.29 million
Unbacked Noncurrent Loans$3.44 million
Real Estate Owned$0
Historic Data - March 2013
Assets$1.35 billion
Equity Capital$120.83 million
Loan Loss Allowance$5.38 million
Unbacked Noncurrent Loans$3.44 million
Real Estate Owned$51,000
Profit Margin - Quarterly
Net Interest Margin0.82%
Return on Assets0.83%
Return on Equity9.41%
Interest Income$11.45 million
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Idaho Central Credit Union Savings Account Rates

0.45%$25k-Health Savings Account
0.20%$1,500-Choice Savings
0.15%$1,500-Youth Savings
0.15%$300-IRA Share Savings
0.10%$300-Share Savings
0.10%$300-Business Savings
0.10%--Central Cents Savings

Idaho Central Credit Union Money Market Rates

0.45%$100k-IRA Money Market Savings
0.45%$100k-Business Premium Money Market Savings
0.35%$100k-Premium Money Market Savings
0.30%$50k-Business Money Market Checking
0.20%$100k-Money Market Checking
0.20%$100k-Money Market Savings
0.20%$100k-Business Money Market Savings

Idaho Central Credit Union CD Rates

2.00%$500-4 Year Promo CD
2.00%$500-Business 4 Year Promo CD
1.50%$500-21 Month CD Promo
1.50%$500-Business 21 Month CD Promo
1.31%$500-2 Year Online CD
1.25%$500-13 Month CD Promo
1.25%$500-Business 13 Month CD Promo
1.15%$500-5 Year CD
1.15%$500-Business 5 Year CD
1.00%$500-4 Year CD
1.00%$500-Business 4 Year CD
1.00%$500-1 Year Online CD
0.80%$500-3 Year CD
0.80%$500-Business 3 Year CD
0.75%$500-9 Month CD Promo
0.75%$500-Business 9 Month CD Promo
0.60%$500-1 Year CD - New Generation Account
0.40%$500-2 Year CD
0.40%$500-Business 2 Year CD
0.35%$500-1 Year CD
0.35%$500-18 Month CD
0.35%$500-Business 1 Year CD
0.35%$500-Business 18 Month CD
0.20%$500-180 Days CD
0.20%$500-Business 180 Days CD
0.05%$500-90 Days CD
0.05%$500-Business 90 Days CD

Idaho Central Credit Union has 22 locations. Click to view all Idaho Central Credit Union locations.