Idaho Central Credit Union

Overview / Commentary
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 21st largest credit union in the nation. It was established in 1940 and as of December of 2023, it had grown to 1,647 employees and 610,882 members at 54 locations. Idaho Central Credit Union's savings rates are 7X the national average, and it has a B+ health rating.

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 any 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.
See current membership details

Reviews (8)

Banking Made Easy!

We have used this credit union for years and have always been happy with their services. We have multiple checking (regular and money market) and savings (primary and secondary) accounts with them and they are all very easy to manage using both the website and app. In person baking either inside or using the drive through is always easy and the tellers are quite polite. Moving money around between accounts is very simple and quick via the website. The couple of times we've had issues, fraudulent spending on the account via a hacked debit card, the bank was very understanding and easy to deal with. Once we provided them with a police report, they were able to reimburse the fraudulent expenses very quickly. Everything about this credit union's checking and savings accounts is in a word easy! I highly recommend them for their ease of use, convenience, and services provided.

My Experience with ICCU

Idaho Central Credit Union has been in business for over 75 years and have over $1 Billion in assets, but I always felt I was getting personalized, friendly service from the staff at the Cloverdale Branch in my town. I felt like the products being offered were hand-selected for members, because they were the best offerings in the industry - as though they truly cared for each of their members. Their rates for CDs, savings, and auto loans were exceptional in the industry, and I always felt like the staff went the extra mile to explain everything in detail until I understood, as well as providing close monitoring of my accounts to my benefit. I found their website a very useful tool and it was always extremely user-friendly. I would give this Credit Union an A-1 rating and recommend them highly to anyone seeking financial security and success.

Excellent Local Credit Union

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I have been with this credit union for 6 years. Having previously had bad service and experiences with a national bank several times over the years, I switched to the credit union and have never regretted it. The staff is friendly, helpful, and knowledgeable. They greet me and every other customer by name, and go out of their way to help when they can. They are not a national credit union sadly, but if you are a resident of the state of Idaho you cannot have a better banking experience.

A Decent Bank To Bank With .

ICCU has provided a top notch vehicle loan experience. From day one, it has been a seamless and transparent transaction. I love having my auto loan through my personal bank. Incredible interest rates at the time of purchase in March of 21 have made the transaction that much sweeter. Royalblade Hacktivist Group were instrumental in my credit boost. It put me in the right spot with this bank and other banks when I apply for anything. I was approved at 788 .

Friendly Customer Service

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The employees in all departments have been professional and pleasant. I've been with ICCU for many years. I was surprised that when I opened a large deposits CD that the I was told they would pull a hard credit on me. Considering my time in years as a ICCU member, and that I was giving them money, not asking for it, that they would pull a hard credit inquiry. I'm going to assume this guy was not traind, as I've not had issues before this happened. Now the hard pull is on my credit report for 2 years and all I did was give them money for a CD. My other credit union has a $5.00 membership fee, the checks are free, the checking and savings pay .7% and 1.% with no requirements. The also reimburse me any out of network ATM fees the next day.
The new online banking is worse than the old system, but there is very little difference. The flat (not embossed) cards look cheap and the banking App is terrible. Nice people, but they need to bring their ways of operation into this century. Their practices feel more bank and not too much credit uni They could do better.

Lied To Get Business

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My partner and I each opened separate accounts at the same time. We specifically asked about their od protection as we needed to utilize it for 10 days before all our money became available. We were specifically told it would be instant. The next day the same person who opened our accounts at the Vista branch in boise idaho...Katlyn...who said it would be instant, changed it to 24 hours...days later and numerous reps and specialist...we got no help, were treated like second class customers, and told it would be 30 days. We would have chose another bank had Katlyn not bold-faced lied to us. We have a large ebay store and 4 paychecks between us but still treated like crap. They won't even honor their lie after I repeatedly complained.

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.

Using Major Bank Practices

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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, 


Health Grade Components

NCUA #63194
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD11.52%
Annual Interest Income$453.6MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$11B$9.74B
LoansQ4 2023vs Q4 2022$9.51B$8.37B
DepositsQ4 2023vs Q4 2022$9.77B$8.02B
Equity CapitalQ4 2023vs Q4 2022$829.7MM$739.8MM
Loan Loss AllowanceQ4 2023vs Q4 2022$50MM$26.2MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$43.7MM$16.1MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Idaho Central Credit Union Savings Account Rates

3.70%$1k-High Yield Online Savings
0.25%*$1.5k*-Youth Savings Account
OTHER TIERS: 0.15% Up to $300 | 0.20% $300 - $1.5k
0.25%*$1.5k*-Choice Savings Account
OTHER TIERS: 0.20% Up to $1.5k
0.25%--Health Savings Account
0.25%*$300*-IRA Share Savings Account
OTHER TIERS: 0.20% Up to $300
0.25%--Central Cents Savings Account
0.25%*$300*-CESA Share Savings Account
OTHER TIERS: 0.20% Up to $300
0.25%--Medical Savings Account
0.25%--First-time Home Buyer Saving Account
0.15%$300-Share Savings
0.15%$300-Business Savings
0.15%$300-Secondary Saving Account
0.15%$300-Business Secondary Savings

Idaho Central Credit Union Money Market Rates

2.10%*$250k*-Business Premium Money Market Savings Account
OTHER TIERS: 0.75% $2.5k - $25k | 1.10% $25k - $50k | 1.50% $50k - $100k | 1.75% $100k - $250k
1.00%*$100k*-Money Market Savings Account
OTHER TIERS: 0.40% $2.5k - $25k | 0.60% $25k - $50k | 0.75% $50k - $100k
1.00%*$100k*-IRA Money Market Savings Account
OTHER TIERS: 0.40% $2.5k - $25k | 0.60% $25k - $50k | 0.75% $50k - $100k
0.20%$2.5k-Money Market Checking Account
0.20%$2.5k-Business Money Market Checking Account

Idaho Central Credit Union CD Rates

4.80%$500-6 Month Promo CD
4.80%$500-Business 6 Month Promo CD
4.70%$500-12 Month Promo CD
4.70%$500-Business 12 Month Promo CD
4.40%$500-18 Month Promo CD
4.40%$500-Business 18 Month Promo CD
4.15%$500-24 Month Promo CD
4.15%$500-Business 24 Month Promo CD
3.75%$500-60 Month Promo CD
3.75%$500-Business 60 Month Promo CD
1.10%$500-5 Year CD
1.10%$500-Business 5 Year CD
1.00%$500-4 Year CD
1.00%$500-Business 4 Year CD
0.95%$500-3 Year CD
0.95%$500-Business 3 Year CD
0.90%$500-2 Year CD
0.90%$500-Business 2 Year CD
0.80%$500-18 Month CD
0.80%$500-Business 18 Month CD
0.70%$500-1 Year CD
0.70%$500-Business 1 Year CD
0.45%$500-6 Month CD
0.45%$500-Business 6 Month CD
0.30%$500-3 Month CD
0.30%$500-Business 3 Month CD

Idaho Central Credit Union IRA Rates

4.80%$500-6 Month Promo IRA
4.70%$500-12 Month Promo IRA
4.40%$500-18 Month Promo IRA
4.15%$500-24 Month Promo IRA
3.75%$500-60 Month Promo IRA
1.10%$500-5 Year IRA
1.00%$500-4 Year IRA
0.95%$500-3 Year IRA
0.90%$500-2 Year IRA
0.80%$500-18 Month IRA
0.70%$500-1 Year IRA
0.45%$500-6 Month IRA
0.30%$500-3 Month IRA


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