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 March of 2024, it had grown to 1,691 employees and 623,017 members at 54 locations. Idaho Central Credit Union's savings rates are 7X the national average, and it has an A 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 (2)

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 .

Lied To Get Business

Posted by: |

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.


Health Grade Components

NCUA #63194
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD7.71%
Annual Interest Income$135.6MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$11.07B$10.04B
LoansQ1 2024vs Q1 2023$9.64B$8.69B
DepositsQ1 2024vs Q1 2023$9.8B$8.75B
Equity CapitalQ1 2024vs Q1 2023$854MM$761.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$60.3MM$29.5MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$40.9MM$17.3MM
Real Estate OwnedQ1 2024vs Q1 2023$74K$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

3.80%$1k-High Yield Online Savings
0.25%*$1.5k*-Youth Savings Account
OTHER TIERS: 0.15% $0 - $300 | 0.20% $300 - $1.5k
0.25%*$1.5k*-Choice Savings Account
OTHER TIERS: 0.20% $0 - $1.5k
0.25%$0-Health Savings Account
0.25%*$300*-IRA Share Savings Account
OTHER TIERS: 0.20% $0 - $300
0.25%$0-Central Cents Savings Account
0.25%*$300*-CESA Share Savings Account
OTHER TIERS: 0.20% $0 - $300
0.25%$0-Medical Savings Account
0.25%$0-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-Business Money Market Checking Account

Idaho Central Credit Union CD Rates

5.15%$500-6 Month Promo CD
5.15%$500-Business 6 Month Promo CD
4.85%$500-12 Month Promo CD
4.85%$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

5.15%$500-6 Month Promo IRA
4.85%$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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