Featured Savings Rates
Featured Accounts

Idaho Central Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.50%1-year CD12 Month Promo CD
1.75%2-year CD24 Month Promo CD
1.85%2-year IRA24 Month Promo IRA (Traditional, Roth, CESA)

Overview / Commentary
800-456-5067
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 78th largest credit union in the nation. It was established in 1940 and as of March of 2016, it had grown to 612 employees and 223,571 members at 28 locations. Idaho Central Credit Union's CD rates are 67% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Idaho Central Credit Union is open to the residents, and the people that maintain employment or are paid from a business located within one of the 38 qualifying counties in Idaho. Also eligible are residents, registered students, and the people that work within Jackpot, Nevada. Also, current and retired state and other affiliated government employees throughout the state, the current, retired, and affiliated subsidiary employees of the Micron Corporation, any previous members that were carried over during a merger and/or that qualified under the original field-of-membership, employees of the Idaho Credit Union League, member of any credit union in Idaho, and the family members of these eligible people.
See current membership details

Related Posts

Idaho Central Credit Union Offers Competitive Promo CDs - 1/5/2016

Idaho Central CU is offering new Promo CDs, including a 12-month Promo CD (1.50% APY) and a 24-month Promo CD (1.75% APY). Minimum deposit is $500, with no balance cap.

Freedom Cds - 1-Year, 1.50% APY And 2-Year, 1.75% APY - 8/11/2015

Rates were raised today.  $500 minimum to open.

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Reviews (5)

Excellent Local Credit Union

Posted by: Anya | Sep 9, 2014

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.

Friendly Customer Service

Posted by: Storm | Jun 6, 2016

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.

BEWARE ON AUTO LOANS

Posted by: tico1998 | May 19, 2015

The loan officers do not explain documents. I don't have any other accounts there but auto loans. I went online to see auto loan information and realized at loan signing that I had GAP insurance, disability, and life insurance added onto my loan without my knowledge. NONE of these items were explained to me at signing. On the life and disability they are very sneaky. It doesn't show on itemization of amount financed. They add it monthly back onto your principle. When I got the loan I put a large downpayment down so there was no need for the GAP either but they snuck it on there. Be very careful getting an auto loan thru them. If you already have a loan with ICCU you really should review all documents you may be surprised. The loan officers there get a commission adding these junk insurances to the loans so they sneak them on.

Using Major Bank Practices

Posted by: whtlineRR | Dec 2, 2012

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 injury.....my 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,  .......run. 

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.



Health
A

Health Grade Components

Overall
NCUA #63194
Year Chartered1940
Employees612
Primary Regulator
Profit Margin
Return on Assets - YTD1.39%
Return on Equity - YTD16.49%
Annual Interest Income$18.9MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$2.43B$1.97B
LoansQ1 2016vs Q1 2015$2.23B$1.79B
DepositsQ1 2016vs Q1 2015$2.09B$1.71B
Equity CapitalQ1 2016vs Q1 2015$203.6MM$164.2MM
Loan Loss AllowanceQ1 2016vs Q1 2015$6.3MM$5.8MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$3.3MM$2.5MM
Real Estate OwnedQ1 2016vs Q1 2015$0$387.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$25k*-Health Savings Account
OTHER TIERS: 0.20% Up to $2,500 | 0.30% $2,500 - $25k
0.20%*$1,500*-Choice Savings Account
OTHER TIERS: 0.10% Up to $1,500
0.20%*$300*-IRA Share Savings Account
OTHER TIERS: 0.10% Up to $300
0.20%*$300*-CESA Share Savings Account
OTHER TIERS: 0.10% Up to $300
0.15%*$1,500*-Youth Savings Account
OTHER TIERS: 0.05% Up to $300 | 0.10% $300 - $1,500
0.10%$300-Share Savings
0.10%$300-Business Savings
0.10%--Central Cents Savings Account

Idaho Central Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$100k*-Premium Money Market Savings Account
OTHER TIERS: 0.15% $2,500 - $25k | 0.20% $25k - $100k
0.30%*$100k*-IRA Money Market Savings Account
OTHER TIERS: 0.10% Up to $2,500 | 0.20% $2,500 - $25k | 0.25% $25k - $100k
0.30%*$250k*-Business Money Market Checking Account
OTHER TIERS: 0.10% $2,500 - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k | 0.25% $100k - $250k
0.30%*$100k*-Business Premium Money Market Savings Account
OTHER TIERS: 0.05% Up to $25k | 0.10% $2,500 - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k
0.30%*$100k*-CESA Money Market Savings Account
OTHER TIERS: 0.10% Up to $2,500 | 0.20% $2,500 - $25k | 0.25% $25k - $100k
0.20%*$100k*-Money Market Checking Account
OTHER TIERS: 0.10% $2,500 - $25k | 0.15% $25k - $100k
0.20%*$100k*-Money Market Savings Account
OTHER TIERS: 0.10% $2,500 - $25k | 0.15% $25k - $100k

Idaho Central Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500-60 Month Promo CD
2.00%$500-Business 60 Month Promo CD
1.75%$500-24 Month Promo CD
1.75%$500-Business 24 Month Promo CD
1.50%$500-12 Month Promo CD
1.50%$500-Business 12 Month Promo CD
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
0.80%$500-3 Year CD
0.80%$500-Business 3 Year CD
0.75%$500-6 Month Promo CD
0.75%$500-Business 6 Month Promo CD
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%$500-6 Month CD
0.20%$500-Business 6 Month CD
0.05%$500-3 Month CD
0.05%$500-Business 3 Month CD

Idaho Central Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%$500-60 Month Promo IRA
1.85%$500-24 Month Promo IRA
1.60%$500-12 Month Promo IRA
1.25%$500-5 Year IRA
1.10%$500-4 Year IRA
0.90%$500-3 Year IRA
0.85%$500-6 Month Promo IRA
0.50%$500-2 Year IRA
0.45%$500-1 Year IRA
0.45%$500-18 Month IRA
0.30%$500-6 Month IRA
0.15%$500-3 Month IRA
Locations

Idaho Central Credit Union has 28 locations. Click to view all Idaho Central Credit Union locations.