Idaho Central Credit Union

Headquarters

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

Phone 1-208-478-3300

Notable Rates APY Vs.Others
Savings 0.10% 1.70% →
1-Year CD 0.15% 2.02% →
2-Year CD 0.25% 2.87% →
5-Year CD 0.65% 3.50% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Idaho Central is an NCUA insured institution located in Chubbuck, ID. It was founded in 1940 and has approximately $8340.32 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 $8,340.32 million
Loans $6,298.02 million
Deposits $7,385.39 million
Capital $663.83 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 - July 6, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.10% $100,000 $199,999 Learn More
12 Mo CD
0.15% $10,000 $14,999 Learn More
12 Mo CD
0.15% $100,000 $199,999 Learn More
18 Mo CD
0.20% $10,000 $14,999 Learn More
18 Mo CD
0.20% $100,000 $199,999 Learn More
24 Mo CD
0.25% $10,000 $14,999 Learn More
24 Mo CD
0.25% $100,000 $199,999 Learn More
36 Mo CD
0.45% $10,000 $14,999 Learn More
36 Mo CD
0.45% $100,000 $199,999 Learn More
48 Mo CD
0.55% $10,000 $14,999 Learn More
48 Mo CD
0.55% $100,000 $199,999 Learn More
60 Mo CD
0.65% $10,000 $14,999 Learn More
60 Mo CD
0.65% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.10% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 6, 2022

Your Current Location: California, CA 92111

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 - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
5.750% 5.625% 0.88 $3,438 $1,440 Learn More
CHASE
NMLS ID: 399798
5.568% 5.490% 0.88 $2,155 $1,418 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.887% 5.750% 1.00 $3,750 $1,459 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
4.240 %
After Intro: 5.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

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:
San Diego,California


Idaho Central Locations



Climate 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.

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
2.60% 4.85

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 December 31, 2021, Idaho Central had $18,171,318 in non-current loans and $42,300 in owned assets. To cover these potential losses it had $663,831,756 in net worth and $35,460,642 in loans loss reserves. That gives it a Texas Ratio of 2.60%.

Net Worth
Idaho Central U.S. Average
7.95% 12.36%

Idaho Central FCU has a net worth of 7.95% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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