IDAHO CENTRAL

4400 CENTRAL WAY
Chubbuck, ID 83202

 

2018 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 63194
Date Established 1940
Assets $3,641.16 million
Loans $3,319.95 million
Deposits $3,083.14 million
Capital $317.00 million

Idaho Central is an NCUA insured institution located in Chubbuck, ID. It was founded in 1940 and has approximately $3641.16 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.

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 - August 18, 2018

Your Current Location: Virginia, VA 20146

CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD 10K
0.05% $500 - Learn MoreShow Less
Special: 6 Mo CD
1.00% $500 - Learn MoreShow Less
6 Mo CD 10K
0.20% $500 - Learn MoreShow Less
Savings Rates (Share Account Rates) APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.35% $500 - Learn MoreShow Less
Special: 6 Mo FIRA
1.00% $500 - Learn MoreShow Less
Special: 12 Mo FIRA
2.25% $500 - Learn MoreShow Less
Special: 18 Mo FIRA
2.35% $500 - Learn MoreShow Less
Special: 24 Mo FIRA
2.45% $500 - Learn MoreShow Less
Special: 60 Mo FIRA
3.25% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.10% $1 $299 Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.10% $2,500 $24,999 Learn MoreShow Less
MM 25K
0.15% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.10% $2,500 $24,999 Learn MoreShow Less

Loan Rates - August 18, 2018

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Ally Bank
NMLS ID: 181005
4.559% 4.500% 0.38 $1,812 $1,267 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,354 $1,230 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

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:
Ashburn,Virginia


Idaho Central Locations

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
3.78% 6.94

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 March 31, 2018, Idaho Central had $12,602,291 in non-current loans and $53,350 in owned assets. To cover these potential losses it had $316,998,996 in net worth and $17,865,663 in loans loss reserves. That gives it a Texas Ratio of 3.78%.

Net Worth
Idaho Central U.S. Average
8.7% 13.08%

Idaho Central FCU has a net worth of 8.7% versus the BestCashCow average of 13.08. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions On Idaho Central

What is Idaho Central?

A federal credit union, registered with the NCUA under certificate #63194.
Learn more about credit unions here.

Is Idaho Central FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Idaho Central?

Please see Field of Membership information above for information on who is eligible to join.

What are Idaho Central's share account and share certificate rates?

Idaho Central's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Idaho Central?

Idaho Central has total capital of $317.00 million. Full information on Idaho Central's financial position is located above.

Who owns Idaho Central?

Credit Unions are owned by their members.

Where are Idaho Central branches located?

See branch locations nearby.

Are Idaho Central ATMs Open 24/7?

Do Idaho Central ATMs accept cash deposits?

Can Idaho Central customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Idaho Central have a mobile app?

Does Idaho Central have mobile deposit?

Does Idaho Central have quick pay?

How can Idaho Central transfer money to other banks or credit unions?

Does Idaho Central report to credit bureaus?

Does Idaho Central use Chexsystems?

Does Idaho Central use Equifax?

What is Idaho Central's toll free phone number?

What is Idaho Central's ACH Routing Number?

What is Idaho Central's SWIFT code?

Where can I find Idaho Central's wire transfer form?

What is the Idaho Central address for deposits?

What Products Does Idaho Central Offer

Does Idaho Central offer mortgages?

Compare mortgage rates here.

Does Idaho Central offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Idaho Central offer auto and RV loans?

Compare auto loan rates here.

Does Idaho Central offer student loans or personal loans?

Compare personal loan rates here.

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