Idaho Central Credit Union


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

Phone 1-208-478-3300

Notable Rates APY Vs.Others
Savings 4.10% 5.40% →
1-Year CD 0.70% 5.77% →
2-Year CD 0.90% 5.50% →
5-Year CD 1.10% 5.25% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Credit Union Information

Idaho Central is an NCUA insured institution located in Chubbuck, ID. It was founded in 1940 and has approximately $10338.3 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 $10,338.30 million
Loans $8,913.04 million
Deposits $9,068.15 million
Capital $809.89 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 - November 28, 2023

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
High-Yield Online Savings
4.10% $1,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
1 Year CD
0.70% $500 - Learn More
18 Month CD
0.80% $500 - Learn More
2 Year CD
0.90% $500 - Learn More
5 Year CD
1.10% $500 - Learn More

Loan Rates - November 28, 2023

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 2023

Lender APR Rate (%) Points Fees Monthly
Learn More
Neighbors Bank
NMLS ID: 491986
Learn More
NMLS ID: Not a Lender
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NMLS ID: Not a Lender
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More

Note to Idaho Central
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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.

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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
2.36% 4.93

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 June 30, 2023, Idaho Central had $19,752,825 in non-current loans and $42,100 in owned assets. To cover these potential losses it had $809,890,209 in net worth and $29,466,452 in loans loss reserves. That gives it a Texas Ratio of 2.36%.

Net Worth
Idaho Central U.S. Average
7.83% 13.17%

Idaho Central FCU has a net worth of 7.83% versus the BestCashCow average of 13.17. 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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