Checking Accounts
Idaho Central Credit Union offers a variety of checking account options. Whether it's a totally FREE checking account or a checking account that earns a competitive interest rate, we've got one that's just right for you.
Money Market Checking Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0-2,499 | 0.000% | 0.000% |
| 2,500-24,999 | 0.100% | 0.099% |
| 25,000-49,999 | 0.150% | 0.149% |
| 50,000-99,999 | 0.150% | 0.149% |
| 100,000 + | 0.200% | 0.199% |
*APY - Annual Percentage Yield
Rates valid for Friday, July 19, 2019.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Savings Accounts
At Idaho Central, we have Savings Account options to help you make insured investments with excellent rates!
Share Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 299 | 0.000% | 0.000% |
| 300 + | 0.100% | 0.099% |
Central Cents Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0.01 + | 0.100% | 0.099% |
Youth Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0-299 | 0.050% | 0.049% |
| 300-1,499 | 0.100% | 0.099% |
| 1,500 + | 0.150% | 0.149% |
Choice Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 1,499 | 0.100% | 0.099% |
| 1,500 + | 0.200% | 0.199% |
Health Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 2,499 | 0.200% | 0.199% |
| 2,500 - 24,999 | 0.300% | 0.299% |
| 25,000 + | 0.450% | 0.449% |
Medical Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 2,499 | 0.100% | 0.099% |
| 2,500 - 24,999 | 0.100% | 0.099% |
| 25,000 + | 0.100% | 0.099% |
Money Market Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0-2,499 | 0.000% | 0.000% |
| 2,500-24,999 | 0.200% | 0.199% |
| 25,000-49,999 | 0.250% | 0.249% |
| 50,000-99,999 | 0.300% | 0.299% |
| 100,000 + | 0.400% | 0.399% |
Rates valid for Friday, July 19, 2019.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Youth Accounts
You know it's important to get your child started on the right financial path early in life. That's why ICCU offers multiple accounts that grow as your child grows.
Youth Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0-299 | 0.050% | 0.049% |
| 300-1,499 | 0.100% | 0.099% |
| 1,500 + | 0.150% | 0.149% |
*APY - Annual Percentage Yield
Rates valid for Friday, July 19, 2019.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Investments & Planning
Investing in an Individual Retirement Account (IRA) or Certificate of Deposit (CD) is a great way to provide flexibility for your changing financial future needs. Idaho Central offers a variety of CD terms for your specific needs, Traditional and Roth IRA options, and even Coverdell Education Savings Accounts.
Personal CD
| Term | APY* | Interest Rate | Initial Deposit |
|---|---|---|---|
| 6 Month Promo CD | 1.500% | 1.500% | $500 |
| 12 Month Promo CD | 2.550% | 2.525% | $500 |
| 18 Month Promo CD | 2.600% | 2.575% | $500 |
| 24 Month Promo CD | 2.650% | 2.624% | $500 |
| 60 Month Promo CD | 2.800% | 2.771% | $500 |
| 3 Month CD | 0.150% | 0.150% | $500 |
| 6 Month CD | 0.300% | 0.300% | $500 |
| 18 Month CD | 0.450% | 0.449% | $500 |
| 1 Year CD | 0.450% | 0.449% | $500 |
| 2 Year CD | 0.500% | 0.499% | $500 |
| 3 Year CD | 0.900% | 0.896% | $500 |
| 4 Year CD | 1.100% | 1.095% | $500 |
| 5 Year CD | 1.250% | 1.244% | $500 |
IRA Share Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0 - 299 | 0.100% | 0.099% |
| 300 + | 0.200% | 0.199% |
IRA Money Market Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0-2,499 | 0.100% | 0.099% |
| 2,500-24,999 | 0.200% | 0.199% |
| 25,000-49,999 | 0.250% | 0.249% |
| 50,000-99,999 | 0.300% | 0.299% |
| 100,000 + | 0.400% | 0.399% |
IRA CD
| Term | APY* | Interest Rate | Initial Deposit |
|---|---|---|---|
| 6 Month Promo CD | 1.500% | 1.500% | $500 |
| 12 Month Promo CD | 2.550% | 2.525% | $500 |
| 18 Month Promo CD | 2.600% | 2.575% | $500 |
| 24 Month Promo CD | 2.650% | 2.624% | $500 |
| 60 Month Promo CD | 2.800% | 2.771% | $500 |
| 3 Month CD | 0.150% | 0.150% | $500 |
| 6 Month CD | 0.300% | 0.300% | $500 |
| 1 Year CD | 0.450% | 0.449% | $500 |
| 18 Month CD | 0.450% | 0.449% | $500 |
| 2 Year CD | 0.500% | 0.499% | $500 |
| 3 Year CD | 0.900% | 0.896% | $500 |
| 4 Year CD | 1.100% | 1.095% | $500 |
| 5 Year CD | 1.250% | 1.244% | $500 |
*APY - Annual Percentage Yield
Rates valid for Friday, July 19, 2019.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Visa Credit Cards
Idaho Central Credit Union has many options for a Visa Credit Card. Enjoy a hassle-free Visa with a low rate, no annual fees, and no fees for balance transfers!
Visa Credit Cards
| Type | APR* | Grace Period for Purchases | Annual Fee |
|---|---|---|---|
| Premier Rewards | Variable rate as low as 14.99% | 20 to 25 days | None |
| Rewards | Variable rate as low as 10.99% | 20 to 25 days | None |
| Variable-Rate Platinum | Variable rate as low as 9.99% | 20 to 25 days | None |
| Fixed-Rate Platinum | Fixed rate as low as 13.99% | 20 to 25 days | None |
*APR - Annual Percentage Rate
Rates valid for Friday, July 19, 2019.