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 Wednesday, September 26, 2018.
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% |
Money Market Savings 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% |
Premium Money Market Savings Account
| Balance | APY* | Interest Rate |
|---|---|---|
| 0-2,499 | 0.000% | 0.000% |
| 2,500-24,999 | 0.150% | 0.149% |
| 25,000-49,999 | 0.200% | 0.199% |
| 50,000-99,999 | 0.200% | 0.199% |
| 100,000 + | 0.300% | 0.299% |
Rates valid for Wednesday, September 26, 2018.
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 Wednesday, September 26, 2018.
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 | 1.000% | 1.000% | $500 |
| 12 Month Promo CD | 2.250% | 2.231% | $500 |
| 18 Month Promo CD | 2.350% | 2.329% | $500 |
| 24 Month Promo CD | 2.450% | 2.427% | $500 |
| 60 Month Promo CD | 3.250% | 3.211% | $500 |
| 3 Month CD | 0.050% | 0.050% | $500 |
| 6 Month CD | 0.200% | 0.200% | $500 |
| 18 Month CD | 0.350% | 0.349% | $500 |
| 1 Year CD | 0.350% | 0.349% | $500 |
| 2 Year CD | 0.400% | 0.399% | $500 |
| 3 Year CD | 0.800% | 0.797% | $500 |
| 4 Year CD | 1.000% | 0.996% | $500 |
| 5 Year CD | 1.150% | 1.145% | $500 |
| 1 Year New Gen CD | 0.600% | 0.598% | $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 | 0.250% | 0.249% |
| 100,000 + | 0.300% | 0.299% |
IRA CD
| Term | APY* | Interest Rate | Initial Deposit |
|---|---|---|---|
| 6 Month Promo CD | 1.000% | 1.000% | $500 |
| 12 Month Promo CD | 2.250% | 2.231% | $500 |
| 18 Month Promo CD | 2.350% | 2.329% | $500 |
| 24 Month Promo CD | 2.450% | 2.427% | $500 |
| 60 Month Promo CD | 3.250% | 3.211% | $500 |
| 3 Month CD | 0.050% | 0.050% | $500 |
| 6 Month CD | 0.200% | 0.200% | $500 |
| 1 Year CD | 0.350% | 0.349% | $500 |
| 18 Month CD | 0.350% | 0.349% | $500 |
| 2 Year CD | 0.400% | 0.399% | $500 |
| 3 Year CD | 0.800% | 0.797% | $500 |
| 4 Year CD | 1.000% | 0.996% | $500 |
| 5 Year CD | 1.150% | 1.145% | $500 |
A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
*APY - Annual Percentage Yield
Rates valid for Wednesday, September 26, 2018.
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 14.49% | 20 to 25 Days | None |
| Rewards | Variable rate as low as 10.49% | 20 to 25 Days | None |
| Variable-Rate Platinum | Variable rate as low as 9.49% | 20 to 25 Days | None |
| Fixed-Rate Platinum | Fixed rate as low as 10.99% | 20 to 25 Days | None |
*APR - Annual Percentage Rate
Rates valid for Wednesday, September 26, 2018.