Idaho Central Credit Union

Personal Accounts

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.

See Rates See Account Options
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, May 29, 2015.

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%
*APY - Annual Percentage Yield
Rates valid for Friday, May 29, 2015.

Student Accounts

A New Generation (NG) Account is designed specifically for your active lifestyle and on-the-go needs. We offer great accounts with debit card access in addition to convenient online and mobile banking access.

See Rates See Account Options
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, May 29, 2015.

Kids 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, May 29, 2015.

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.

See Rates See Account Options
Personal CD
Term APY* Interest Rate Initial Deposit
9 Month Promo CD 0.750% 0.750% $500
13 Month Promo CD 1.250% 1.244% $500
21 Month Promo CD 1.500% 1.492% $500
4 Year Promo CD 2.000% 1.985% $500
90 Days 0.050% 0.050% $500
180 Days 0.200% 0.200% $500
1 Year 0.350% 0.349% $500
NG 1 Year 0.500% 0.499% $500
18 Months 0.350% 0.349% $500
2 Years 0.400% 0.399% $500
3 Years 0.800% 0.797% $500
4 Years 1.000% 0.996% $500
5 Years 1.150% 1.145% $500
1 Year Online CD 1.003% 1.000% $500
2 Year Online CD 1.306% 1.300% $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
9 Month Promo CD 0.850% 0.850% $500
13 Month Promo CD 1.350% 1.343% $500
21 Month Promo CD 1.600% 1.590% $500
4 Year Promo CD 2.100% 2.084% $500
90 Days 0.150% 0.150% $500
180 Days 0.300% 0.300% $500
1 Year 0.450% 0.449% $500
18 Months 0.450% 0.449% $500
2 Years 0.500% 0.499% $500
3 Years 0.900% 0.897% $500
4 Years 1.100% 1.095% $500
5 Years 1.250% 1.244% $500
NG - New Generation account
A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
*APY - Annual Percentage Yield
Rates valid for Friday, May 29, 2015.

Visa Credit Cards

Idaho Central Credit Union has many options for a Visa Credit Card. Enjoy a hassle-free Visa with a fixed rate, no annual fees, and no fees for balance transfers!

Visa Credit Cards
Type APR* Grace Period for Purchases Annual Fee
Visa Platinum 8.790% 20 to 25 Days None
Visa Gold 9.900% 20 to 25 Days None
Visa Classic 11.900% 20 to 25 Days None
New Gen Visa 16.900% 20 to 25 Days None

*APR - Annual Percentage Rate
Rates valid for Friday, May 29, 2015.