Central Cents Savings

Spending money is easy. Saving can be too! When you open a Central Cents Savings Account, your Idaho Central debit card purchases are automatically rounded up to the next whole dollar amount and deposited into your savings. Boom! You just saved!

Person paying with their debit card


You want debit card purchases rounded up to the next whole dollar and deposited into savings.

Let’s Break This Down to Cents

If you make a debit card purchase for $7.30, a total of $8.00 will be deducted from your checking account. $0.70 will then be deposited into your savings account.

On top of that, you’ll enjoy all these great savings account benefits plus interest earned quarterly.

Minimum Balance to Open


Minimum Balance to Earn Interest


Monthly Service Fee


Number of Withdrawals

6/month ($2 for each additional)

ICCU Savings Benefits

Free Mobile Banking

You have all the tools you need to manage your accounts through the ICCU mobile app or on ICCU.com, anywhere, anytime. Check balances, transfer money, pay bills, set up alerts, and so much more.

Free Credit Score & Monitoring

My Credit is a free service powered by SavvyMoney® that helps you stay on top of your credit. Check your credit score, view your credit report, and get up-to-date credit monitoring notifications through ICCU mobile or online banking.

Free VideoChat

Bank face-to-face from anywhere in the world with a live service agent through ICCU’s VideoChat. Not only is it convenient, it’s secure and easy to use for account questions, opening a new account, applying for a loan, and much more!

Make a Deposit

Don’t have time to run to the branch to deposit your check? No problem! Deposit checks on the go using the ICCU App or from the comfort of your home using the Make a Deposit feature in eBranch.

Central Cents Savings Accounts

Balance APY* Interest Rate
Balance0.01+ APY*0.25% Interest Rate0.25% Terms

Become a Member

Idaho Central Credit Union was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho or Washington, chances are you can become a member of Idaho Central Credit Union.

Find Out How