Personal Lines of Credit

An Idaho Central Personal Line of Credit provides the benefits of an overdraft line of credit linked to any ICCU personal checking account.

• No annual fees
• Cover transactions with an affordable $2.50 charge per transaction
• Avoid high interest rates of payday loans
• Manage short-term cash needs
• Limits available up to $2,500 (OAC)
• 18% APR* fixed-rate line of credit

Apply for a Personal Line of Credit online now!

*All loans OAC. Personal Lines of Credit are designed for members with positive, well-established credit. Rate fixed while loan is open.

Personal Loans

Whatever your loan needs may be, we have a solution for you! If you want to own it, we want to loan it! We offer the following loans for your personal needs:

  Features  
Home Loans Idaho Central's Home Loans are easy and fast; and decisions are made locally. Apply for a Home Loan online now!
Home Equity Loans Use this loan to tap into your home's equity for funds to start a project. Apply for a Home Equity Loan online now!
Auto & RV Loans Idaho Central offers friendly, local service and low rates on Auto & RV Loans. Apply for an Auto or RV Loan online now!
Visa Credit Cards Get a low, fixed-rate* credit card for all of your personal needs. Apply for a Visa Credit Card online now!
Signature Loans These loans offer flexibility and convenience to fit your needs. Apply for a Signature Loan online now!
Personal Lines of Credit Use this line of credit to link to your ICCU personal checking account. Apply for a Personal Line of Credit online now!


We also offer Member Protection and Insurance to keep you covered.

*Rate fixed while loan is open.

Idaho Central offers Small Business Administration (SBA) Real Estate Loans to help your business grow. SBA loan programs can help qualified businesses obtain financing even when they may not meet conventional lending standards.

• Lower down payments
• Longer term financing
• Up to 90% financing
• Designed specifically for businesses meeting SBA 504 eligibility

SBA Real Estate Loans can be used for:

• Purchasing
• Refinancing
• Construction Real Estate

Contact a Business Lending Specialist to apply today!

Compare Idaho Central's business loans.

For general inquiries and application questions call 208-846-7015 in Treasure Valley or 208-478-3315 in Eastern Idaho, or email us at This email address is being protected from spambots. You need JavaScript enabled to view it. .

 

To speak or meet with a specialist and receive personalized guidance, contact one of our local Mortgage Loan Officers:

 

Treasure Valley
   


Lance Hendricks
(208) 846-7103
NMLS#: 522570
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Sean Palmer
(208) 846-7109
NMLS#: 522589
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Dave Rusk
(208) 846-7107
NMLS#: 864725
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Katie Moore
(208) 846-7111
NMLS#: 522583
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Susie Manweller
(208) 713-7850
NMLS#: 522577
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Gabe Crum
(208) 846-7093
NMLS#: 1070585
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Michelle Oliver
(208) 846-7124
NMLS#: 182321
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Sharlot Barnett
(208) 846-7123
NMLS#: 473889
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Nampa & Caldwell
   


Mitch Rudder
(208) 846-7108
NMLS#: 522528
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Danny Summers
(208) 724-6834
NMLS#: 18834
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Magic Valley & Burley
   


Pam Canoy
(208) 735-3403
NMLS#: 49946
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Lety Chairez
(208) 431-9601
NMLS#: 522548
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Southeast Idaho
   


Jared Godfrey
(208) 760-9173
NMLS#: 522562
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Shelli Jones
(208) 637-8373
NMLS#: 27600
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Tyler Smith
(208) 637-8319
NMLS#: 522484
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Idaho Falls & Rexburg
   


Collin Hunter
(208) 709-2874
NMLS#: 47207
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Steph Hay
(208) 637-8702
NMLS#: 522569
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Trina Batté
(208) 637-8704
NMLS#: 408618
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An Idaho Central Business Line of Credit allows you to borrow what you need, when you need it. Balance your cash flow needs with this ready source of revolving funds.

• Manage short-term cash needs
• Take advantage of supplier discounts
• Cover working capital needs
• Variable interest rate
• Low monthly interest-only payments
• Hassle-free renewal

Contact a Business Lending Specialist to apply today!

Compare Idaho Central's business loans.