Home Loans
Idaho Central offers a variety of home loans designed specifically to meet your needs. Whether you're just starting out and need your first home, are looking to upgrade, or are ready to build your dream home, Idaho Central has the loan for you. We offer quick, local decisions.
Home Loans
Loan | Interest Rate | APR* |
---|---|---|
15 year Fixed Rate - Purchase | 2.250% | 2.521% |
15 year Fixed Rate - Refinance | 2.500% | 2.774% |
30 year Fixed Rate - Purchase | 2.875% | 3.027% |
30 year Fixed Rate - Refinance | 3.250% | 3.406% |
Advantage ARM | 2.999% | 3.718% |
Construction Loan | 3.250% | 3.406% |
FHA 30 Year Fixed Rate | 2.625% | 2.925% |
Freedom Mortgage - Existing ICCU Loan | 3.190% | 3.190% |
Freedom Mortgage - New to ICCU | 2.790% | 2.790% |
Idaho Housing First Loan (FHA/VA/RD) | 2.750% | 3.052% |
Jumbo Purchase | 2.790% | 2.943% |
USDA RD 30 Year Fixed Rate | 2.750% | 3.353% |
VA 30 Year Fixed Rate | 2.625% | 2.907% |
*The annual percentage rates listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria.
Rates valid for Saturday, April 17, 2021.
Home Equity Line of Credit
Homeowners have different needs when it comes to tapping into the equity in their home. That's why Idaho Central offers a home equity line of credit with benefits that suit your needs.
Home Equity Loans
Type | Rate* | APR |
---|---|---|
Home Equity Line of Credit | 3.250% | 3.250% |
*The annual percentage rates listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria.
Rates valid for Saturday, April 17, 2021.
Auto & RV Loans
Idaho Central has the Credit Union advantage which allows us to offer lower interest rates to members. If you are looking to purchase or refinance, we can help you find the right loan to fit your needs.
Auto Rates
Age of Vehicle | Loan Term | Interest Rate* |
---|---|---|
2019 or newer | 48 months | 2.840% |
2019 or newer | 60 months | 2.890% |
2019 or newer | 72 months | 3.190% |
2016-2018 | 48 months | 3.040% |
2016-2018 | 60 months | 3.090% |
2016-2018 | 72 months | 3.390% |
2013-2015 | 48 months | 3.490% |
2010-2012 | 48 months | 4.790% |
Small Recreational Vehicles
Age of Vehicle | Loan Term | Interest Rate* |
---|---|---|
2019 or newer | 60 months | 5.440% |
2016-2018 | 36 months | 5.490% |
2016-2018 | 48 months | 5.990% |
2012-2015 | 60 months | 6.640% |
Large Recreational Vehicles
Age of Vehicle | Loan Term | Interest Rate* |
---|---|---|
2019 or newer | 120 months | 4.340% |
2019 or newer | 144 months | 4.790% |
Street Motorcycle
Age of Vehicle | Loan Term | Interest Rate* |
---|---|---|
2019 or newer | 60 months | 3.990% |
2016-2018 | 60 months | 6.290% |
2012-2015 | 60 months | 6.440% |
*The annual percentage rates listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria.
Rates valid for Saturday, April 17, 2021.
Visa Credit Cards
Idaho Central 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 12.74% | 20 to 25 days | None |
Rewards | Variable rate as low as 8.74% | 20 to 25 days | None |
Variable-Rate Platinum | Variable rate as low as 7.74% | 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 Saturday, April 17, 2021.
Signature & Secured Loans
Idaho Central wants to make sure we have a loan for you. Signature and Share Secured Loans offer flexibility and convenience to fit your needs. Idaho Central offers Signature Loans that can be used for vacations, emergencies, bill consolidation, and purchasing computers, furniture, and much more. Great terms and rates to save you money and give you flexibility!
Signature Loans
Rate* | Loan Term |
---|---|
8.890% | 12 Months |
8.890% | 24 Months |
9.590% | 36 Months |
9.790% | 48 Months |
9.990% | 60 Months |
10.490% | 72 Months |
Share Secured Loans
Type | Rate* |
---|---|
Share Secured | 3.900% |
CD Secured | 3.900% |
*The annual percentage rates listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria.
Rates valid for Saturday, April 17, 2021.
Credit Care Program
Idaho Central cares about you and your credit score. The Credit Care Program offers the information and products you need to help build your credit from the beginning or help rebuild your credit if you’ve had some bumps along the way.
Student Loans
Now you can pay for college the smart way with The Smart Option Student Loan® from Idaho Central Credit Union by Sallie Mae®.