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 | 5.250% | 5.481% |
| 30 year Fixed Rate - Purchase | 6.000% | 6.231% |
| 15 year Fixed Rate - Refinance | 5.250% | 5.481% |
| 30 year Fixed Rate - Refinance | 6.000% | 6.231% |
| ARM 5 year | 5.375% | 5.606% |
| ARM 7 year | 5.625% | 5.856% |
| ARM 10 year | 5.875% | 6.106% |
| ARM First-Time Homebuyer 100% Financed | 5.875% | 6.106% |
| Construction Loan | 6.250% | 6.431% |
| FHA 30 Year Fixed Rate | 5.625% | 6.056% |
| Freedom Mortgage - Existing ICCU Loan | 5.440% | 5.440% |
| Freedom Mortgage - New to ICCU | 5.040% | 5.040% |
| Jumbo Purchase | 5.990% | 6.186% |
| USDA RD 30 Year Fixed Rate | 6.125% | 6.656% |
| VA 30 Year Fixed Rate | 5.625% | 5.951% |
*Your rate and/or term may vary depending on credit history and underwriting criteria.
Rates valid for Wednesday, February 1, 2023.
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 | 8.000% | 8.000% |
*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 Wednesday, February 1, 2023.
Vehicle 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
| Age of Vehicle | Loan Term | Interest Rate* |
|---|---|---|
| 2020 or newer | 48 months | 6.240% |
| 2020 or newer | 60 months | 6.290% |
| 2020 or newer | 72 months | 6.590% |
| 2017-2019 | 48 months | 6.440% |
| 2017-2019 | 60 months | 6.490% |
| 2017-2019 | 72 months | 6.790% |
| 2014-2016 | 48 months | 6.890% |
| 2011-2013 | 48 months | 8.190% |
Recreational Vehicles
| Age of Vehicle | Loan Term | Interest Rate* |
|---|---|---|
| 2020 or newer | 120 months | 7.990% |
| 2020 or newer | 144 months | 8.440% |
Watercraft
| Age of Vehicle | Loan Term | Interest Rate* |
|---|---|---|
| 2020 or newer | 120 months | 7.990% |
| 2020 or newer | 144 months | 8.440% |
Off-Road
| Age of Vehicle | Loan Term | Interest Rate* |
|---|---|---|
| 2020 or newer | 60 months | 8.940% |
| 2017-2019 | 36 months | 8.990% |
| 2017-2019 | 48 months | 9.490% |
| 2013-2016 | 60 months | 10.140% |
Street Motorcycle
| Age of Vehicle | Loan Term | Interest Rate* |
|---|---|---|
| 2020 or newer | 60 months | 7.690% |
| 2017-2019 | 60 months | 9.990% |
| 2013-2016 | 60 months | 10.140% |
*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 Wednesday, February 1, 2023.
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 16.99% | 20 to 25 days | None |
| Rewards | Variable rate as low as 12.99% | 20 to 25 days | None |
| Variable-Rate Platinum | Variable rate as low as 11.99% | 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 Wednesday, February 1, 2023.
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
| Loan Term | Rate* |
|---|---|
| 12 Months | 10.290% |
| 24 Months | 10.290% |
| 36 Months | 10.990% |
| 48 Months | 11.190% |
| 60 Months | 11.390% |
| 72 Months | 11.890% |
Share Secured Loans
| Type | Rate* |
|---|---|
| Share Secured | 2.747% |
| 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 Wednesday, February 1, 2023.
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®.