Idaho Central Credit Union

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.

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Loan Details
Home Loans
Loan Interest Rate APR*
15 Year Fixed Rate 3.000% 3.269%
30 Year Fixed Rate 3.875% 4.030%
Advantage ARM 2.990% 3.429%
Idaho Housing First Loan 3.500% 3.651%
FHA 30 Year Fixed Rate 3.500% 4.333%
Home Equity Line of Credit 3.250% 3.250%
Home Equity Loan 3.990% 3.990%
*APR - Annual Percentage Rate
Rates valid for Wednesday, May 27, 2015.

Home Equity Loans

Homeowners have different needs when it comes to tapping into the equity in their home. That's why Idaho Central offers both home equity term loans and home equity lines of credit.

Home Equity Loans
Type Rate* Term
Closed-End 3.990% 60-180 months
Variable 3.250% 240 Months

*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
Rates valid for Wednesday, May 27, 2015.

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 finance the right loan to fit your needs.

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Loan Details
Auto Rates
Age of Vehicle Loan Term Interest Rate* Pmt/$1,000
2013 or newer 36 months 2.390% $30.60
2013 or newer 48 months 2.590% $23.75
2013 or newer 60 Months 2.890% $19.75
2013 or newer 72 Months 2.940% $17.02
2013 or newer 84 Months 3.790% $16.08
2008-2012 36 months 2.890% $30.82
2008-2012 48 months 2.890% $23.89
2008-2012 60 Months 2.990% $19.79
2008-2012 72 months 2.990% $17.04
2003-2007 36 Months 3.790% $31.24
2003-2007 48 Months 4.790% $24.78
2003-2007 60 months 5.790% $21.14
2002 and older 24 months 5.990% $46.15
2002 and older 36 months 6.900% $32.70
2002 and older 48 months 7.900% $26.29

Recreational Vehicles
Age of Vehicle Loan Term Interest Rate* Pmt/$1,000
2013 or newer 60 Months 4.190% $20.37
2013 or newer 72 Months 4.190% $17.62
2013 or newer 84 Months 4.190% $15.68
2013 or newer 120 Months 4.240% $12.26
2013 or newer 144 months 4.490% $9.00
2006-2012 60 Months 4.750% $18.76
2006-2012 72 Months 5.500% $16.34
2006-2012 84 Months 5.800% $14.51
2006-2012 120 Months 6.000% $11.10
2000-2005 60 Months 5.500% $19.10
2000-2005 72 Months 6.490% $16.81
2000-2005 84 Months 6.790% $14.99
2000-2005 120 Months 6.990% $11.61
1999 and older 48 Months 6.990% $23.94
New Small RV 48 Months 5.250% $23.14
New Small RV 60 Months 6.250% $19.45
Used Small RV 36 Months 5.790% $30.54
Used Small RV 48 Months 6.290% $24.06

Street Motorcycle
Age of Vehicle Loan Term Interest Rate* Pmt/$1,000
2013 or newer 36 months 3.700% $31.19
2013 or newer 48 months 3.990% $24.40
2013 or newer 60 months 4.490% $20.51
2013 or newer 72 months 5.490% $18.26
2013 or newer 84 months 6.990% $17.11
2008-2012 36 months 4.490% $31.56
2008-2012 48 months 4.990% $24.88
2008-2012 60 months 4.990% $20.75
2008-2012 72 months 5.590% $18.31
2007 and older 36 months 6.990% $32.73
2007 and older 48 months 6.990% $25.84


*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
Pmt/$1,000 = the estimated payment per $1,000 borrowed
Rates valid for Wednesday, May 27, 2015.

Visa Credit Cards

Idaho Central 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 Wednesday, May 27, 2015.

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!

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Loan Details
Signature Loans
Rate* Loan Term Pmt/$1,000
8.990% 24 Months $49.06
9.690% 36 Months $35.51
9.890% 48 Months $28.70
10.090% 60 Months $24.68

Share Secured Loans
Type Rate*
Share Secured +2.00% above Share rate. Minimum rate 4.00%.
CD Secured +2.00% above CD rate. No minimum rate.


*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
Pmt/$1,000 = the estimated payment per $1,000 borrowed
Rates valid for Wednesday, May 27, 2015.

Protection & Insurance

Idaho Central Credit Union makes competitive insurance protection available to you.