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 3.250% 3.521%
30 Year Fixed Rate 4.000% 4.156%
Advantage ARM 2.990% 4.068%
Idaho Housing First Loan 3.750% 3.903%
FHA 30 Year Fixed Rate 3.750% 4.590%
Home Equity Line of Credit 3.750% 3.750%
Home Equity Loan 4.990% 4.990%
*APR - Annual Percentage Rate
*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
Rates valid for Monday, February 27, 2017.

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 4.990% 60-180 months
Variable 3.750% 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 Monday, February 27, 2017.

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.

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Loan Details
Auto Rates
Age of Vehicle Loan Term Interest Rate* Pmt/$1,000
2014 or newer 24 months 2.840% $44.92
2014 or newer 36 months 2.840% $31.03
2014 or newer 48 months 3.290% $24.31
2014 or newer 60 months 3.340% $20.20
2014 or newer 72 months 3.490% $17.53
2014 or newer 84 months 4.240% $15.96
2011-2013 24 months 3.240% $45.10
2011-2013 36 months 3.240% $31.21
2011-2013 48 months 3.290% $24.31
2011-2013 60 months 3.340% $20.20
2011-2013 72 months 3.490% $17.53
2011-2013 84 months 4.490% $16.08
2008-2010 24 months 3.390% $45.17
2008-2010 36 months 3.390% $31.28
2008-2010 48 months 3.440% $24.38
2008-2010 60 months 3.490% $20.27
2008-2010 72 months 3.640% $17.60
2005-2007 24 months 4.040% $45.47
2005-2007 36 months 4.040% $31.58
2005-2007 48 months 5.040% $25.14
2005-2007 60 months 6.040% $20.51
2005-2007 72 months 7.040% $19.31
2001-2004 24 months 4.190% $45.53
2001-2004 36 months 4.190% $31.65
2001-2004 48 months 5.190% $25.21
2001-2004 60 months 6.190% $21.58
2001-2004 72 months 7.190% $19.39
2000 and older 24 months 6.240% $46.48
2000 and older 36 months 7.150% $33.04
2000 and older 48 months 8.150% $26.65
2000 and older 60 months 9.150% $23.08

Recreational Vehicles
Age of Vehicle Loan Term Interest Rate* Pmt/$1,000
2014 or newer 120 months 4.440% $12.64
2014 or newer 144 months 4.640% $11.46
2014 or newer 180 months 5.890% $10.99
2014 or newer 36 months 5.390% $32.22
2014 or newer 48 months 5.390% $25.31
2014 or newer 48 months 4.340% $24.81
2014 or newer 60 months 6.390% $21.69
2014 or newer 60 months 4.340% $20.68
2014 or newer 72 months 6.390% $18.98
2014 or newer 72 months 4.390% $17.94
2014 or newer 84 months 4.390% $16.04
2014 or newer 84 months 7.150% $17.47
2010-2013 120 months 6.150% $13.59
2010-2013 144 months 6.350% $12.46
2010-2013 36 months 5.940% $25.82
2010-2013 48 months 4.900% $25.08
2010-2013 48 months 6.440% $25.82
2010-2013 60 months 6.940% $21.97
2010-2013 60 months 4.900% $20.96
2010-2013 72 months 5.650% $18.61
2010-2013 72 months 7.190% $19.40
2010-2013 84 months 5.950% $16.84
2006-2009 120 months 6.300% $13.67
2006-2009 36 months 6.090% $32.55
2006-2009 48 months 5.050% $25.15
2006-2009 48 months 6.590% $25.90
2006-2009 60 months 7.090% $22.05
2006-2009 60 months 5.050% $21.03
2006-2009 72 months 5.800% $18.68
2006-2009 72 months 7.340% $19.48
2006-2009 84 months 6.100% $16.92
2005 or older 36 months 7.590% $33.26
2005 or older 48 months 8.090% $26.63
2002-2005 120 months 7.140% $14.15
2002-2005 48 months 5.750% $25.49
2002-2005 60 months 5.750% $21.38
2002-2005 72 months 6.640% $19.11
2002-2005 84 months 6.940% $17.36
2001 and older 48 months 7.140% $26.16

Street Motorcycle
Age of Vehicle Loan Term Interest Rate* Pmt/$1,000
2014 or newer 36 months 3.950% $31.55
2014 or newer 48 months 4.140% $24.72
2014 or newer 60 months 4.640% $20.83
2014 or newer 72 months 5.640% $18.60
2014 or newer 84 months 7.140% $17.47
2010-2013 36 months 4.640% $31.87
2010-2013 48 months 5.140% $25.19
2010-2013 60 months 5.140% $21.07
2010-2013 72 months 5.740% $18.65
2010-2013 84 months 7.290% $17.54
2006-2009 36 months 4.790% $31.94
2006-2009 48 months 5.290% $25.27
2006-2009 60 months 5.290% $21.15
2006-2009 72 months 5.890% $18.73
2005 and older 36 months 6.290% $32.64
2005 and older 48 months 6.790% $25.99


*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 Monday, February 27, 2017.

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 13.24% 20 to 25 Days None
Rewards Variable rate as low as 9.24% 20 to 25 Days None
Variable-Rate Platinum Variable rate as low as 8.24% 20 to 25 Days None
Fixed-Rate Platinum Fixed rate as low as 10.99% 20 to 25 Days None

*APR - Annual Percentage Rate
Rates valid for Monday, February 27, 2017.

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 Monday, February 27, 2017.

Credit Builder Loans

ICCU is in business to help you achieve financial success. If that means helping you build or rebuild your credit, we have the products designed to fit your needs.

Student Loans

Now you can pay for college the smart way with The Smart Option Student Loan® for Idaho Central Credit Union by Sallie Mae®.

Loan Details