Rates for Deposit, Loan, Business, and CD | Idaho Central Credit Union

Deposit Rates
Loan Rates
Business Rates

Deposit Rates

Personal CD

Term	APY*	Interest Rate	Initial Deposit
6 Month Promo CD	2.150%	2.150%	$500
12 Month Promo CD	4.000%	3.941%	$500
18 Month Promo CD	3.500%	3.454%	$500
24 Month Promo CD	4.450%	4.377%	$500
60 Month Promo CD	3.750%	3.698%	$500
3 Month CD	0.050%	0.050%	$500
6 Month CD	0.200%	0.200%	$500
1 Year CD	0.400%	0.399%	$500
18 Month CD	0.450%	0.449%	$500
2 Year CD	0.500%	0.499%	$500
3 Year CD	0.550%	0.548%	$500
4 Year CD	0.600%	0.598%	$500
5 Year CD	0.750%	0.747%	$500

A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
*APY - Annual Percentage Yield
Rates valid for Saturday, December 3, 2022.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Money Market Checking Account

Balance	APY*	Interest Rate
0-2,499	0.000%	0.000%
2,500-24,999	0.050%	0.049%
25,000-49,999	0.100%	0.099%
50,000-99,999	0.100%	0.099%
100,000+	0.100%	0.099%

Money Market Savings Account

Balance	APY*	Interest Rate
0-2,499	0.000%	0.000%
2,500-24,999	0.200%	0.199%
25,000-49,999	0.250%	0.249%
50,000-99,999	0.350%	0.349%
100,000+	0.450%	0.449%

*APY - Annual Percentage Yield
Rates valid for Saturday, December 3, 2022.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Share Savings Account

Balance	APY*	Interest Rate
0-299	0.000%	0.000%
300+	0.050%	0.049%

Secondary Savings Account

Balance	APY*	Interest Rate
0-299	0.000%	0.000%
300+	0.050%	0.049%

Central Cents Savings Account

Balance	APY*	Interest Rate
0.01+	0.100%	0.099%

Choice Savings Account

Balance	APY*	Interest Rate
0-1,499	0.100%	0.099%
1,500+	0.150%	0.149%

Youth Savings Account

Balance	APY*	Interest Rate
0-299	0.050%	0.049%
300-1,499	0.100%	0.099%
1,500+	0.150%	0.149%

High-Yield Online Savings Account

Balance	APY*	Interest Rate
0-999	0.000%	0.000%
1,000-24,999	2.750%	2.715%
25,000-49,999	2.750%	2.715%
50,000-99,999	2.750%	2.715%
100,000-249,999	2.750%	2.715%
250,000+	2.750%	2.715%

Health Savings Account

Balance	APY*	Interest Rate
0-2,499	0.150%	0.149%
2,500-24,999	0.150%	0.149%
25,000+	0.150%	0.149%

Idaho Medical Savings Account

Balance	APY*	Interest Rate
0-2,499	0.100%	0.099%
2,500-24,999	0.100%	0.099%
25,000+	0.100%	0.099%

Coverdell Education Savings Account

Balance	APY*	Interest Rate
0-299	0.100%	0.099%
300+	0.150%	0.149%

Idaho First-Time Home Buyer Savings

Balance	APY*	Interest Rate
0-2,499	0.150%	0.149%
2,500-24,999	0.150%	0.149%
25,000+	0.150%	0.149%

*APY - Annual Percentage Yield
Rates valid for Saturday, December 3, 2022.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

IRA Savings Account

Balance	APY*	Interest Rate
0-299	0.100%	0.099%
300+	0.150%	0.149%

IRA Money Market Savings Account

Balance	APY*	Interest Rate
0-2,499	0.000%	0.000%
2,500-24,999	0.200%	0.199%
25,000-49,999	0.250%	0.249%
50,000-99,999	0.350%	0.349%
100,000+	0.450%	0.449%

IRA Certificate of Deposit Account

Term	APY*	Interest Rate	Initial Deposit
6 Month Promo CD	2.150%	2.150%	$500
12 Month Promo CD	4.000%	3.941%	$500
18 Month Promo CD	3.500%	3.454%	$500
24 Month Promo CD	4.450%	4.377%	$500
60 Month Promo CD	3.750%	3.698%	$500
3 Month CD	0.050%	0.050%	$500
6 Month CD	0.200%	0.200%	$500
1 Year CD	0.400%	0.399%	$500
18 Month CD	0.450%	0.449%	$500
2 Year CD	0.500%	0.499%	$500
3 Year CD	0.550%	0.548%	$500
4 Year CD	0.600%	0.598%	$500
5 Year CD	0.750%	0.747%	$500

Loan Rates

Auto

Age of Vehicle	Loan Term	Interest Rate*
2020 or newer	48 months	5.840%
2020 or newer	60 months	5.890%
2020 or newer	72 months	6.190%
2017-2019	48 months	6.040%
2017-2019	60 months	6.090%
2017-2019	72 months	6.390%
2014-2016	48 months	6.490%
2011-2013	48 months	7.790%

Recreational Vehicles

Age of Vehicle	Loan Term	Interest Rate*
2020 or newer	120 months	7.590%
2020 or newer	144 months	8.040%

Watercraft

Age of Vehicle	Loan Term	Interest Rate*
2020 or newer	120 months	7.590%
2020 or newer	144 months	8.040%

Off-Road

Age of Vehicle	Loan Term	Interest Rate*
2020 or newer	60 months	8.540%
2017-2019	36 months	8.590%
2017-2019	48 months	9.090%
2013-2016	60 months	9.740%

Street Motorcycle

Age of Vehicle	Loan Term	Interest Rate*
2020 or newer	60 months	7.290%
2017-2019	60 months	9.590%
2013-2016	60 months	9.740%

*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, December 3, 2022.

Visa Credit Cards

Type	APR*	Grace Period for Purchases	Annual Fee
Premier Rewards	Variable rate as low as 16.49%	20 to 25 days	None
Rewards	Variable rate as low as 12.49%	20 to 25 days	None
Variable-Rate Platinum	Variable rate as low as 11.49%	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, December 3, 2022.

Signature Loans

Loan Term	Rate*
12 Months	9.890%
24 Months	9.890%
36 Months	10.590%
48 Months	10.790%
60 Months	10.990%
72 Months	11.490%

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 Saturday, December 3, 2022.

Home Equity Loans

Type	Rate*	APR
Home Equity Line of Credit	7.500%	7.500%

*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, December 3, 2022.

Home Loans

Loan	Interest Rate	APR*
15 year Fixed Rate - Purchase	5.625%	5.856%
30 year Fixed Rate - Purchase	6.250%	6.481%
15 year Fixed Rate - Refinance	5.625%	5.856%
30 year Fixed Rate - Refinance	6.250%	6.481%
ARM 5 year	5.750%	5.981%
ARM 7 year	6.000%	6.231%
ARM 10 year	6.250%	6.481%
ARM First-Time Homebuyer 100% Financed	6.250%	6.481%
Construction Loan	6.500%	6.731%
FHA 30 Year Fixed Rate	6.125%	6.546%
Freedom Mortgage - Existing ICCU Loan	6.040%	6.040%
Freedom Mortgage - New to ICCU	5.640%	5.640%
Jumbo Purchase	6.240%	6.436%
USDA RD 30 Year Fixed Rate	6.125%	6.807%
VA 30 Year Fixed Rate	6.125%	6.438%

*APR - Annual Percentage Rate
*Your rate and/or term may vary depending on credit history and underwriting criteria.
Rates valid for Saturday, December 3, 2022.

Business Rates

Business CDs

Term	APY*	Interest Rate	Initial Deposit
6 Month Promo CD	2.150%	2.150%	$500
12 Month Promo CD	4.000%	3.941%	$500
18 Month Promo CD	3.500%	3.454%	$500
24 Month Promo CD	4.450%	4.377%	$500
60 Month Promo CD	3.750%	3.698%	$500
3 Month CD	0.050%	0.050%	$500
6 Month CD	0.200%	0.200%	$500
1 Year CD	0.400%	0.399%	$500
18 Month CD	0.450%	0.449%	$500
2 Year CD	0.500%	0.499%	$500
3 Year CD	0.550%	0.548%	$500
4 Year CD	0.600%	0.598%	$500
5 Year CD	0.750%	0.747%	$500

A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.

*APY - Annual Percentage Yield
Rates valid for Saturday, December 3, 2022.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Business Money Market Checking Account

Balance	APY*	Interest Rate
0-2,499	0.000%	0.000%
2,500-24,999	0.100%	0.099%
25,000-49,999	0.150%	0.149%
50,000-99,999	0.150%	0.149%
100,000-249,999	0.150%	0.149%
250,000+	0.150%	0.149%

Business Premium Money Market Savings Account

Balance	APY*	Interest Rate
0-2,499	0.000%	0.000%
2,500-24,999	0.200%	0.199%
25,000-49,999	0.250%	0.249%
50,000-99,999	0.300%	0.299%
100,000-249,999	0.350%	0.349%
250,000+	0.550%	0.548%

*APY - Annual Percentage Yield
Rates valid for Saturday, December 3, 2022.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Business Visa Credit Cards

Type	APR*	Grace Period for Purchases	Annual Fee
Business Premier Rewards	Variable rate as low as 16.49%	20 to 25 days	$95.00, after the first year.
Business Visa Rewards	Variable rate as low as 12.49%	20 to 25 days	None
Business Visa Platinum	Variable rate as low as 11.49%	20 to 25 days	None

*APR - Annual Percentage Rate
Rates valid for Saturday, December 3, 2022.

Business Share Savings Rates

Balance	APY*	Interest Rate
0-299	0.000%	0.000%
300+	0.050%	0.049%

Business Secondary Savings Rates

Balance	APY*	Interest Rate
0-299	0.000%	0.000%
300+	0.050%	0.049%

*APY - Annual Percentage Yield
Rates valid for Saturday, December 3, 2022.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.