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Idaho Central Credit Union
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    • Checking Accounts
    • Savings Accounts
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    • Business CDs and SEPs
    • Business Visa Cards
    • Business Electronic Services
  • Loans
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Rates

  • Deposit Rates
  • Loan Rates
  • Business Rates

Deposit Rates

  • Certificate of Deposit (CD) Rates
  • Money Market Rates
  • Savings Account Rates
  • IRA Rates
Personal CD
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Term APY* Interest Rate Initial Deposit
6 Month Promo CD 1.500% 1.500% $500
12 Month Promo CD 2.600% 2.575% $500
18 Month Promo CD 2.650% 2.624% $500
24 Month Promo CD 2.750% 2.722% $500
60 Month Promo CD 3.000% 2.966% $500
3 Month CD 0.150% 0.150% $500
6 Month CD 0.300% 0.300% $500
18 Month CD 0.450% 0.449% $500
1 Year CD 0.450% 0.449% $500
2 Year CD 0.500% 0.499% $500
3 Year CD 0.900% 0.896% $500
4 Year CD 1.100% 1.095% $500
5 Year CD 1.250% 1.244% $500

A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
*APY - Annual Percentage Yield
Rates valid for Monday, June 17, 2019.
Money Market Checking Account
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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 + 0.200% 0.199%

Money Market Savings Account
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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 + 0.400% 0.399%
*APY - Annual Percentage Yield
Rates valid for Monday, June 17, 2019.
Share Savings Account
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Balance APY* Interest Rate
0 - 299 0.000% 0.000%
300 + 0.100% 0.099%

Central Cents Savings Account
Balance APY* Interest Rate
0.01 + 0.100% 0.099%

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

Choice Savings Account
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Balance APY* Interest Rate
0 - 1,499 0.100% 0.099%
1,500 + 0.200% 0.199%

Health Savings Account
Balance APY* Interest Rate
0 - 2,499 0.200% 0.199%
2,500 - 24,999 0.300% 0.299%
25,000 + 0.450% 0.449%
*APY - Annual Percentage Yield
Rates valid for Monday, June 17, 2019.
IRA Share Savings Account
Balance APY* Interest Rate
0 - 299 0.100% 0.099%
300 + 0.200% 0.199%

IRA Money Market Savings Account
Balance APY* Interest Rate
0-2,499 0.100% 0.099%
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 + 0.400% 0.399%

IRA Certificate of Deposit Account
Term APY* Interest Rate Initial Deposit
6 Month Promo CD 1.500% 1.500% 500
12 Month Promo CD 2.600% 2.575% 500
18 Month Promo CD 2.650% 2.624% 500
24 Month Promo CD 2.750% 2.722% 500
60 Month Promo CD 3.000% 2.966% 500
3 Month CD 0.150% 0.150% 500
6 Month CD 0.300% 0.300% 500
1 Year CD 0.450% 0.449% 500
18 Month CD 0.450% 0.449% 500
2 Year CD 0.500% 0.499% 500
3 Year CD 0.900% 0.896% 500
4 Year CD 1.100% 1.095% 500
5 Year CD 1.250% 1.244% 500

A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
*APY - Annual Percentage Yield
Rates valid for Monday, June 17, 2019.

Loan Rates

  • Mortgage Rates
  • Auto/RV Loan Rates
  • Visa Rates
  • Consumer Loan Rates
  • Home Equity Rates
Auto Rates
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Age of Vehicle Loan Term Interest Rate* Pmt/$1,000
2017 or newer 24 months 4.590% $45.62
2017 or newer 36 months 4.590% $31.73
2017 or newer 48 months 5.040% $25.03
2017 or newer 60 months 5.090% $20.93
2017 or newer 72 months 5.390% $18.35
2017 or newer 84 months 6.390% $16.94
2014-2016 24 months 4.990% $45.80
2014-2016 36 months 4.990% $31.92
2014-2016 48 months 5.240% $25.12
2014-2016 60 months 5.290% $21.03
2014-2016 72 months 5.590% $18.45
2014-2016 84 months 6.590% $17.04
2011-2013 24 months 5.490% $46.03
2011-2013 36 months 5.490% $32.15
2011-2013 48 months 5.690% $25.34
2011-2013 60 months 6.690% $21.72
2011-2013 72 months 7.690% $19.53
2008-2010 24 months 5.990% $46.26
2008-2010 36 months 5.990% $32.39
2008-2010 48 months 6.990% $25.97
2008-2010 60 months 7.990% $22.37
2004-2007 24 months 6.990% $46.73
2004-2007 36 months 6.990% $32.86
2004-2007 48 months 7.990% $26.46
2003-Older 24 months 11.990% $49.22
2003-Older 36 months 11.990% $35.42

Small Recreational Vehicles
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Age of Vehicle Loan Term Interest Rate* Pmt/$1,000
2017 or newer 36 months 6.490% $32.62
2017 or newer 48 months 6.490% $25.73
2017 or newer 60 months 7.490% $22.12
2017 or newer 72 months 7.490% $19.42
2017 or newer 84 months 8.250% $17.93
2014-2016 36 months 7.040% $32.88
2014-2016 48 months 7.540% $26.24
2014-2016 60 months 8.040% $22.40
2014-2016 72 months 8.290% $19.84
2010-2013 36 months 7.190% $32.96
2010-2013 48 months 7.690% $26.31
2010-2013 60 months 8.190% $22.48
2005-2009 36 months 8.690% $33.68
2005-2009 48 months 9.190% $27.06
2004-Older 36 months 13.990% $36.42
2004-Older 48 months 13.990% $29.65

Large Recreational Vehicles
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Age of Vehicle Loan Term Interest Rate* Pmt/$1,000
2017 or newer 120 months 6.090% $13.41
2017 or newer 144 months 6.540% $12.42
2017 or newer 180 months 7.290% $11.71
2017 or newer 48 months 5.740% $25.36
2017 or newer 60 months 5.740% $21.25
2017 or newer 72 months 5.790% $18.55
2017 or newer 84 months 5.790% $16.63
2014-2016 120 months 7.550% $14.24
2014-2016 144 months 7.750% $13.14
2014-2016 48 months 6.300% $25.63
2014-2016 60 months 6.300% $21.52
2014-2016 72 months 7.050% $19.20
2014-2016 84 months 7.350% $17.45
2010-2013 120 months 7.700% $14.32
2010-2013 48 months 6.450% $25.71
2010-2013 60 months 6.450% $21.60
2010-2013 72 months 7.200% $19.27
2010-2013 84 months 7.500% $17.53
2005-2009 48 months 7.150% $26.05
2005-2009 60 months 7.150% $21.95
2005-2009 72 months 8.040% $19.71
2005-2009 84 months 8.340% $17.98
2004-Older 48 months 13.990% $29.65

Street Motorcycle
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Age of Vehicle Loan Term Interest Rate* Pmt/$1,000
2017 or newer 36 months 5.050% $31.95
2017 or newer 48 months 5.240% $25.12
2017 or newer 60 months 5.740% $21.25
2017 or newer 72 months 6.740% $19.04
2017 or newer 84 months 8.240% $17.92
2014-2016 36 months 5.740% $32.27
2014-2016 48 months 6.240% $25.61
2014-2016 60 months 6.490% $21.62
2014-2016 72 months 6.990% $19.16
2014-2016 84 months 8.390% $18.01
2010-2013 36 months 5.890% $32.34
2010-2013 48 months 6.390% $25.68
2010-2013 60 months 6.640% $21.69
2005-2009 36 months 7.390% $33.05
2005-2009 48 months 7.890% $26.41
2004-Older 36 months 13.990% $36.42
2004-Older 48 months 13.990% $29.65


*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, June 17, 2019.

Visa Credit Cards
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Type APR* Grace Period for Purchases Annual Fee
Premier Rewards Variable rate as low as 14.99% 20 to 25 days None
Rewards Variable rate as low as 10.99% 20 to 25 days None
Variable-Rate Platinum Variable rate as low as 9.99% 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 Monday, June 17, 2019.
Signature Loans
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Rate* Loan Term Pmt/$1,000
11.640% 24 Months $49.09
12.340% 36 Months $35.59
12.540% 48 Months $28.89
12.740% 60 Months $25.00

Share Secured Loans
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Type Rate*
Share Secured 5.00%
CD Secured 5.00%


*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, June 17, 2019.

Home Equity Loans
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Type Rate* APR
Home Equity Line of Credit 5.500% 5.500%

*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, June 17, 2019.

Home Loans
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Loan Interest Rate APR*
15 Year Fixed Rate 3.125% 3.356%
30 Year Fixed Rate 3.750% 3.884%
Advantage ARM 3.190% 3.240%
FHA 30 Year Fixed Rate 3.500% 4.595%
Idaho Housing First Loan 3.750% 4.837%
*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, June 17, 2019.

Business Rates

  • Business Certificate of Deposit Rates
  • Business Money Market Rates
  • Business Savings Account Rates
  • Business Visa Credit Cards
  • For Business Loan rates, contact us
Business CDs
Term APY* Interest Rate Initial Deposit
6 Month Promo CD 1.500% 1.500% $500
12 Month Promo CD 2.600% 2.575% $500
18 Month Promo CD 2.650% 2.624% $500
24 Month Promo CD 2.750% 2.722% $500
60 Month Promo CD 3.000% 2.966% $500
3 Month CD 0.150% 0.150% $500
6 Month CD 0.300% 0.300% $500
18 Month CD 0.450% 0.449% $500
1 Year CD 0.450% 0.449% $500
2 Year CD 0.500% 0.499% $500
3 Year CD 0.900% 0.896% $500
4 Year CD 1.100% 1.095% $500
5 Year CD 1.250% 1.244% $500

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

*APY - Annual Percentage Yield
Rates valid for Monday, June 17, 2019.
Business Money Market Checking Account
Balance APY* Interest Rate
0-2,499 0.050% 0.049%
2,500-24,999 0.150% 0.149%
25,000-49,999 0.200% 0.199%
50,000-99,999 0.250% 0.249%
100,000-249,999 0.250% 0.249%
250,000 + 0.300% 0.299%

Business Premium Money Market Savings Account
Balance APY* Interest Rate
0-2,499 0.100% 0.099%
2,500-24,999 0.250% 0.249%
25,000-49,999 0.300% 0.299%
50,000-99,999 0.450% 0.449%
100,000-249,999 0.600% 0.598%
250,000+ 0.650% 0.648%
*APY - Annual Percentage Yield
Rates valid for Monday, June 17, 2019.
Business Visa Credit Cards
Type APR* Grace Period for Purchases Annual Fee
Business Premier Rewards Variable rate as low as 14.99% 20 to 25 days None
Business Visa Rewards Variable rate as low as 10.99% 20 to 25 days None
Business Visa Platinum Variable rate as low as 9.99% 20 to 25 days None

*APR - Annual Percentage Rate
Rates valid for Monday, June 17, 2019.
Business Savings Rates
Balance APY* Interest Rate
0 - 299 0.000% 0.000%
300 + 0.100% 0.099%
*APY - Annual Percentage Yield
Rates valid for Monday, June 17, 2019.

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ABOUT US

Idaho Central is the premier credit union in Idaho and offers full-service locations throughout the Treasure Valley, Magic Valley, Eastern Idaho, and North Idaho. While growth is vital to our success, we remain focused on our mission, “Helping members achieve financial success.”

Routing Number: 324173626 NMLS ID: 433926

Idaho Central Credit Union is federally insured by the National Credit Union Administration.
© 2019 Idaho Central Credit Union. All rights reserved.