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	0.450%	0.450%	$500
12 Month Promo CD	0.550%	0.548%	$500
24 Month Promo CD	0.650%	0.648%	$500
60 Month Promo CD	0.950%	0.946%	$500
3 Month CD	0.050%	0.050%	$500
6 Month CD	0.100%	0.100%	$500
18 Month CD	0.200%	0.199%	$500
1 Year CD	0.150%	0.149%	$500
2 Year CD	0.250%	0.249%	$500
3 Year CD	0.400%	0.399%	$500
4 Year CD	0.500%	0.499%	$500
5 Year CD	0.600%	0.598%	$500

A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
*APY - Annual Percentage Yield
Rates valid for Thursday, August 6, 2020.
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	0.100%	0.099%
25,000-49,999	0.150%	0.149%
50,000-99,999	0.200%	0.199%
100,000+	0.250%	0.249%

*APY - Annual Percentage Yield
Rates valid for Thursday, August 6, 2020.
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+	0.100%	0.099%

Secondary Savings Account

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%

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	0.900%	0.896%
25,000 - 49,999	0.900%	0.896%
50,000 - 99,999	0.900%	0.896%
100,000 - 249,999	0.900%	0.896%
250,000+	0.900%	0.896%

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%

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 Thursday, August 6, 2020.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

IRA Share 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	0.050%	0.049%
2,500-24,999	0.100%	0.099%
25,000-49,999	0.150%	0.149%
50,000-99,999	0.200%	0.199%
100,000+	0.250%	0.249%

IRA Certificate of Deposit Account

Term	APY*	Interest Rate	Initial Deposit
6 Month Promo CD	0.450%	0.450%	$500
12 Month Promo CD	0.550%	0.548%	$500
24 Month Promo CD	0.650%	0.648%	$500
60 Month Promo CD	0.950%	0.946%	$500
3 Month CD	0.050%	0.050%	$500
6 Month CD	0.100%	0.100%	$500
1 Year CD	0.150%	0.149%	$500
18 Month CD	0.200%	0.199%	$500
2 Year CD	0.250%	0.249%	$500
3 Year CD	0.400%	0.399%	$500
4 Year CD	0.500%	0.499%	$500
5 Year CD	0.600%	0.598%	$500

Loan Rates

Auto Rates

Age of Vehicle	Loan Term	Interest Rate*
2018 or newer	36 months	2.640%
2018 or newer	48 months	3.090%
2018 or newer	60 months	3.140%
2018 or newer	72 months	3.440%
2018 or newer	84 months	4.440%
2015-2017	48 months	3.290%
2015-2017	60 months	3.340%
2015-2017	72 months	3.640%
2015-2017	84 months	4.700%
2012-2014	48 months	3.740%
2009-2011	48 months	5.040%

Small Recreational Vehicles

Age of Vehicle	Loan Term	Interest Rate*
2018 or newer	48 months	4.690%
2018 or newer	72 months	5.690%
2018 or newer	84 months	6.450%
2015-2017	36 months	5.740%

Large Recreational Vehicles

Age of Vehicle	Loan Term	Interest Rate*
2018 or newer	120 months	4.590%
2018 or newer	144 months	5.040%

Street Motorcycle

Age of Vehicle	Loan Term	Interest Rate*
2018 or newer	60 months	4.240%
2015-2017	60 months	6.540%
2011-2014	60 months	6.690%

*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
Rates valid for Thursday, August 6, 2020.

Visa Credit Cards

Type	APR*	Grace Period for Purchases	Annual Fee
Premier Rewards	Variable rate as low as 12.74%	20 to 25 days	None
Rewards	Variable rate as low as 8.74%	20 to 25 days	None
Variable-Rate Platinum	Variable rate as low as 7.74%	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 Thursday, August 6, 2020.

Signature Loans

Rate*	Loan Term
10.890%	12 Months
10.890%	24 Months
11.590%	36 Months
11.790%	48 Months
11.990%	60 Months
12.490%	72 Months

Share Secured Loans

Type	Rate*
Share Secured	4.25%
CD Secured	4.25%

*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 Thursday, August 6, 2020.

Home Equity Loans

APPLY NOW

Type	Rate*	APR
Home Equity Line of Credit	3.250%	3.250%

*The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria.
Rates valid for Thursday, August 6, 2020.

Home Loans

APPLY NOW

Loan	Interest Rate	APR*
15 year Fixed Rate - Purchase	1.875%	2.141%
15 year Fixed Rate - Refinance	2.750%	3.028%
30 year Fixed Rate - Purchase	2.375%	2.521%
30 year Fixed Rate - Refinance	3.250%	3.406%
Advantage ARM	2.999%	3.718%
Construction Loan	3.375%	3.533%
FHA 30 Year Fixed Rate	2.250%	2.423%
Freedom Mortgage	3.190%	3.190%
Idaho Housing First Loan	3.000%	3.558%
Land Loan	5.990%	6.364%
VA 30 Year Fixed Rate	2.375%	2.780%

*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 Thursday, August 6, 2020.

Business Rates

Business CDs

Term	APY*	Interest Rate	Initial Deposit
6 Month Promo CD	0.450%	0.450%	$500
12 Month Promo CD	0.550%	0.548%	$500
24 Month Promo CD	0.650%	0.648%	$500
60 Month Promo CD	0.950%	0.946%	$500
3 Month CD	0.050%	0.050%	$500
6 Month CD	0.100%	0.100%	$500
18 Month CD	0.200%	0.199%	$500
1 Year CD	0.150%	0.149%	$500
2 Year CD	0.250%	0.249%	$500
3 Year CD	0.400%	0.399%	$500
4 Year CD	0.500%	0.499%	$500
5 Year CD	0.600%	0.598%	$500

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

*APY - Annual Percentage Yield
Rates valid for Thursday, August 6, 2020.
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	0.050%	0.049%
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	0.100%	0.099%
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	0.300%	0.299%
250,000+	0.350%	0.349%

*APY - Annual Percentage Yield
Rates valid for Thursday, August 6, 2020.
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 12.74%	20 to 25 days	None
Business Visa Rewards	Variable rate as low as 8.74%	20 to 25 days	None
Business Visa Platinum	Variable rate as low as 7.74%	20 to 25 days	None

*APR - Annual Percentage Rate
Rates valid for Thursday, August 6, 2020.

Business Share Savings Rates

Balance	APY*	Interest Rate
0 - 299	0.000%	0.000%
300+	0.100%	0.099%

*APY - Annual Percentage Yield
Rates valid for Thursday, August 6, 2020.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.