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Idaho Central Credit Union
  • Personal
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    • Savings Accounts
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    • Certificates of Deposit (CDs)
    • Individual Retirement Accounts (IRA)
    • Visa Credit Cards
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    • Business Relief
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    • Business Checking
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    • Business CDs and SEPs
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    • Business Loans
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Rates
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  • Personal
    • Checking Accounts
    • Savings Accounts
    • Youth Accounts
    • Certificates of Deposit (CDs)
    • Individual Retirement Accounts (IRA)
    • Visa Credit Cards
  • Business
    • Business Relief
    • Paycheck Protection Program
    • Business Banking
    • Business Checking
    • Business Savings
    • Business CDs and SEPs
    • Business Visa Cards
    • Business Loans
    • Business Services
  • Loans
    • Personal
    • Business
  • Electronic Services
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    • Anytime Access
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    • Mobile Banking
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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
Term APY* Interest Rate Initial Deposit
6 Month Promo CD 0.250% 0.250% $500
12 Month Promo CD 0.350% 0.349% $500
24 Month Promo CD 0.450% 0.449% $500
60 Month Promo CD 0.750% 0.747% $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 0.300% 0.299% $500
4 Year CD 0.350% 0.349% $500
5 Year CD 0.450% 0.449% $500

A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
*APY - Annual Percentage Yield
Rates valid for Friday, January 15, 2021.
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 0.150% 0.149%
100,000+ 0.200% 0.199%
*APY - Annual Percentage Yield
Rates valid for Friday, January 15, 2021.
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 0.500% 0.498%
25,000 - 49,999 0.500% 0.498%
50,000 - 99,999 0.500% 0.498%
100,000 - 249,999 0.500% 0.498%
250,000+ 0.500% 0.498%
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 Friday, January 15, 2021.
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 0.050% 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 0.250% 0.250% $500
12 Month Promo CD 0.350% 0.349% $500
24 Month Promo CD 0.450% 0.449% $500
60 Month Promo CD 0.750% 0.747% $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 0.300% 0.299% $500
4 Year CD 0.350% 0.349% $500
5 Year CD 0.450% 0.449% $500

A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
*APY - Annual Percentage Yield
Rates valid for Friday, January 15, 2021.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Loan Rates

  • Mortgage Rates
  • Auto/RV Loan Rates
  • Visa Rates
  • Consumer Loan Rates
  • Home Equity Rates
Auto Rates
Age of Vehicle Loan Term Interest Rate*
2018 or newer 36 months 2.390%
2018 or newer 48 months 2.840%
2018 or newer 60 months 2.890%
2018 or newer 72 months 3.190%
2018 or newer 84 months 4.190%
2015-2017 48 months 3.040%
2015-2017 60 months 3.090%
2015-2017 72 months 3.390%
2015-2017 84 months 4.450%
2012-2014 48 months 3.490%
2009-2011 48 months 4.790%

Small Recreational Vehicles
Age of Vehicle Loan Term Interest Rate*
2018 or newer 48 months 4.440%
2018 or newer 72 months 5.440%
2018 or newer 84 months 6.200%
2015-2017 36 months 5.490%

Large Recreational Vehicles
Age of Vehicle Loan Term Interest Rate*
2018 or newer 120 months 4.340%
2018 or newer 144 months 4.790%

Street Motorcycle
Age of Vehicle Loan Term Interest Rate*
2018 or newer 60 months 3.990%
2015-2017 60 months 6.290%
2011-2014 60 months 6.440%


*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 Friday, January 15, 2021.

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 Friday, January 15, 2021.
Signature Loans
Rate* Loan Term
8.890% 12 Months
8.890% 24 Months
9.590% 36 Months
9.790% 48 Months
9.990% 60 Months
10.490% 72 Months

Share Secured Loans
Type Rate*
Share Secured 3.900%
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 Friday, January 15, 2021.

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 and/or term may vary depending on credit history and underwriting criteria.
Rates valid for Friday, January 15, 2021.

Home Loans
APPLY NOW
Loan Interest Rate APR*
15 year Fixed Rate - Purchase 2.000% 2.267%
15 year Fixed Rate - Refinance 2.500% 2.774%
30 year Fixed Rate - Purchase 2.625% 2.774%
30 year Fixed Rate - Refinance 3.000% 3.153%
Advantage ARM 2.999% 3.718%
Construction Loan 3.250% 3.406%
FHA 30 Year Fixed Rate 2.375% 2.669%
Freedom Mortgage - Existing ICCU Loan 3.190% 3.190%
Freedom Mortgage - New to ICCU 2.790% 2.790%
Idaho Housing First Loan 2.375% 2.669%
Jumbo Purchase 2.890% 2.949%
Land Loan 5.990% 6.364%
USDA RD 30 Year Fixed Rate 2.375% 2.816%
VA 30 Year Fixed Rate 2.375% 2.654%
*APR - Annual Percentage Rate
*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 Friday, January 15, 2021.

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 0.250% 0.250% $500
12 Month Promo CD 0.350% 0.349% $500
24 Month Promo CD 0.450% 0.449% $500
60 Month Promo CD 0.750% 0.747% $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 0.300% 0.299% $500
4 Year CD 0.350% 0.349% $500
5 Year CD 0.450% 0.449% $500

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

*APY - Annual Percentage Yield
Rates valid for Friday, January 15, 2021.
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 0.200% 0.199%
100,000-249,999 0.250% 0.249%
250,000+ 0.250% 0.249%
*APY - Annual Percentage Yield
Rates valid for Friday, January 15, 2021.
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 Friday, January 15, 2021.
Business Share Savings Rates
Balance APY* Interest Rate
0 - 299 0.000% 0.000%
300+ 0.100% 0.099%
Business Secondary Savings Rates
Balance APY* Interest Rate
0-299 0.000% 0.000%
300+ 0.100% 0.099%
*APY - Annual Percentage Yield
Rates valid for Friday, January 15, 2021.
The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

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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.
© 2021 Idaho Central Credit Union. All rights reserved.