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Idaho Central Credit Union
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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 3.250% 3.211% $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 Friday, February 15, 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 0.100% 0.099%
25,000-49,999 0.150% 0.149%
50,000-99,999 0.150% 0.149%
100,000 + 0.200% 0.199%

Premium 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 0.250% 0.249%
100,000 + 0.350% 0.349%
*APY - Annual Percentage Yield
Rates valid for Friday, February 15, 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 Friday, February 15, 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 0.250% 0.249%
100,000 + 0.300% 0.299%

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 3.250% 3.211% 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 Friday, February 15, 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
2016 or newer 24 months 4.590% $45.73
2016 or newer 36 months 4.590% $31.85
2016 or newer 48 months 5.040% $25.15
2016 or newer 60 months 5.090% $21.05
2016 or newer 72 months 5.390% $18.48
2016 or newer 84 months 6.390% $17.08
2013-2015 24 months 4.990% $45.92
2013-2015 36 months 4.990% $32.04
2013-2015 48 months 5.240% $25.25
2013-2015 60 months 5.290% $21.15
2013-2015 72 months 5.590% $18.58
2013-2015 84 months 6.590% $17.18
2010-2012 24 months 5.490% $46.15
2010-2012 36 months 5.490% $32.27
2010-2012 48 months 5.690% $25.46
2010-2012 60 months 6.690% $21.85
2010-2012 72 months 7.690% $19.66
2007-2009 24 months 5.990% $46.38
2007-2009 36 months 5.990% $32.51
2007-2009 48 months 6.990% $26.10
2007-2009 60 months 7.990% $22.51
2007-2009 72 months 8.990% $20.35
2003-2006 24 months 6.990% $46.85
2003-2006 36 months 6.990% $32.98
2003-2006 48 months 7.990% $26.59
2003-2006 60 months 8.990% $23.02
2002 and older 24 months 8.190% $47.41
2002 and older 36 months 9.100% $34.00
2002 and older 48 months 10.100% $27.65
2002 and older 60 months 11.100% $24.13

Small Recreational Vehicles
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Age of Vehicle Loan Term Interest Rate* Pmt/$1,000
2016 or newer 36 months 6.490% $32.75
2016 or newer 48 months 6.490% $25.85
2016 or newer 60 months 7.490% $22.25
2016 or newer 72 months 7.490% $19.56
2016 or newer 84 months 8.250% $18.07
2012-2015 36 months 7.040% $33.01
2012-2015 48 months 7.540% $26.37
2012-2015 60 months 8.040% $22.53
2012-2015 72 months 8.290% $19.98
2008-2011 36 months 7.190% $33.08
2008-2011 48 months 7.690% $26.44
2008-2011 60 months 8.190% $22.61
2008-2011 72 months 8.440% $20.06
2007 or older 36 months 8.690% $33.80
2007 or older 48 months 9.190% $27.19

Large Recreational Vehicles
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Age of Vehicle Loan Term Interest Rate* Pmt/$1,000
2016 or newer 120 months 6.090% $13.55
2016 or newer 144 months 6.540% $12.57
2016 or newer 180 months 7.290% $11.88
2016 or newer 48 months 5.740% $25.49
2016 or newer 60 months 5.740% $21.37
2016 or newer 72 months 5.790% $18.68
2016 or newer 84 months 5.790% $16.76
2012-2015 120 months 7.550% $14.39
2012-2015 144 months 7.750% $13.30
2012-2015 48 months 6.300% $25.76
2012-2015 60 months 6.300% $21.65
2012-2015 72 months 7.050% $19.33
2012-2015 84 months 7.350% $17.59
2008-2011 120 months 7.700% $14.48
2008-2011 48 months 6.450% $25.83
2008-2011 60 months 6.450% $21.73
2008-2011 72 months 7.200% $19.41
2008-2011 84 months 7.500% $17.67
2004-2007 48 months 7.150% $26.18
2004-2007 60 months 7.150% $22.08
2004-2007 72 months 8.040% $19.85
2004-2007 84 months 8.340% $19.96
2003 and older 48 months 8.540% $26.86

Street Motorcycle
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Age of Vehicle Loan Term Interest Rate* Pmt/$1,000
2016 or newer 36 months 5.050% $32.07
2016 or newer 48 months 5.240% $25.25
2016 or newer 60 months 5.740% $21.37
2016 or newer 72 months 6.740% $19.17
2016 or newer 84 months 8.240% $18.07
2012-2015 36 months 5.740% $32.39
2012-2015 48 months 6.240% $25.73
2012-2015 60 months 6.490% $21.75
2012-2015 72 months 6.990% $19.30
2012-2015 84 months 8.390% $18.15
2008-2011 36 months 5.890% $32.46
2008-2011 48 months 6.390% $25.80
2008-2011 60 months 6.640% $21.82
2008-2011 72 months 7.140% $19.38
2007 and older 36 months 7.390% $33.18
2007 and older 48 months 7.890% $26.54


*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 Friday, February 15, 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 Variable rate as low as 13.99% 20 to 25 days None

*APR - Annual Percentage Rate
Rates valid for Friday, February 15, 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 Friday, February 15, 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 Friday, February 15, 2019.

Home Loans
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Loan Interest Rate APR*
15 Year Fixed Rate 3.875% 4.110%
30 Year Fixed Rate 4.375% 4.514%
Advantage ARM 3.790% 3.842%
FHA 30 Year Fixed Rate 4.000% 5.080%
Idaho Housing First Loan 4.250% 5.323%
*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 Friday, February 15, 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 3.250% 3.211% $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 Friday, February 15, 2019.
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 0.200% 0.199%
100,000-249,999 0.200% 0.199%
250,000 + 0.250% 0.249%

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 0.400% 0.399%
100,000-249,999 0.500% 0.498%
250,000+ 0.550% 0.548%
*APY - Annual Percentage Yield
Rates valid for Friday, February 15, 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 Friday, February 15, 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 Friday, February 15, 2019.

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ABOUT US

Idaho Central is the premier credit union in Idaho and offers 36 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.