Loan Rates

Whether you are buying a new car or paying for college. With our competitive rates, Idaho Central Credit Union can empower you to get the loan that fits your needs.

Family eating dinner outside their RV

Auto

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2021 or newer Loan Term48 Interest Rate7.490%
Age of Vehicle2021 or newer Loan Term60 Interest Rate7.540%
Age of Vehicle2021 or newer Loan Term72 Interest Rate7.840%
Age of Vehicle2018-2020 Loan Term48 Interest Rate7.690%
Age of Vehicle2018-2020 Loan Term60 Interest Rate7.740%
Age of Vehicle2018-2020 Loan Term72 Interest Rate8.040%
Age of Vehicle2015-2017 Loan Term48 Interest Rate8.140%
Age of Vehicle2012-2014 Loan Term48 Interest Rate9.440%
See all

*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 Tuesday, March 19 2024

Recreational Vehicles

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2021 or newer Loan Term120 Interest Rate9.840%
Age of Vehicle2021 or newer Loan Term144 Interest Rate10.290%

*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 Tuesday, March 19 2024

Watercraft

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2021 or newer Loan Term120 Interest Rate9.840%
Age of Vehicle2021 or newer Loan Term144 Interest Rate10.290%

*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 Tuesday, March 19 2024

Off-Road

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2021 or newer Loan Term48 Interest Rate9.540%
Age of Vehicle2021 or newer Loan Term60 Interest Rate10.540%
Age of Vehicle2018-2020 Loan Term36 Interest Rate10.590%
Age of Vehicle2018-2020 Loan Term48 Interest Rate11.090%
Age of Vehicle2014-2017 Loan Term60 Interest Rate11.740%

*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 Tuesday, March 19 2024

Street Motorcycle

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2021 or newer Loan Term60 Interest Rate9.290%
Age of Vehicle2018-2020 Loan Term60 Interest Rate11.590%
Age of Vehicle2014-2017 Loan Term60 Interest Rate11.740%

*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 Tuesday, March 19 2024

Trailer Rates

Age of Vehicle Loan Term Interest Rate
Age of Vehicle2021 or newer Loan Term120 Interest Rate9.840%
Age of Vehicle2021 or newer Loan Term144 Interest Rate10.290%

*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 Tuesday, March 19 2024

Visa Credit Cards

Type APR* Grace Period for Purchases Annual Fee
TypePremier Rewards APR*variable rate as low as 17.99% Grace Period for Purchases20 to 25 days Annual FeeNone
TypeRewards APR*variable rate as low as 13.99% Grace Period for Purchases20 to 25 days Annual FeeNone
TypeVariable-Rate Platinum APR*variable rate as low as 12.99% Grace Period for Purchases20 to 25 days Annual FeeNone
TypeFixed-Rate Platinum APR*fixed rate as low as 16.99% Grace Period for Purchases20 to 25 days Annual FeeNone

*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 Tuesday, March 19 2024

Signature Loans

Type Rate*
Type12 Months Rate*11.290%
Type24 Months Rate*11.290%
Type36 Months Rate*11.990%
Type48 Months Rate*12.190%
Type60 Months Rate*12.390%
Type72 Months Rate*12.890%
See all

*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 Tuesday, March 19, 2024

Share Secured Loans

Type Rate*
TypeShare Secured Rate*3.095%
TypeCD Secured Rate*3.095%

*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 Tuesday, March 19, 2024

Home Equity Loans

Loan Interest Rate APR
LoanHome Equity Line of Credit Interest Rate8.000% APR8.000%

*The Variable Annual Percentage Rate (APR) listed is currently our best rate and will not exceed 24.00% APR. Variable rate means the rate may change after consummation. Your rate and/or term may vary depending on credit history and underwriting criteria.

Rates valid for Tuesday, March 19 2024

Become a Member

Idaho Central Credit Union was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho or Washington, chances are you can become a member of Idaho Central Credit Union.

Find Out How