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
2021 or newer 48 7.740%
2021 or newer 60 7.790%
2021 or newer 72 8.090%
2018-2020 48 7.940%
2018-2020 60 7.990%
2018-2020 72 8.290%
2015-2017 48 8.390%
2012-2014 48 9.690%
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, November 28 2023

Recreational Vehicles

Age of Vehicle Loan Term Interest Rate
2021 or newer 120 10.090%
2021 or newer 144 10.540%

*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, November 28 2023

Watercraft

Age of Vehicle Loan Term Interest Rate
2021 or newer 120 10.090%
2021 or newer 144 10.540%

*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, November 28 2023

Off-Road

Age of Vehicle Loan Term Interest Rate
2021 or newer 48 9.790%
2021 or newer 60 10.790%
2018-2020 36 10.840%
2018-2020 48 11.340%
2014-2017 60 11.990%

*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, November 28 2023

Street Motorcycle

Age of Vehicle Loan Term Interest Rate
2021 or newer 60 9.540%
2018-2020 60 11.840%
2014-2017 60 11.990%

*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, November 28 2023

Trailer Rates

Age of Vehicle Loan Term Interest Rate
2021 or newer 120 10.090%
2021 or newer 144 10.540%

*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, November 28 2023

Visa Credit Cards

Type APR* Grace Period for Purchases Annual Fee
Premier Rewards variable rate as low as 17.99% 20 to 25 days None
Rewards variable rate as low as 13.99% 20 to 25 days None
Variable-Rate Platinum variable rate as low as 12.99% 20 to 25 days None
Fixed-Rate Platinum fixed rate as low as 16.99% 20 to 25 days None

*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, November 28 2023

Signature Loans

Type Rate*
12 Months 11.690%
24 Months 11.690%
36 Months 12.390%
48 Months 12.590%
60 Months 12.790%
72 Months 13.290%
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, November 28, 2023

Share Secured Loans

Type Rate*
Share Secured 3.095%
CD Secured 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, November 28, 2023

Home Equity Loans

Loan Interest Rate APR
Home Equity Line of Credit 8.500% 8.500%

*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, November 28 2023

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