Idaho Central American Falls ID Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Idaho Central, your trusted financial partner in the heart of American Falls, ID! Located at 246 Idaho St, our branch has been serving the community since 1940. With a proud history and a commitment to our members, we are here to help you achieve your financial goals. As of now, we proudly support over 656,000 members with total assets reaching an impressive $11,696,566,096. At Idaho Central, we focus on providing personalized services that cater to your needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage financing, we've got you covered. Our dedicated team of 1,845 employees, led by our CEO Brenda Worrell and Board President Debbie McIntier, is always ready to assist you in navigating your financial journey. While members can visit us at our branch for all their banking needs, official correspondence should be sent to 246 Idaho St., American Falls, ID 83211. We invite you to explore how we can enhance your financial experience. With total deposits amounting to $429,322,359 and a net worth of $1,025,743,094, you can rest assured that your finances are in safe hands. Our commitment extends beyond numbers; we strive to make a positive impact within our community. Want to learn more? Give us a call at 208-478-3300 or visit our website at iccu.com today! Join us as we continue building a brighter future for our members and the community.

Branch History & Mission

Idaho Central, located at 246 Idaho St in American Falls, ID, has a proud history that dates back to its founding in 1940. Over the years, we have grown from a small cooperative to a key financial resource for our community, currently serving over 656,000 members with total assets exceeding $11.6 billion. This remarkable journey reflects our commitment to helping individuals and families achieve their financial goals. Our mission at Idaho Central is simple yet profound: we strive to provide accessible financial services while fostering a spirit of community support. We understand that every member's needs are unique, and we work tirelessly to offer personalized solutions that empower them. Whether it's through our various banking services such as checking and savings accounts, auto loans, or mortgage financing, we are dedicated to making banking easy and beneficial for everyone. While members can visit us at our branch address in American Falls, official correspondence should be sent to the same address: 246 Idaho St., American Falls, ID 83211. Our location is not only convenient but also central to the community, making it easy for you to stop by during our operating hours of Monday through Friday from 9:00 AM to 6:00 PM. At Idaho Central, we are committed to embracing modern technology. Our digital banking options include online and mobile banking services, providing members with the flexibility to manage their finances on-the-go. Our branch features an ATM for cash withdrawals and balance checks along with drive-thru banking services for quick transactions. We believe that being part of a credit union means more than just financial transactions; it's about building strong relationships within our community. We regularly engage in outreach efforts and partner with local organizations to support initiatives that uplift those around us. As we continue on this journey together, we invite you to join Idaho Central. Experience firsthand the benefits of membership in a credit union dedicated to your success. Visit our website at iccu.com or call us at 208-478-3300 today!

Branch Location & Accessibility

Accessibility Features

At Idaho Central, we prioritize accessibility for all our members. Our branch is ADA compliant, featuring ramps and other amenities to ensure everyone can access our services comfortably. We also offer ample parking so you can visit us without hassle.

Address and Correspondence

While you can visit us at 246 Idaho St for all your banking services, please note that any official correspondence should be sent to the same address as well. This ensures your communications are handled promptly and efficiently.

Call to Action

Ready to experience exceptional banking? We invite you to stop by our American Falls branch or give us a call at 208-478-3300 if you have any questions. We look forward to serving you!

Operating Hours

We're here to serve you Monday through Friday from 9:00 AM to 6:00 PM. Our friendly staff is ready to assist you with anything from opening a new account to discussing loan options.

Services Offered

Idaho Central provides a range of services tailored to meet your financial needs. Enjoy personal banking options like checking and savings accounts, auto loans, and credit cards with rewards. For businesses, we offer merchant services and business loans. Plus, with our ATM availability and drive-thru banking service, managing your finances has never been easier!

Member Eligibility

At Idaho Central, we believe that becoming a member is like joining a caring family where your financial well-being is our priority. If you're looking to enjoy personalized service and community-focused banking, you might be just what we're looking for! To become a member, you need to meet certain eligibility requirements. Generally, if you live, work, worship, or attend school in our local community, you are likely eligible to join us. For a detailed look at all the criteria and to ensure you fit the bill, check out our membership page at https://www.iccu.com/membership/ . Getting started with us is simple! Opening an account at Idaho Central can be done online in just a few easy steps. Whether you're interested in checking and savings accounts, loans, or other services tailored for your needs, we're here to guide you through the process. If you have any questions or need assistance, don't hesitate to call us at (208) 478-3300. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Financing Solutions for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2,502 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $8 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,201,961,525, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

In addition to loans, our merchant services simplify transactions so you can focus on what matters most growing your business. Whether it's setting up payment processing or managing cash flow, we're here to ensure you have the tools you need to thrive. Visit us at 246 Idaho St American Falls Id 83211 in American Falls, ID or give us a call at (208) 478-3300 to learn how our business banking services can benefit you today!

Comprehensive List Of Services

Connect With Us

We invite you to explore all that we have to offer at Idaho Central. Our friendly staff is ready to assist you during lobby hours from Monday through Friday between 9:00 AM and 6:00 PM. For any questions or if you'd like more information about how we can assist with your financial journey, don't hesitate to call us at (208) 478-3300. Discover the difference with us today! Visit our website at American Falls or stop by our branch in American Falls, ID. Your financial success starts here!

Digital Convenience

In today's fast-paced world, convenience is key. That's why at Idaho Central, we emphasize our Online & Mobile Banking features. You can easily manage your accounts from anywhere pay bills, transfer funds, or check balances all from the palm of your hand. Plus, with access to ATMs and cash withdrawal services at multiple locations, getting cash when you need it is hassle-free. Our drive-thru service allows for quick banking transactions such as deposits and withdrawals without leaving your vehicle perfect for those busy days when time is tight!

Personal Banking Solutions

For those who want to manage their day-to-day finances with ease, our Personal Banking services offer a variety of options. You can open checking and savings accounts that fit your lifestyle and help you save for future goals. If you're thinking about purchasing a new vehicle, our Auto Loans & Vehicle Financing options make it simple and affordable. Imagine driving off in your dream car with a loan that works for your budget! When it comes to home ownership, our Mortgage Loans & Refinancing services are tailored to meet your needs. We can help you navigate the process, whether you're buying your first home or looking to refinance an existing mortgage for better rates. Additionally, if unexpected expenses arise, our Personal Loans & Debt Consolidation options can provide the relief you need, allowing you to take control of your finances.

Rewards and Business Banking

We also offer Credit Cards with Rewards, giving you the opportunity to earn while you spend on everyday purchases. From cash back on groceries to points for travel, these cards can enhance your spending power. For small business owners, our Business Banking services include both merchant services and business loans tailored to help your venture thrive. Whether you're looking to expand or just starting out, we have solutions that can support your growth.

Digital & Online Banking

Convenient Features

Stay organized with e-statements that keep you updated without the clutter of paper. Sign up for mobile payments to make quick purchases directly from your smartphone no need to carry cash or cards! Our mobile application makes it even easier to keep track of your finances right from your pocket.

Safe and Secure Transactions

Security is our top priority. At Idaho Central, we provide electronic signature authorization for transactions, ensuring that your identity is protected every step of the way. You can enjoy peace of mind knowing that your personal information remains confidential.

Send Money Instantly

Need to send money to a friend? Our person-to-person transfer feature allows you to send funds quickly and securely, making it simple to share expenses or pay back loans. In today's fast-paced world, having access to reliable digital banking tools is essential. At Idaho Central, we are dedicated to providing services that not only meet but exceed your expectations in convenience and security. Experience the freedom of managing your finances with us today!

Your Online Banking Hub

Our online banking platform at https://www.iccu.com/ allows you to check your balances, transfer funds, and pay bills with ease. Whether you're at home or on the go, you can manage your money 24/7 without any hassle. Plus, with our user-friendly interface, navigating through your financial information is a breeze.

Financial Strength

At Idaho Central, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that you want to be part of a credit union that prioritizes your financial well-being, and we are proud to demonstrate our strength through solid financial practices. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. With a net worth of $1,025,743,094, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $877 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $3,438,407,910 in share certificates and $2,855,848,745 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $728,749, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $940,725,170 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant; with $81,646 in used auto loans and $10,143,248,049 in total loans and leases, we support our members' financial goals across various sectors. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1,719 full-time employees and 126 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $92,938,959. Total Share Accounts: 1,356,709, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Idaho Central is your trusted partner. Visit us at 246 Idaho St American Falls Id 83211 or call (208) 478-3300 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,801,572,056 in used vehicle loans and $1,409,788,340 in new vehicle loans already helping members get on the road. Whether you are interested in financing a brand-new model or a reliable pre-owned vehicle, our team is here to assist you every step of the way.

Business Loans

For business owners, our outstanding commercial loans totaling $1,201,961,525 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, we have tailored solutions that support your business goals.

Credit Lines

In addition to our auto and mortgage offerings, we provide various credit lines that help you manage unexpected expenses or fund projects as they arise. With $2,890,714,213 available across various lines of credit, you can find the right solution for your needs. At Idaho Central, we're dedicated to providing personalized service and support throughout your borrowing experience. Our loan specialists are always available to discuss which options might be best for you. For any inquiries or assistance, feel free to reach out at (208) 478-3300 or visit us at 246 Idaho St American Falls Id 83211 in American Falls, ID. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,057,907,555, make buying or refinancing simple. We offer competitive rates and terms tailored to fit your budget. If you're considering refinancing your existing mortgage, our experts can help guide you through eligibility options that may save you money.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $261,654,757 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits designed to maximize your spending power while keeping your finances secure.

Loan Aggregator

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IDAHO CENTRAL

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans