Idaho Central Boise ID Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Idaho Central, where your financial well-being is our top priority! Located at 401 W Front St, Boise, ID 83702, we have been proudly serving our community since 1940. With a strong commitment to our members, we offer a wide range of services designed to meet your personal and business banking needs. At Idaho Central, we believe in building lasting relationships. We currently support over 656,539 members and manage total assets of an impressive $11,696,566,096. Our focus on member service is evident in our robust offerings, including auto loans, mortgages, credit cards with rewards, and much more. With total deposits reaching $429,322,359, you can trust that your money is in safe hands. While you can visit us at our downtown branch for all your banking needs, official correspondence should be sent to 200 N 4th St, Boise, ID 83702-6001. Our friendly staff is ready to assist you from 8:30 AM to 6:00 PM on weekdays and 9:00 AM to 3:00 PM on Saturdays. If you have any questions or need assistance, feel free to call us at 208-846-7000. Under the leadership of CEO Brenda Worrell and Board President Debbie McIntier, Idaho Central remains dedicated to making a positive impact in our community while ensuring financial growth for our members. With a net worth of $1,025,743,094 and a total loan portfolio exceeding 365,417, we are well-equipped to support your financial journey. Join us today! Visit our website at www.iccu.com or drop by the branch to see how we can help you achieve your financial goals.

Branch History & Mission

Community Engagement

Community outreach is at the heart of what we do. Our partnerships with local organizations help us give back to the community that supports us. From sponsoring youth sports teams to participating in local events, we are dedicated to making a positive impact right here in Boise. While members can visit us at 401 W Front St for all their banking needs during our operating hours Monday through Friday from 8:30 AM to 6:00 PM and Saturday from 9:00 AM to 3:00 PM official correspondence should be sent to 200 N 4th St, Boise, ID 83702-6001.

Join Us

We invite you to become part of the Idaho Central family. Experience firsthand how we can support your financial journey while positively impacting our community together. Visit us today or reach out at 208-846-7000 for more information about joining or accessing our services. Your future starts here!

Our Mission

Idaho Central's mission is simple yet profound: to enhance the lives of our members through quality financial services while fostering strong community connections. We believe that when our members succeed, so does our community. That's why we prioritize not only your financial goals but also support local initiatives that make Boise a better place for everyone. Our commitment extends beyond traditional banking. We embrace modern technology with features like online banking, mobile payments, and electronic signatures to make managing your finances easier than ever. We also ensure accessibility for all by adhering to ADA compliance standards.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important. Our branch is ADA compliant, featuring ramps and designated parking spaces to ensure everyone can easily access our services. Plus, with ample parking available nearby, you won't have to worry about finding a spot.

Come Visit Us!

At Idaho Central, we are committed to making your banking experience as smooth as possible. We invite you to stop by our Downtown Boise branch today and discover how we can help you achieve your financial goals!

Conveniently Located

Nestled near popular local spots, our branch is just a short walk from the vibrant Boise River Greenbelt and close to the bustling downtown area. This central location makes it convenient for you to visit us while enjoying the sights and sounds of the city.

Operating Hours and Services

Our friendly staff is here for you during flexible hours: Monday through Friday from 8:30 AM to 6:00 PM and on Saturdays from 9:00 AM to 3:00 PM. Whether you need help with checking and savings accounts, auto loans, or mortgage refinancing, we're prepared to help guide you every step of the way. For added convenience, we also offer ATM services right at our location, along with drive-thru banking options for those who prefer a quicker visit. Need assistance? Don't hesitate to give us a call at 208-846-7000. While members can visit us at our branch address, official correspondence should be sent to our mailing address at 200 N 4th St, Boise, ID 83702-6001.

Member Eligibility

At Idaho Central, we believe that joining our community is not just about banking it's about becoming part of a supportive family that values your financial well-being. If you're looking to become a member, you'll be pleased to know that eligibility is designed to be inclusive and welcoming. Residents of Idaho, employees of select organizations, and their family members are all encouraged to join us. This means if you live or work in the vibrant state of Idaho, there's a good chance you can benefit from our services. For detailed information on eligibility requirements, feel free to check out our membership page. Once you're ready to take the next step, opening an account with us is simple and straightforward. Just visit our account opening page, and you'll be guided through the process in no time. If you have any questions or need assistance, don't hesitate to reach out at 208-846-7000. We're excited to welcome you into the Idaho Central family, where together we can achieve your financial goals!

Business Banking & Commercial Services

Business Loan Options

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

Imagine having a payment solution that simplifies transactions for both you and your customers. Our merchant services do just that making it easy for you to accept payments seamlessly, whether online or in-person. This not only enhances customer satisfaction but also streamlines your operations, allowing you to focus on what matters most: growing your business. Visit us at 401 W Front St Boise Id 83702 in Boise, ID or call us at (208) 846-7000 to learn more about how our business banking and commercial services can help you thrive.

Comprehensive List Of Services

Community Focused Service

At Idaho Central, we believe in being more than just a financial institution; we're part of the community. Our friendly staff is always ready to assist with any questions or concerns you might have regarding our services. Ready to explore how we can help you? Visit us at 401 W Front St Boise Id 83702 or give us a call at (208) 846-7000 during our operating hours: Monday through Friday from 8:30 AM to 6:00 PM and Saturday from 9:00 AM to 3:00 PM. Experience the difference with Idaho Central where your financial well-being is our priority!

Digital Banking Convenience

In this fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that let you manage your accounts anytime, anywhere. Need cash? Our ATM services allow you to withdraw money or check balances without stepping inside the branch. Plus, with basic drive-thru banking options available for deposits, withdrawals, and simple transactions, getting what you need has never been easier.

Loans and Credit Options

Sometimes life throws unexpected expenses your way. That's where our personal loans and debt consolidation services come into play. We understand that everyone needs a little help now and then, which is why our credit cards come with rewarding perks to make your purchases more beneficial. For business owners, our business banking solutions include merchant services and business loans designed to help you thrive in today's marketplace.

Personal Banking Solutions

Our personal banking services include checking and savings accounts that make it easy to manage your day-to-day finances. Imagine having a reliable place to store your money while earning interest our accounts are designed with you in mind. If you're considering buying a car or need funds for other big purchases, our auto loans and vehicle financing options provide competitive rates that fit your budget. Additionally, for those looking to buy a home or refinance an existing mortgage, we offer tailored mortgage loans that suit various financial situations.

Digital & Online Banking

Key Features

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills with just a few clicks. If you're looking to send money to friends or family, our person-to-person transfer feature makes it simple and secure. Plus, with mobile payments enabled, you can make purchases directly from your smartphone without needing cash or cards. For those who prefer managing their accounts on the go, our mobile application is designed for ease of use. You can download it to enjoy all the features of online banking right in your pocket. And when it comes to account statements, we offer e-statements that you can access whenever you need them no more waiting for paper statements in the mail.

Security and Accessibility

Your security is our priority. With electronic signature authorization available, signing documents online is both safe and straightforward. Rest assured that your personal information is protected as you navigate through our services. By choosing Idaho Central, you're not just getting banking; you're gaining a reliable partner that prioritizes accessibility and real-time account management. Join us today and experience hassle-free banking tailored to fit your lifestyle!

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 are committed to maintaining a solid foundation that ensures your trust and confidence in our services. Sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results, our financial data showcases our strength and resilience in the ever-changing economic landscape. 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 supports your financial goals across various sectors with $81,646 in used auto loans and an impressive total of $10,143,248,049 in loans and leases. Our operational efficiency is reflected by our net income of $0, which means we can focus on delivering competitive loan rates and solid financial products tailored for you. 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 and committed team. Net Shares available for lending and investments stand at $92,938,959, while our total share accounts number at an impressive 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 401 W Front St Boise Id 83702 or call 208-846-7000 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. We provide financing for both new and used vehicles so you can find the right option that fits your budget.

Credit Lines

Our total credit lines amounting to $2,890,714,213 provide additional flexibility for those who need it. Whether you're planning a big purchase or just want peace of mind for unexpected expenses, our credit lines can be an excellent solution.

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 flexible terms to help you secure the home of your dreams.

Refinancing Options

If you're considering refinancing any existing loans or mortgages you have elsewhere, we invite you to explore our options. Refinancing could potentially lower your monthly payments or help you access cash for other financial needs. For any inquiries or further information about our loan products and services, feel free to reach out at (208) 846-7000 or visit us at our branch located at 401 W Front St Boise Id 83702. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let Idaho Central be your partner in achieving financial success!

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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 tailored to fit your lifestyle.

Loan Aggregator

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IDAHO CENTRAL

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans