Idaho Central Boise ID Credit Union | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Idaho Central, your trusted financial partner located at 650 W State St, Boise, ID 83702. Established in 1940, our credit union has proudly served over 656,539 members, helping them achieve their financial goals with integrity and dedication. At Idaho Central, we believe in the power of community and work tirelessly to ensure that our members receive personalized service tailored to their unique needs. As a member-owned cooperative, we're here to provide a wide range of financial services, from personal checking and savings accounts to auto loans and business financing. With total assets of $11,696,566,096 and total deposits reaching $429,322,359, our strength lies in our commitment to your financial well-being. We maintain a net worth of $1,025,743,094, ensuring that your funds are secure and that we can continue to invest in our community. Our CEO, Brenda Worrell, along with Board President Debbie McIntier, leads a dedicated team of 1,845 employees who are passionate about supporting you on your financial journey. We understand the importance of accessibility; that's why we offer convenient services such as online and mobile banking, ATMs for quick cash withdrawals, and much more. While you can visit us directly at our Boise branch for all your banking needs, any official correspondence should be directed to the same address: 650 W State St, Boise, ID 83702-5936. Ready to take control of your finances? Give us a call at 208-846-7000 or explore our services online at iccu.com. Let's work together towards a brighter financial future!

Branch History & Mission

Idaho Central has a proud history that dates back to its founding in 1940. Since then, our branch located at 650 W State St in Boise, ID, has evolved significantly, growing alongside the community it serves. Today, we are honored to support over 656,000 members and manage total assets of $11,696,566,096. Our commitment to providing exceptional financial services is matched only by our dedication to enhancing the lives of those in our local area. From humble beginnings, Idaho Central has continuously expanded its offerings. We started with basic savings and loan products but have since diversified into a wide range of services including auto loans, mortgages, personal loans, and business banking. This growth reflects our deep understanding of the needs of our members and the importance of adapting to changing financial landscapes. Our mission is simple yet powerful: to empower our members and strengthen our communities. We strive to provide not just financial products but also resources that help individuals and families thrive. Whether you need assistance with budgeting or planning for your future, Idaho Central is here every step of the way. While our primary location is at 650 W State St in Boise, official correspondence can be sent to our mailing address at 650 W State St, Boise, ID 83702-5936. We invite you to visit us during our operating hours from Monday to Friday between 8:00 AM and 4:00 PM. Although we do not offer drive-thru banking at this location, we ensure convenience through ATM availability for quick transactions. Idaho Central believes in giving back to the community. We engage in various outreach initiatives and partnerships that focus on education and support for local organizations. By investing in our neighborhoods, we aim to uplift everyone around us and create a better future for all. As technology continues to shape how we bank, we remain committed to providing modern solutions like online banking and mobile payments while ensuring accessibility for all members. We take pride in being ADA compliant so that everyone can benefit from our services. Join us at Idaho Central where your financial journey matters! Experience firsthand how we can help you achieve your goals while making a positive impact in the community. To learn more about membership options or open an account today, visit our website or call us at (208) 846-7000. Together, let's build a brighter tomorrow!

Branch Location & Accessibility

Connect With Us

Have questions or want to learn more about what we offer? Don't hesitate to give us a call at 208-846-7000. Our dedicated team is here to help you navigate your financial journey every step of the way. We invite you to visit us today and discover how Idaho Central can support your financial needs!

Convenient Access

We know how important accessibility is, which is why our branch is designed with everyone in mind. You'll find ample parking available nearby, along with ADA-compliant features such as ramps to ensure everyone can easily access our services. Whether you're visiting us during the week or stopping by for a quick transaction, we strive to make your experience smooth and enjoyable.

Operating Hours

Our lobby is open Monday through Friday from 8 AM to 4 PM, so you can choose a time that works best for you. Need assistance outside of those hours? Don't worry! We also provide ATM services for your convenience. Feel free to withdraw cash or check your balance whenever you need our ATMs are ready when you are!

Services Tailored for You

At Idaho Central, we offer a range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got everything covered under one roof. Plus, enjoy rewards with our credit card offerings and explore business banking solutions if you're an entrepreneur.

Member Eligibility

At Idaho Central, we believe that everyone deserves a chance to be part of a supportive financial community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in our service area, you're likely eligible to join us. We also welcome family members of current members, which makes it easy for loved ones to benefit from our resources together. By joining Idaho Central, you'll not only gain access to a range of financial products designed with your needs in mind but also enjoy personalized service from our friendly staff who are here to help you every step of the way. For more details on eligibility criteria, feel free to visit our website at https://www.iccu.com/membership/. Ready to take the next step? Opening an account is just as straightforward! Simply head over to https://apply.iccu.com/#/sso-start and follow the easy instructions. 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 at our branch located at 650 W State St Boise Id 83702!

Business Banking & Commercial Services

Financing Your 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 Make Sense

Imagine being able to accept payments effortlessly while managing your cash flow effectively. Our merchant services make it easy for you to process transactions, ensuring you can focus on what truly matters growing your business. Whether it's setting up point-of-sale systems or managing online payments, we provide practical solutions that simplify your day-to-day operations. Come visit us at 650 W State St Boise Id 83702 in Boise, ID, or give us a call at (208) 846-7000 to learn more about how our business banking and commercial services can help you thrive!

Comprehensive List Of Services

Business Banking Essentials

For local entrepreneurs and business owners, our business banking services are designed with you in mind. From merchant services that make transactions easy, to business loans that help you grow, we're here to support your ventures every step of the way.

Credit Options That Work For You

At Idaho Central, we understand that having flexible credit options is essential. That's why we offer credit cards with rewards, allowing you to earn while you spend. Whether it's cash back on groceries or points toward travel, our rewards program adds value to every purchase.

Digital Banking Convenience

In today's fast-paced world, convenience is key. With our online and mobile banking platforms, managing your finances has never been easier. You can check balances, transfer funds, and even make person-to-person payments right from your phone or computer. And don't forget about our ATM services! With basic access for withdrawals and balance checks, getting cash is quick and hassle-free.

Personal Banking Solutions

Whether you're looking to manage day-to-day expenses or save for future milestones, our personal banking services have you covered. From checking and savings accounts that fit your lifestyle, to auto loans and vehicle financing for when it's time to hit the road, we make managing your money simple and effective. Need a place to call home? Our mortgage loans and refinancing options can help you secure the best rates available. We also offer personal loans and debt consolidation services tailored to get you back on track when life throws challenges your way.

Why Choose Us?

Located at 650 W State St Boise Id 83702, we're not just a branch; we're a part of the community in Boise. You can reach us at (208) 846-7000 during our lobby hours from Monday to Friday, 8:00 AM to 4:00 PM. We believe in building lasting relationships with our members based on trust and transparency. If you're ready to take the next step in your financial journey, visit us online at https://www.iccu.com/ or stop by Idaho Central today! Join us as we work together towards achieving your financial dreams because here at Idaho Central, your success is our mission!

Digital & Online Banking

Key Features

We know security is a top priority for our members. That's why we provide electronic signature authorization, making it simple to sign documents safely online. Plus, with e-statements available, you can manage your financial documents conveniently while contributing to a greener environment. Need to send money quickly? Our person-to-person transfer feature lets you send funds instantly to friends or family without hassle. And for those who prefer mobile convenience, our mobile application allows you to handle all your banking needs right from your smartphone. You can even make mobile payments with ease just another way we bring banking directly to your fingertips. In today's fast-paced world, having access to reliable digital banking tools is essential. At Idaho Central, we're committed to providing our members with the convenience they deserve while ensuring their information is protected every step of the way. Join us today and experience the benefits of modern banking!

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 the importance of providing a safe and reliable banking experience, which is why we are committed to maintaining strong financial health. 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. Additionally, with $81,646 in used auto loans and $10,143,248,049 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is reflected in our $0, which enables 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 and Deposit 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 650 W State St Boise Id 83702 or call (208) 846-7000 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 flexible financing options for both new and used vehicles, ensuring that you can find the right fit for your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $1,201,961,525 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are committed to supporting local entrepreneurs with tailored financing options. At Idaho Central located at 650 W State St Boise Id 83702, our goal is to empower our members by providing accessible financial products that meet their specific needs. For more information or to explore refinancing options and eligibility criteria for any of our loan products, feel free to reach out at 208-846-7000. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us online at iccu.com to learn more about how we can help you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With Junior Lien 1-4 Family Residential Properties loans totaling $1,057,907,555, we provide solutions tailored to your needs. Whether you're a first-time buyer or looking to refinance an existing loan, our team is here to guide you through the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can 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 that can help you save while making purchases.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This rigorous approach guarantees that all offers presented are fair and transparent. Each lender's information is meticulously verified, ensuring users receive reliable data every time they compare loans.

Idaho Central

Type of Loan Offerings

Home Equity Loans

Personal Loans