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

Introduction

At Idaho Central, we believe that your financial journey deserves the utmost care and attention. Located at 8150 W Ustick Rd, Boise, ID 83704, our West Bench branch is committed to serving our vibrant community with personalized banking solutions tailored to meet your needs. With over 656,539 members trusting us since our establishment in 1940, we take pride in being a reliable partner in your financial success. Our dedicated team, led by CEO Brenda Worrell and Board President Debbie McIntier, works tirelessly to ensure that each member receives exceptional service. We manage total assets of over $11.69 billion, reflecting our strong commitment to providing value and support to our members. With a net worth of $1,025,743,094 and cash reserves of $198,052,244, you can trust that your finances are in safe hands. While you can reach us at our branch for all your banking needs, official correspondence should be directed to the same address: 8150 W Ustick, Boise, ID 83704. Our friendly staff is ready to assist you with services ranging from personal banking and auto loans to business financing options. Join us at Idaho Central today and experience the difference of being part of a credit union that truly cares about its members. For inquiries or assistance, feel free to call us at 208-846-7000 or visit our website at iccu.com. Let's build a brighter financial future together!

Branch History & Mission

Innovations and Services

As part of our commitment to making banking easier and more efficient, we've embraced digital advancements that enhance the member experience. With services like online banking and mobile payments available, managing finances has never been simpler. Additionally, we ensure that our facilities are ADA compliant so that everyone can access our services comfortably. Our branch also features ATM availability and drive-thru banking options for added convenience. We're here during regular operating hours Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 3 PM to assist with all your banking needs.

Join Us!

Idaho Central is here for you every step of the way. If you're looking for personalized service in an inviting atmosphere where your financial well-being is prioritized, consider becoming a member today! Experience firsthand the benefits of joining Idaho Central by visiting us or calling at 208-846-7000. Together, let's build a brighter financial future!

Our Mission

At Idaho Central, our mission is clear: we strive to empower our members by providing exceptional financial services while fostering a strong sense of community. We believe that everyone deserves the opportunity to achieve their financial goals. Whether it's opening a checking account or securing a loan for a new home or vehicle, we are dedicated to offering solutions tailored to each member's unique needs. We take pride in being more than just a financial institution; we're committed to giving back. Our outreach programs focus on supporting local schools and charities, ensuring that we uplift those around us while building lasting relationships within the community.

Branch Location & Accessibility

Welcome to Idaho Central, your friendly neighborhood credit union located at 8150 W Ustick Rd in beautiful Boise, Idaho. Nestled in the heart of Ada County, our West Bench branch is conveniently situated near popular local spots, making it easy for you to stop by and take care of your banking needs. Whether you're just around the corner or coming from farther away, we're here to serve you with a welcoming smile. While members can visit us at 8150 W Ustick Rd, official correspondence should be sent to the same address for convenience. Our branch is designed with accessibility in mind. You'll find plenty of parking available, as well as ADA-compliant features to ensure that everyone can easily access our services. At Idaho Central, we pride ourselves on being available when you need us. Our lobby hours are Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 3 PM, so whether you're looking to open an account or need assistance with a loan, we're here during hours that fit your schedule. Plus, we offer convenient drive-thru banking for quick deposits and withdrawals without having to leave your car. For those who prefer digital banking, our ATM is available on-site for easy cash access. You can also enjoy online and mobile banking options for managing your accounts anytime and anywhere. We invite you to come visit us at Idaho Central! If you have questions or need assistance before your visit, feel free to call us at 208-846-7000. We look forward to helping you achieve your financial goals!

Member Eligibility

At Idaho Central, we believe that everyone deserves a chance to be part of a caring community that focuses on your financial well-being. Joining us is simple and welcoming! If you live, work, worship, or attend school in the areas we serve, you are likely eligible for membership. We invite individuals and their families to join our credit union family, where you can enjoy personalized banking services designed to meet your needs. To explore all the specific eligibility requirements, feel free to check out this detailed resource: https://www.iccu.com/membership/ . Becoming a member at Idaho Central not only opens the door to a range of financial products but also gives you access to exceptional benefits like lower loan rates and higher savings returns. If you're ready to take the next step, opening an account is a breeze! You can start the process online anytime by visiting https://apply.iccu.com/#/sso-start or simply give us a call at (208) 846-7000 if you have any questions. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

In addition to loans, our merchant services simplify transactions so you can focus on what matters most your customers. Whether it's accepting payments online or managing cash flow effectively, we offer practical solutions designed to enhance your operational efficiency. Visit us at 8150 W Ustick Rd Boise Id 83704 in Boise, ID or give us a call at (208) 846-7000 to learn how we can help your business grow today!

Supporting Your Business 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.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, we offer robust Business Banking solutions. From merchant services that simplify payment processing to tailored business loans that help fund your growth, we're here to support your ambitions.

Convenience at Your Fingertips

Accessing your accounts has never been easier with our extensive Online & Mobile Banking features. Need cash? Our ATM & Cash Withdrawal Services are available whenever you need them. Prefer face-to-face interaction? Take advantage of our Basic Drive-Thru Banking for quick deposits, withdrawals, and simple transactions without leaving your car. At Idaho Central, we believe that banking should be straightforward and accessible. Whether you're visiting us in person or using our digital platforms, we're here to make every step of your financial journey as easy as possible. Ready to explore what we have to offer? Give us a call at (208) 846-7000 or visit us today! We look forward to helping you achieve all your financial goals!

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking services, including checking and savings accounts designed to help you achieve your financial goals. With our online and mobile banking features, you can easily check your balances, transfer funds, and manage your accounts from anywhere. This means no more waiting in line just log in from the comfort of your home! For those planning to make a big purchase or needing some extra cash flow, our Auto Loans & Vehicle Financing can get you behind the wheel without breaking the bank. You'll also find our Mortgage Loans & Refinancing options beneficial if you're looking to buy a new home or refinance an existing mortgage for better terms.

Supporting Your Financial Needs

If life throws unexpected expenses your way, our Personal Loans & Debt Consolidation services provide flexible options to help you stay on track. Plus, don't forget about our Credit Cards with Rewards, allowing you to earn points while making everyday purchases what's not to love?

Digital & Online Banking

Key Features

Managing your accounts has never been easier. Our online banking service is available 24/7, giving you real-time access to your balances, transactions, and more. Need to send money to a friend? Our person-to-person transfer feature makes it simple and fast no need for cash or checks. For those moments when you're on the go, check out our mobile application. It allows you to bank from the palm of your hand, making deposits, payments, and transfers as easy as tapping a button. Plus, with our mobile payments feature, you can shop securely without needing your wallet.

Security You Can Trust

We prioritize your security at every step. Our electronic signature authorization streamlines document signing while keeping your information safe. Additionally, e-statements help reduce clutter while providing secure access to your financial records no more waiting for paper statements in the mail! With all these features combined, banking with Idaho Central means having complete control over your finances without sacrificing safety or convenience. Explore all that we offer and see how easy managing your money can be!

Financial Strength

Commitment to Innovation

With $940,725,170 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $81,646 in used auto loans and over $10 billion in total loans and leases.

Dedicated Team

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. Our member base continues to grow with 1,356,709 total share accounts, showing the trust our community places in us. 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 8150 W Ustick Rd Boise Id 83704 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.

Member-Centric Resources

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.

Operational Efficiency

Our net income of $0 reflects our operational efficiency during this period. This means we can continue offering competitive loan rates and solid financial products for our members without compromising service quality.

Solid 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.

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're interested in financing a brand-new model or a reliable used vehicle, our team is here to assist you every step of the way.

Credit Lines and Business Loans

For those needing more flexibility in their finances or business owners seeking capital for growth, we provide credit lines totaling $2,890,714,213 along with outstanding commercial loans amounting to $1,201,961,525. These options are ideal for managing cash flow or funding new ventures.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $1,057,907,555, designed to meet your needs with competitive rates and flexible terms. Whether you're looking for your first home or considering refinancing your current mortgage, we've got you covered.

Refinancing Options

If you're considering refinancing any existing debts or loans, we encourage you to reach out for more information on eligibility options tailored to fit your unique situation. Our knowledgeable staff is available to guide you through the process and help you find solutions that work for you. For more details about our loan offerings or assistance with application processes, feel free to contact us at 208-846-7000 or visit us at 8150 W Ustick Rd Boise Id 83704. 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 us help you take the next step toward achieving your financial dreams!

Unsecured Credit Card Loans

Managing everyday expenses has never been easier with our flexible unsecured credit card loans. With a total of $261,654,757 in loans helping members manage their finances effectively, our cards come with competitive interest rates and rewards programs that can benefit you as you spend.

Loan Aggregator

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IDAHO CENTRAL

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans