Idaho Central Caldwell ID Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to Idaho Central, your trusted partner in financial growth and community support located at 4821 Cleveland Blvd, Caldwell, ID 83605. Since our establishment in 1940, we have proudly served over 656,539 members, helping them achieve their financial goals with confidence and care. As a member-focused credit union, we prioritize your needs above all, ensuring that each experience is personalized and rewarding. At Idaho Central, our total assets of over $11.69 billion reflect our commitment to stability and growth, while our total deposits stand at an impressive $429,322,359. This financial strength allows us to offer a wide range of services tailored to meet your unique requirements from personal banking options like checking and savings accounts to auto loans and mortgages. Our dedicated team of 1,845 employees, led by CEO Brenda Worrell and Board President Debbie McIntier, is here to guide you every step of the way. While members can visit us at our Caldwell branch for immediate assistance, official correspondence should be sent to the same address for seamless communication. We invite you to explore our offerings through our website at www.iccu.com. Whether you're looking to open an account or seek advice on loans, we are just a call away at (208) 846-7000. Join us at Idaho Central as we strive not only to meet your banking needs but also to make a positive impact in our community. Visit us today and discover how we can help you build a brighter financial future!

Branch History & Mission

Embracing Innovation

In today's world, staying connected is vital. That's why we've embraced modern technology with online and mobile banking options. Members can manage their finances anytime and anywhere whether it's paying bills or transferring money between accounts. Plus, we prioritize accessibility by ensuring all our services meet ADA compliance standards. While members can visit us at our branch address for all their banking needs during our operating hours Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 3:00 PM official correspondence should be sent to our mailing address at 4821 Cleveland Blvd, Caldwell, ID 83605. As we continue to grow and adapt to the needs of our members and community, we invite you to join us at Idaho Central. Experience firsthand the benefits of being part of a credit union that truly cares about its members' financial health and overall well-being. Together, let's build a brighter future! For more information or to open an account today, please call us at 208-846-7000 or visit our website.

Our Location

You can find us at 4821 Cleveland Blvd, Caldwell, ID 83605, a convenient spot near local landmarks that makes it easy for our members to visit. We also offer services like drive-thru banking for those on the go and ATM access to ensure you have your funds when you need them.

Our Mission

At Idaho Central, our mission is clear: we are here to improve the financial lives of our members while making a positive impact on our community. We strive to provide exceptional services such as checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. We believe that by helping our members achieve their financial goals, we strengthen the community as a whole. Our commitment goes beyond just transactions; we focus on building relationships. Whether it's through personalized service or community outreach programs, we aim to support those around us. From financial literacy workshops to partnerships with local organizations, we are dedicated to being an active part of Caldwell.

Branch Location & Accessibility

Convenient Access and Features

At Idaho Central, we understand that accessibility is key. Our branch is designed with features like ADA compliance and convenient parking options to ensure everyone feels welcome. Plus, if you prefer not to come inside, our drive-thru service allows you to complete basic transactions without leaving your vehicle. We also have an ATM on-site for quick cash withdrawals and balance checks whenever you need them.

Operating Hours

We know life can get busy! That's why we offer flexible operating hours: from Monday to Friday, our lobby is open from 9:00 AM to 6:00 PM, and on Saturdays from 9:00 AM to 3:00 PM. This way, you can visit us at a time that suits your schedule best.

Services Tailored for You

Idaho Central provides a wide range of services designed to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Our friendly team is ready to assist you with all your banking inquiries. While members can visit us at our branch location, any official correspondence should be directed to our mailing address at 4821 Cleveland Blvd, Caldwell, ID 83605. We invite you to stop by or give us a call at 208-846-7000 if you have any questions or need assistance. At Idaho Central, we're dedicated to making your banking experience as smooth and welcoming as possible!

Member Eligibility

At Idaho Central, we're excited to welcome you into our community! Becoming a member is simple and open to those who live, work, worship, or go to school in the areas we serve. If you have family members who are already part of our credit union, you can join too! Being a member means you'll enjoy personalized service, competitive rates on loans, and access to a range of financial products designed with your needs in mind. For more details on eligibility requirements, feel free to check out our membership page. Ready to get started? Opening an account at Idaho Central is straightforward! You can begin the process online by visiting our account opening page. If you have any questions or need assistance along the way, don't hesitate to reach out to us at (208) 846-7000. We're here to help you every step of the way as you take this exciting leap into membership!

Business Banking & Commercial Services

Commercial 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 the tools to accept payments easily and efficiently this is where our merchant services come into play. Whether you run a bustling café or a local retail shop, we provide payment processing solutions that make transactions smooth for you and your customers. Our services not only simplify your operations but also enhance customer satisfaction, allowing you to focus on what matters most: growing your business. Located at 4821 Cleveland Blvd Caldwell Id 83605, Caldwell, ID, our team is ready to partner with you on your journey to success. If you're looking for reliable banking solutions tailored to your business needs, reach out today!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash on the go? With our ATM availability and basic drive-thru banking services for deposits and withdrawals, getting what you need quickly is simple and efficient. At Idaho Central in Caldwell, ID, we're committed to making banking accessible and convenient for everyone in our community. If you're interested in any of these services or have questions about how we can assist you further, don't hesitate to reach out! Call us at 208-846-7000 or visit us at 4821 Cleveland Blvd today. We look forward to helping you achieve all your financial goals!

Auto Loans & Vehicle Financing

Looking to buy a new car? Our auto loans and vehicle financing services make it easy for you to drive away in the vehicle of your dreams. We offer competitive rates and flexible terms that fit your budget. Whether it's a new or used vehicle, we have financing solutions that cater specifically to your needs.

Business Banking Services

For our business members, we offer specialized services such as merchant services and business loans. Whether you're just starting out or looking to expand, our team can provide the financial support necessary for your growth.

Home Financing Solutions

Your home is one of the most significant investments you'll ever make. At Idaho Central, we provide mortgage loans and refinancing options that help you secure your dream home or lower your current mortgage payments. Our team will guide you through the process, ensuring everything is straightforward and manageable.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we have invested in robust online and mobile banking features. Accessing your accounts anytime, anywhere has never been easier! You can check balances, transfer funds, pay bills, and even send money to friends directly from your smartphone.

Personal Banking

When it comes to personal banking, we offer an array of options designed for your everyday needs. Whether you're looking for checking and savings accounts that fit your lifestyle or need help navigating your savings goals, our friendly staff is ready to assist you. Imagine having a checking account that not only helps you manage your money but also allows you to earn rewards with every purchase using our credit cards with rewards.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. If you're facing such challenges, consider our personal loans and debt consolidation options. These services are designed to help you get back on track financially by simplifying payments and lowering interest rates.

Digital & Online Banking

Key Services

Through our online banking portal at https://www.iccu.com/ , members can enjoy a variety of features that simplify everyday banking tasks. Need to check your balance or transfer funds? Our 24/7 online banking services allow you to do just that at your own pace. You can also set up electronic statements, making it easy to keep track of your finances without the clutter of paper. If you're on the go, don't worry! Our mobile application ensures that all these capabilities are right at your fingertips. Whether you want to make person-to-person transfers or take advantage of our mobile payments feature, everything is designed for ease of use. Plus, with electronic signature authorization available, signing documents has never been more straightforward.

Security and Accessibility

Your security is our top priority. We employ strong security measures to keep your information safe while you bank online or through our app. You can confidently manage your finances knowing that your data is protected. Accessibility is another hallmark of our digital offerings. With features like e-statements available, you can review and manage your account details without any hassle. Plus, our user-friendly interface makes navigation a breeze for everyone, regardless of tech-savviness. Join us at Idaho Central today and discover how easy banking can be with modern digital solutions! For more information on how to get started, visit us at https://www.iccu.com/ or call us at (208) 846-7000.

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. With a strong commitment to serving our community, we ensure that your finances are in trustworthy hands. 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 members' financial goals across various sectors with $81,646 in used auto loans and $10,143,248,049 in total loans and leases. 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 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 4821 Cleveland Blvd Caldwell Id 83605 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 terms and quick approval processes to make financing your next vehicle as easy as possible.

Business Loans

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 that businesses face and are committed to providing support through tailored financial solutions.

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 are here to guide you through each step of the process and ensure you find a solution that fits your budget and needs.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our various loan products, we're here to help! Our team is dedicated to finding the right fit for your situation. At Idaho Central located at 4821 Cleveland Blvd Caldwell Id 83605, we prioritize our members' financial well-being. For more information about our loan offerings or to speak with one of our representatives directly, please call us 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. Let us help you navigate your financial journey today!

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. These cards come with various benefits that can assist you in your everyday purchases while giving you the flexibility to pay at your own pace.

Loan Aggregator

How LendMesh Ensures Accurate Loan 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 commitment to using verified sources ensures that all loan offers are fair and transparent. Each lender's rates are regularly updated, allowing users to see current offers without any hidden fees or misleading information.

The Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring users can trust the information provided. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. Our goal is to provide unbiased results that truly reflect the best options available. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make informed decisions tailored to their financial needs. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how quickly and effectively users can find the best loans for their situations. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

IDAHO CENTRAL

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans