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

Introduction

Welcome to Idaho Central, your trusted partner in financial wellness right here in Caldwell, ID! Located at 1110 Blaine St, our branch has been serving the community since 1940, establishing a legacy of trust and reliability for over eight decades. With a commitment to helping our 656,539 members achieve their financial goals, we take pride in offering personalized banking solutions tailored to your needs. At Idaho Central, we understand that managing your finances is about more than just numbers; it's about building relationships and fostering community. That's why we offer a comprehensive range of services including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and much more. As of now, our total assets stand at an impressive $11,696,566,096 with total deposits reaching $429,322,359. Our strong financial foundation allows us to provide competitive rates and services that truly benefit our members. Led by our dedicated CEO Brenda Worrell and Board President Debbie McIntier, our team is committed to ensuring that you receive the best service possible. Whether you're looking for advice on personal loans or need assistance with business banking solutions, we're here to help every step of the way. While members can visit us at 1110 Blaine St, official correspondence should be sent to the same address as well. If you have any questions or need assistance, don't hesitate to call us at 208-846-7000. We invite you to explore our website at iccu.com for more information on how we can assist you in achieving your financial dreams. Join us today and experience the Idaho Central difference where your success is our priority!

Branch History & Mission

Idaho Central has a proud history that stretches back to 1940, when it first opened its doors in Caldwell, ID. Over the years, we have grown into a vital part of this community, now proudly serving over 656,539 members. Our journey reflects our commitment to providing exceptional financial services while supporting the needs of our community. Located at 1110 Blaine St, Caldwell, Idaho, our branch stands as a beacon for both personal and business banking solutions. Just a stone's throw from the heart of Caldwell, we are easy to find and always ready to welcome you. If you need to send official correspondence, please note that our mailing address is also 1110 Blaine St, Caldwell, ID 83605. At Idaho Central, our mission is simple yet powerful: to enhance the lives of our members and support their financial wellness. We believe that every member deserves access to quality financial services that can help them achieve their goals. Whether it's through personal banking products like checking and savings accounts or loans for vehicles and mortgages, we strive to offer solutions that meet your unique needs. As technology advances, we have embraced digital tools that make banking easier and more accessible. Our online banking platform allows members to manage their accounts anytime and anywhere. We also provide mobile payments and electronic signatures for added convenience. Plus, with ADA compliance in mind, we ensure everyone can access our services comfortably. Community engagement is at the heart of what we do. Through various outreach programs and partnerships with local organizations, Idaho Central actively contributes to the welfare of Caldwell and its surrounding areas. We believe in giving back because when our community thrives, we all benefit. Our operating hours are designed with your schedule in mind: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 3 PM. For those who prefer a quick transaction on the go, we offer drive-thru banking services alongside an ATM available at our location. Join us today at Idaho Central! Experience firsthand how we can support your financial journey while making a meaningful impact in your community. Call us at 208-846-7000 or visit us online at iccu.com to learn more about membership opportunities and start enjoying the benefits that come with being part of our family.

Branch Location & Accessibility

Convenient Access and Features

At Idaho Central, we prioritize accessibility for everyone. Our branch is ADA compliant and features ramps and spacious parking to ensure all members can navigate comfortably. Whether you're stopping by to deposit a check or inquire about a loan, we have you covered with our welcoming environment. Need to grab cash quickly? Our ATM is available on-site for your convenience. Plus, if you prefer a bit more personal interaction, our drive-thru banking service makes it easy to handle deposits and withdrawals without leaving your car.

Operating Hours Tailored for You

We understand that life can get busy! That's why our lobby hours are designed with your schedule in mind. We're open Monday through Friday from 9 AM to 6 PM and on Saturdays from 9 AM to 3 PM. Whether it's a quick visit during lunch or a Saturday errand, we're here when you need us.

We’re Here for You!

Our dedicated team at Idaho Central is ready to assist you with various services including personal banking, auto loans, mortgage options, and more. While members can visit us at 1110 Blaine St, official correspondence should be sent to the same address. If you have any questions or need assistance before visiting, feel free to give us a call at 208-846-7000. We invite you to come by and see how we can help make your financial journey smooth and rewarding!

Member Eligibility

Becoming a member of Idaho Central is like joining a family that truly cares about your financial well-being. If you live, work, or attend school in our community, you're likely eligible to join us! We welcome individuals from diverse backgrounds, and our mission is to support you in achieving your financial goals. For a detailed look at the specific eligibility requirements, feel free to check out our website at https://www.iccu.com/membership/ . It's straightforward and inclusive, making it easy for anyone looking to become part of our community. Once you confirm your eligibility, opening an account is a breeze! You can get started right away by visiting us online at https://apply.iccu.com/#/sso-start or giving us a call at (208) 846-7000. Our friendly team is here to guide you every step of the way, ensuring that your journey with Idaho Central begins on the right foot. We're excited to welcome you into our growing family located at 1110 Blaine St Caldwell Id 83605!

Business Banking & Commercial Services

Merchant Services That Make a Difference

But it's not just about loans; our merchant services are here to help you thrive daily. Imagine having a reliable partner for payment processing that ensures smooth transactions for your customers. With our easy-to-use tools, managing payments becomes effortless, allowing you to focus more on running your business. Whether you're located at 1110 Blaine St Caldwell Id 83605 in Caldwell, ID, or beyond, we're here to support you every step of the way. Experience the difference with Idaho Central where your business banking needs are met with care and expertise.

Our 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.

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner in Caldwell, we also provide comprehensive business banking services. From merchant services that simplify transactions to business loans that help you expand your operations, we're here to support your entrepreneurial journey.

Connect with Us

Whether you're looking for personal banking solutions or business support, Idaho Central has something for everyone. Give us a call at (208) 846-7000 or visit us at 1110 Blaine St Caldwell Id 83605 today! Let us help you achieve your financial dreams with ease and confidence. For more information on how we can assist you further, feel free to explore our website at Caldwell.

Convenience at Your Fingertips

We understand the importance of accessibility in banking. That's why we provide basic drive-thru banking for deposits and withdrawals as well as simple transactions, making it easier for you when you're on the move. Our ATMs are also equipped for balance checks so that you stay informed about your finances anytime. In addition to these services, we're proud to offer a member-focused approach where community matters most. With us, you'll find personalized service aimed at helping you reach your financial goals.

Credit Cards and Rewards

Our credit cards come with rewards that make everyday spending more beneficial. Whether you're earning points for travel or cashback on groceries, our offerings cater to your lifestyle while ensuring you can use them safely and conveniently.

Digital Banking Features

In today's fast-paced world, managing finances digitally is essential. At Idaho Central, we offer robust online and mobile banking platforms. You can easily check balances, transfer funds, and pay bills from the comfort of your home or on the go. Plus, our ATM services allow for quick cash withdrawals whenever you need them.

Personal Banking Services

Managing your finances can feel overwhelming, but with Idaho Central, it doesn't have to be. We offer a variety of personal banking options including checking and savings accounts designed for all lifestyles. If you're considering buying a new car, our auto loans and vehicle financing solutions can help make that dream a reality, often with competitive rates that suit your budget. For those looking to purchase their first home or refinance an existing mortgage, our mortgage loans are here to guide you every step of the way. Additionally, if you're facing unexpected expenses or looking to consolidate debt, our personal loans are flexible and easy to apply for.

Digital & Online Banking

Convenient Online Banking

Our online banking services at https://www.iccu.com/ provide you with 24/7 access to your accounts. You can check balances, transfer funds, and pay bills from the comfort of your home or on the go. Plus, with electronic signature authorization available, signing documents has never been easier or more secure.

Go Paperless with E-Statements

If you're looking to reduce paper clutter, you'll love our e-statements feature. Enjoy the convenience of receiving your statements electronically while knowing that they are securely stored and easily accessible whenever you need them.

Mobile Banking Made Easy

With our mobile application, banking is literally at your fingertips. Whether you're making mobile payments or transferring money person-to-person, our app makes it quick and simple. You can even manage your account in real-time, so you'll always know where you stand financially.

Security First

Your security is our top priority. All transactions made through our online banking system are protected with advanced encryption technology. We strive to give you peace of mind while managing your finances digitally. At Idaho Central, we're committed to providing accessible and user-friendly banking solutions that cater to your needs. Experience the convenience today by exploring our digital banking options!

Financial Strength

Commitment to Growth

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 commitment to growth is evident in our lending capacity as well: with $81,646 in used auto loans and $10,143,248,049 in total loans and leases, we support members' financial goals across various sectors.

Member Savings Secure

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 $0 reflects our operational efficiency, 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.

Our 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.

Strong Membership Base

Total Share and Deposit Accounts: 1,356,709, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $92,938,959. 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 1110 Blaine St 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

Additional Loan Options

For those looking for additional support in business endeavors or personal projects, we provide lending options that cover various needs. For business owners, our outstanding commercial loans totaling $1,201,961,525 provide the capital needed to grow and expand. At Idaho Central in Caldwell (1110 Blaine St Caldwell ID 83605), we're committed to serving our community with integrity and transparency. If you're interested in learning more about eligibility requirements or want to start your application process today, don't hesitate to contact 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 find the right loan solution tailored just for you!

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 car, our team is here to guide you through the process.

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 provide various mortgage solutions that cater to different budgets and needs. Plus, if you're considering refinancing your existing mortgage for better terms or lower rates, we can assist you with that too.

Unsecured Credit Card Loans

Managing your finances effectively is crucial. We also offer flexible terms on unsecured credit card loans, with a total of $261,654,757 in loans helping members maintain control over their spending. These cards come with benefits that fit your lifestyle while providing an easy way to manage day-to-day expenses.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to help you easily identify the most competitive offers available in the market. LendMesh ensures accurate loan comparisons through a straightforward sourcing method. 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 guarantees that users receive fair and transparent offers without any hidden agendas. Using LendMesh offers several key benefits: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in achieving better financial outcomes for its users. 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