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

Introduction

Welcome to Idaho Central, your trusted partner in financial success located at 806 Saddle Ave, Caldwell, ID 83605. Since our establishment in 1940, we have been dedicated to serving our community and supporting our members with exceptional banking services. With a strong membership base of 656,539 individuals, we pride ourselves on being more than just a credit union; we are a vital part of the local community. At Idaho Central, we understand that every financial journey is unique. That's why we offer a variety of services tailored to meet your needs, from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Our total assets stand at an impressive $11,696,566,096, ensuring that we have the resources to support you effectively. Additionally, our members benefit from total deposits of $429,322,359 and a solid net worth of $1,025,743,094, which reflect our commitment to financial stability and growth. Led by our CEO Brenda Worrell and Board President Debbie McIntier, our team is here to provide expert guidance and support. With 1,845 employees working diligently across all departments, we're equipped to assist you with any inquiries or concerns you may have. You can reach us at (208) 846-7000 during our lobby hours Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 3:00 PM. While members can visit us at 806 Saddle Ave, official correspondence should be sent to the same address for your convenience. We invite you to explore everything Idaho Central has to offer by visiting our website at iccu.com. Here, you'll find resources for account management as well as information on how you can become a member. Join us at Idaho Central today where your financial future matters! Whether you're looking for loans or simply want to open an account, we're ready to help you take the next step toward achieving your financial goals.

Branch History & Mission

Welcome to Idaho Central, a credit union with a proud history and a mission deeply rooted in community support. Since opening our doors in 1940, we have been dedicated to serving the financial needs of our members in Caldwell, ID, and beyond. Located at 806 Saddle Ave, Caldwell, ID 83605, our branch has become a cornerstone of financial stability and community engagement. Over the years, Idaho Central has evolved significantly. We started as a small organization focused on providing essential banking services to our local community. Today, we proudly serve over 656,539 members and manage total assets exceeding $11.6 billion. Our growth reflects not just our commitment to excellent service but also the trust placed in us by our members. At Idaho Central, we believe that our mission goes beyond traditional banking. We strive to empower individuals and families by offering a range of services designed to help them achieve their financial goals. From personal banking options like checking and savings accounts to auto loans and mortgage financing, we are here to support you every step of the way. Our goal is to make financial services accessible while fostering a sense of belonging among our members. We are also proud of our contributions to the local community through various outreach initiatives and partnerships. Whether it's sponsoring local events or providing financial education programs, we aim to uplift those around us and make a positive impact. Our branch offers convenient operating hours Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 3:00 PM so you can visit us when it best suits your schedule. With features like an ATM for quick transactions and drive-thru banking for added convenience, we make accessing your funds easy. While members can visit us at 806 Saddle Ave for all their banking needs, official correspondence should be sent to our mailing address at 806 Saddle, Caldwell, ID 83605. For any questions or assistance, feel free to call us at (208) 846-7000. Join us today at Idaho Central! Experience firsthand how we can help you navigate your financial journey while being part of a community-focused institution that truly cares about its members. Your journey starts here!

Branch Location & Accessibility

Convenient Access and Parking

Our branch offers ample parking space, making it easy for you to stop by for a visit. We understand the importance of accessibility, which is why our location is ADA compliant, featuring ramps and designated parking spots for those who may need them.

Operating Hours that Fit Your Schedule

We know how busy life can be! That's why we're open Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 3:00 PM. Whether you're looking to open an account or need assistance with a loan, our team is here to help during these hours.

Reach Out Today!

If you have any questions or would like more information about our services, don't hesitate to give us a call at 208-846-7000. We invite you to visit us at Idaho Central your trusted partner in financial success right here in Caldwell!

Services Tailored for You

At Idaho Central, we offer a variety of services designed to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgages, we've got you covered. Plus, enjoy the convenience of our drive-thru banking for quick deposits and withdrawals without leaving your car. If you prefer self-service options, our ATM is available around the clock for cash withdrawals and balance checks.

Member Eligibility

At Idaho Central, we believe that becoming a member is like joining a family where everyone supports one another. If you're looking to join us, you'll be pleased to know that membership is open to anyone who lives, works, or worships in the communities we serve. We also welcome members of organizations and associations affiliated with our credit union. This means whether you're a local resident or part of a group connected to our mission, you can enjoy all the benefits we offer. To learn more about the specific eligibility requirements, feel free to visit our detailed page at https://www.iccu.com/membership/ . Once you know you qualify, opening an account is easy! You can start your journey towards financial wellness by applying online through this link: https://apply.iccu.com/#/sso-start . If you have any questions or need assistance along the way, don't hesitate to give us a call at (208) 846-7000. We're excited to welcome you into the Idaho Central community at our branch located at 806 Saddle Ave Caldwell Id 83605!

Business Banking & Commercial Services

Business Loans That Fuel 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 Made Simple

When it comes to accepting payments, our merchant services are designed with your convenience in mind. Imagine a busy Saturday at your store in Caldwell; having the right tools to accept various payment methods can make all the difference. Our services ensure that you can focus on serving your customers without worrying about payment processing. Join us at Idaho Central, located at 806 Saddle Ave Caldwell Id 83605, and discover how we can support your business journey. For more information, give us a call at (208) 846-7000 or visit our website at https://www.iccu.com/ .

Comprehensive List Of Services

Community Connection

At Idaho Central, we believe in building strong community ties. Our services are designed not just for individual members but also aim to foster local businesses and enhance the overall well-being of our community. As part of this commitment, we're always looking for ways to better serve our members through personalized service and accessible resources. If you're ready to experience all that we have to offer or if you have any questions about our services, don't hesitate to reach out! You can call us at (208) 846-7000 or visit us at 806 Saddle Ave Caldwell Id 83605 in Caldwell. We look forward to welcoming you into the Idaho Central family!

Convenient Digital Banking

In today's fast-paced world, convenience is key. Our online and mobile banking services let you manage your accounts anytime, anywhere. With features such as person-to-person payments, mobile payments, and e-statements, staying on top of your finances has never been easier. Plus, if you prefer traditional banking methods, our ATM services and basic drive-thru banking allow for quick deposits and withdrawals without hassle.

Credit Cards and Business Banking

Credit cards with rewards are another fantastic option we provide, allowing you to earn while you spend on everyday purchases. For entrepreneurs, our business banking services include merchant services and business loans aimed at supporting your growth. No matter what stage your business is in, we have solutions that can help you thrive.

Personal Banking Solutions

We understand that managing your finances is essential for achieving your goals. That's why we offer personal banking options like checking and savings accounts designed to fit your lifestyle. If you're in the market for a new vehicle, our auto loans and vehicle financing can help you drive off with confidence. For those considering homeownership, our mortgage loans and refinancing options provide flexible terms and competitive rates. We also cater to personal needs with loans for debt consolidation, helping you take control of your financial future.

Digital & Online Banking

Explore Our Services

With just a few clicks at https://www.iccu.com/ , you can access your accounts 24/7 through our online banking system. Whether you want to check your balance, transfer funds, or pay bills, everything is just a tap away. Plus, with our electronic signature authorization feature, signing documents has never been easier or more secure. We also provide e-statements to help you keep track of your finances without the hassle of paper clutter. You'll receive monthly statements directly in your inbox simple and eco-friendly!

Mobile Banking Made Easy

For those who prefer banking on their mobile devices, our mobile application is available for download. Enjoy the convenience of mobile payments that allow you to make transactions quickly and securely from anywhere. Whether you're out shopping or grabbing lunch, you can manage your money effortlessly. Need to send money to friends or family? Our person-to-person transfer service makes it easy to send and receive funds instantly. No need for cash or checks just use our app!

Security You Can Trust

Your security is a top priority at Idaho Central. We utilize advanced security measures to keep your information safe as you bank online. Rest assured that you can manage your accounts confidently knowing we're here to protect your data every step of the way. In summary, whether you're looking to bank from home or on the go, Idaho Central offers all the digital tools you need for real-time account management. Experience convenience like never before with our robust online and mobile banking services!

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 proud to showcase our strong financial health, ensuring that you can trust us with your hard-earned money. With a net worth of $1,025,743,094, we maintain robust 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. Our commitment to serving you is reflected in our $940,725,170 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $81,646 in used auto loans and $10,143,248,049 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our operational efficiency is highlighted by 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 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 806 Saddle Ave 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 Services

In addition to these core offerings, we also provide options for personal loans and debt consolidation. If you're interested in refinancing any existing loans or checking your eligibility for any of our products, we encourage you to reach out. Our team is ready to assist you every step of the way. If you'd like more information or wish to apply for a loan today, feel free to contact us at 208-846-7000 or visit us at our branch located at 806 Saddle Ave Caldwell ID 83605. You can also explore more about our services online at Idaho Central. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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 competitive financing options for both new and used vehicles, ensuring you can find the perfect fit for your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $1,201,961,525 provide the capital needed to grow and expand your operations. Whether you're starting a new venture or looking to improve your current business setup, we are dedicated to supporting local entrepreneurs.

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, which can be an excellent way to invest in your future. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our flexible terms on unsecured credit card loans. With a total of $261,654,757 in loans helping members manage their finances effectively, you can enjoy peace of mind knowing that you have access to funds when you need them most.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means that the loan offers you see are based on the latest results from reputable institutions, ensuring fair and transparent offers (Source: https://www.ncua.gov ). By using verified data, LendMesh provides users with peace of mind knowing they are looking at legitimate options.

Benefits of Using LendMesh

One of the standout features of LendMesh is its commitment to unbiased results. Here's how it works: - Verified Data: Loan offers are sourced from legitimate financial institutions, which ensures transparency in your choices. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide you with objective results that reflect true market conditions. - Real-Time Rate Comparisons: The platform updates loan rates from multiple institutions in real-time, allowing users to 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!" This kind of feedback highlights the effectiveness and reliability of the tool. To explore your options further and find the best rates for your needs, compare real-time loan offers today at LendMesh. 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