Idaho Central Coeur D Alene ID Credit Union | Best Auto Loans & ATM Services

Introduction

Welcome to Idaho Central, your trusted partner in financial success located at 1410 N Government Way, Coeur D Alene, ID 83814. Established in 1940, we have been dedicated to serving our community for over 80 years, providing a range of financial services tailored to meet your needs. With a strong membership base of 656,539 individuals, we pride ourselves on being more than just a credit union; we're a part of your journey towards financial well-being. At Idaho Central, we manage total assets of $11,696,566,096, ensuring that your funds are secure and available when you need them. Our commitment to excellence is reflected in our robust financial standing, with total deposits reaching $429,322,359 and a net worth of $1,025,743,094. We also boast an impressive cash reserve of $198,052,244, allowing us to provide you with the best services possible. Our team is led by the capable hands of CEO Brenda Worrell and Board President Debbie McIntier, who guide our efforts to foster a welcoming environment for all members. With a staff of 1,845 dedicated employees ready to assist you, we strive to make banking easy and accessible. While members can visit us at our branch location in Coeur D Alene for personal banking solutions including checking and savings accounts, auto loans, mortgages, and more official correspondence should be sent to the same address: 1410 North Government Way, Coeur D Alene, ID 83814. If you're looking for reliable banking services from a community-focused credit union that truly cares about its members' financial health, look no further than Idaho Central. We invite you to explore our offerings or reach out directly at (208) 667-7722. Visit our website at iccu.com for more information on how we can assist you today!

Branch History & Mission

At Idaho Central, we take pride in our rich history and commitment to our members. Established in 1940, our Coeur D Alene branch has been a cornerstone of the community for over eight decades. Located at 1410 N Government Way, nestled amidst the vibrant surroundings of Coeur D Alene, ID, we have grown from humble beginnings to become a trusted financial partner for over 656,539 members. Our mission is simple yet profound: to serve our community with exceptional financial services while fostering a spirit of collaboration and support. From our inception, Idaho Central has focused on empowering individuals and families through accessible banking solutions. We are not just about numbers; we are about people. With total assets now exceeding $11.6 billion, our growth reflects our dedication to providing value to every member. As we evolved, we embraced technology and innovation to enhance the member experience while ensuring that our services remain personal and friendly. Our mission centers around not only offering comprehensive financial products like checking accounts, auto loans, mortgages, and business banking but also giving back to the community that supports us. This commitment is evident through various outreach initiatives that aim to uplift local organizations and individuals alike. Our branch actively participates in events and partnerships that foster community development, ensuring that we contribute positively to the lives of those around us. While members can visit us at 1410 N Government Way, official correspondence should be sent to 1410 North Government Way, Coeur D Alene, ID 83814 if needed. Our doors are open during convenient hours: Monday through Friday from 8:30 AM to 6:00 PM and Saturday from 9:00 AM to 3:00 PM for drive-thru services. Plus, with ATM availability and drive-thru banking options, accessing your funds has never been easier. At Idaho Central, we are committed to being ADA compliant and ensuring all members can access our services with ease. We continuously strive for improvement by integrating digital advancements into our offerings whether it's mobile payments or online banking to make managing finances more accessible than ever. Join us on this journey! Experience firsthand how Idaho Central combines tradition with modern banking solutions tailored just for you. Whether you're looking for personal or business banking options, we invite you to become part of our growing family today! Visit us online at iccu.com or call us at 208-667-7722 for more information on how you can benefit from being a member of Idaho Central!

Branch Location & Accessibility

Accessibility and Parking

At Idaho Central, we prioritize accessibility for all our members. Our branch is ADA compliant and features ramps for easy entry. There's ample parking available on-site, ensuring a hassle-free visit whether you're stopping by for a quick transaction or planning to spend some time with our team.

Get in Touch

We invite you to come by our Idaho Central branch in Coeur D Alene! If you have any questions or need assistance before your visit, feel free to give us a call at 208-667-7722. Our team looks forward to helping you achieve your financial goals!

Operating Hours

We're here to serve you during convenient hours! Our lobby is open Monday through Friday from 8:30 AM to 6:00 PM, and on Saturdays, our drive-thru is available from 9:00 AM to 3:00 PM. Whether you need help with your personal banking needs or have questions about loans and services, our staff is ready to assist you.

Services Offered

Idaho Central offers a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing options, we are dedicated to providing personalized solutions. Plus, enjoy the ease of online banking and mobile payments right from your smartphone! For those who prefer face-to-face interaction, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your vehicle. Additionally, you'll find an ATM available for quick cash withdrawals or balance checks.

Member Eligibility

At Idaho Central, we believe that everyone deserves access to a supportive financial community, and becoming a member is as easy as reaching out! If you live, work, or worship in our service area, you're likely eligible to join us. Our members enjoy a range of benefits, including competitive rates on loans and savings, personalized service, and access to a variety of financial products tailored just for you. To get started, simply visit us at our branch located at 1410 N Government Way Coeur D Alene Id 83814 or check out the details on our eligibility criteria at https://www.iccu.com/membership/. If you're ready to take the next step, opening an account is quick and straightforward just head over to https://apply.iccu.com/#/sso-start or give us a call at (208) 667-7722. We can't wait to welcome you into the Idaho Central family!

Business Banking & Commercial Services

Streamlined Merchant Services

In addition to loans, we offer merchant services that make transactions easier for you and your customers. Imagine having the ability to accept payments seamlessly, whether online or in-person, which can significantly improve cash flow. Our solutions help you focus on what matters most growing your business. Located at 1410 N Government Way Coeur D Alene Id 83814 in Coeur D Alene, ID, we're here to partner with you every step of the way. Let us help you turn your business goals into reality!

Tailored Loan Solutions

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

If you're a business owner, you'll appreciate our comprehensive business banking services, which include merchant services and business loans. We aim to support local businesses like yours by providing the financial tools necessary for growth and success.

Convenient Cash Access

At Idaho Central, we also prioritize convenience. With our ATM & cash withdrawal services, accessing your money has never been easier. Whether you prefer using an ATM or visiting us during lobby hours (M-F 8:30-6:00; S 9:00-3:00), we ensure that managing your funds fits into your busy schedule. In summary, our range of services at Idaho Central is crafted with you in mind. We focus on making banking easy and accessible while providing personalized solutions for every stage of life. If you're ready to explore what we have to offer or if you have any questions, don't hesitate to reach out! Call us at (208) 667-7722, visit us online at https://www.iccu.com/, or stop by our branch today!

Home Ownership Support

Thinking about buying a home? Our mortgage loans and refinancing options are here to assist you in achieving your dream of home ownership. We understand that every member's situation is unique, which is why we offer personalized guidance throughout the mortgage process.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking options are designed for everyday life. Imagine having the ability to manage your finances from anywhere with our robust online and mobile banking features. You can check balances, transfer funds, and even make payments right from your smartphone.

Personal Loans for Every Need

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation services, you have support when you need it most. Whether it's for medical bills or home improvements, we provide straightforward loan options that allow you to take control of your financial situation.

Rewarding Credit Card Options

For those who love rewards, our credit cards with rewards program allows you to earn points on every purchase. Use those points for travel, merchandise, or cash back whichever suits your lifestyle best!

Vehicle Financing Made Easy

If you're considering purchasing a new vehicle, our auto loans and vehicle financing can help you hit the road without breaking the bank. We offer competitive rates and flexible terms that make it easy for you to drive away in your dream car. Plus, with our simple application process, getting approved is quick and straightforward.

Digital & Online Banking

Accessible Online Banking

Our online banking platform is available 24/7 at https://www.iccu.com/. It allows you to check balances, pay bills, and transfer money with just a few clicks. Plus, if you prefer handling things on the go, our user-friendly mobile application is here to help! You can manage your accounts right from your smartphone, making it easy to keep track of your finances whether you're at home or out and about.

Effortless Payments and Transfers

Need to send money to a friend? Our person-to-person transfer feature makes it simple and instant. Just enter the recipient's details, and you're all set! Moreover, with mobile payments enabled, making purchases has never been easier just tap and go! In summary, our digital banking services at Idaho Central are designed for accessibility and ease-of-use. Whether you're using our online banking platform or mobile app, you'll find managing your finances straightforward and secure. Join us today at https://www.iccu.com/ and experience the convenience of modern banking!

Secure Transactions

Security is a top priority at Idaho Central. We provide features like electronic signature authorization for safe document signing and e-statements for quick access to your account statements without the clutter of paper. With these options, you can enjoy peace of mind knowing that your personal information is protected.

Financial Strength

Growing Member Base

Total Share 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 1410 N Government Way Coeur D Alene Id 83814 or call (208) 667-7722 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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 take pride in having 1,719 full-time employees and 126 part-time employees dedicated to serving you with knowledge and commitment.

Reinvestment in Member Services

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 is robust; 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.

Strong Financial Position

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. We provide flexible terms and competitive rates to make financing easy and accessible.

Business Financing

For business owners, our outstanding commercial loans totaling $1,201,961,525 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to improve cash flow for an existing business, we have solutions tailored just for you.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $1,057,907,555, making buying or refinancing simple. Whether you are a first-time buyer or looking to refinance your current mortgage, our dedicated team is here to guide you through the process.

Refinancing Options

If you're considering refinancing any of your existing loans or credit lines for better rates or terms, we can assist you with that as well. Our team will work closely with you to evaluate your options and find a solution that fits your financial situation. To learn more about our loan offerings or start an application today, visit us at 1410 N Government Way Coeur D Alene ID 83814 or give us a call at 208-667-7722. We're here Monday through Friday from 8:30 AM to 6:00 PM and Saturday from 9:00 AM to 3:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 benefits that fit your lifestyle and help you build credit while enjoying rewards.

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. With a focus on transparency and reliability, LendMesh stands out as a trusted tool for consumers seeking the most competitive loan offers. LendMesh ensures accurate loan comparisons by sourcing data 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 means users can trust that they are viewing fair and transparent offers tailored to their needs. One of the key benefits of using LendMesh is its commitment to verified data. All loan offers come from legitimate financial institutions, ensuring complete transparency in the comparison process. Additionally, there are no sponsored listings on the platform; lenders are not prioritized based on paid promotions. This approach guarantees that users receive unbiased results every time they search for loans. Another advantage is LendMesh's real-time rate comparisons. The platform provides up-to-date loan rates from multiple institutions, which helps users make informed decisions about their borrowing options. 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!" 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