Idaho Central Coeur D Alene ID Credit Union | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Idaho Central, your trusted partner in financial growth and community support, located at 1327 W Appleway Ave, Coeur D Alene, ID 83814. Since our establishment in 1940, we have dedicated ourselves to providing exceptional service and a wide range of financial products tailored to meet the needs of our over 656,539 members. With total assets exceeding $11.69 billion and total deposits reaching $429.32 million, we are proud to be a cornerstone of financial stability in our community. At Idaho Central, we believe in the power of personal relationships. Our experienced team, led by CEO Brenda Worrell and Board President Debbie McIntier, is here to help you navigate your financial journey. Whether you're looking for auto loans, mortgage options, or business banking services, we strive to offer solutions that fit your lifestyle. Our commitment extends beyond just numbers; it's about making a positive impact within our community. We provide resources like online and mobile banking for convenience and offer access to ATMs and drive-thru services to make banking easier for you. While you can visit us at our branch on Appleway Avenue, official correspondence should be sent to the same address: 1327 W Appleway Ave, Coeur D Alene, ID 83814. Ready to take the next step toward your financial goals? Call us today at 208-667-7722 or explore our website at iccu.com for more information on how we can assist you!

Branch History & Mission

Idaho Central has a proud history that dates back to 1940, when it first opened its doors to the community in Coeur D Alene, ID. Since then, we have grown significantly, now serving over 656,000 members with total assets exceeding $11.6 billion. Our journey reflects our commitment to providing exceptional financial services and support to our members and the broader community. Located at 1327 W Appleway Ave, Coeur D Alene, ID 83814, our branch is easily accessible and surrounded by local landmarks that make it a familiar place for residents. Whether you're heading to work or enjoying a day out, our branch is conveniently situated to meet your banking needs. Our mission at Idaho Central is straightforward yet impactful: we aim to enhance the lives of our members through excellent service and a range of financial products designed for every stage of life. We believe in being more than just a financial institution; we strive to be a trusted partner in helping our members achieve their financial goals. From personal banking options like checking and savings accounts to auto loans, mortgages, and business services, we cater to diverse needs while maintaining a strong focus on community support. While members can visit us at 1327 W Appleway Ave, official correspondence should be sent to the same address as our mailing address is also 1327 W Appleway Ave, Coeur D Alene, ID 83814. Our operating hours are designed with your convenience in mind: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 3 PM. In addition to traditional banking services, we are committed to embracing technology that enhances member experience. Our services include online banking, mobile payments, and even electronic signatures for ease of access. We ensure that all members can enjoy these advancements while also prioritizing ADA compliance so everyone can benefit from our offerings. At Idaho Central, community outreach is also at the heart of what we do. We actively participate in local events and initiatives aimed at fostering growth and well-being within Coeur D Alene and surrounding areas. Our partnerships with local organizations help us extend our reach and provide meaningful assistance where it's needed most. We invite you to join Idaho Central today! Experience firsthand how our focus on service excellence can help you thrive financially. Visit us or explore more about membership benefits on our website here. Together, let's build a stronger community!

Branch Location & Accessibility

Welcome to Idaho Central's Appleway branch, your go-to destination for all your banking needs! Conveniently located at 1327 W Appleway Ave in beautiful Coeur D Alene, Idaho, our branch is easily accessible whether you're coming from nearby landmarks like the stunning Lake Coeur d'Alene or the bustling downtown area. With ample parking available, you can visit us with ease. Our friendly team is here to assist you 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. Need quick cash or a simple transaction? Utilize our drive-thru banking service for added convenience, or stop by our ATM that is always ready to serve you. At Idaho Central, we prioritize accessibility for all members. Our facility features ADA-compliant entrances and pathways to ensure everyone can enjoy a hassle-free experience. While you can reach out to us at (208) 667-7722 for any inquiries or assistance, feel free to explore our wide range of services from personal banking solutions like checking and savings accounts to auto loans and business banking options. While members can visit us at 1327 W Appleway Ave, official correspondence should be sent to the same address for clarity. We invite you to come in, chat with our knowledgeable staff, and see how we can help you achieve your financial goals. Your journey towards better banking starts here!

Member Eligibility

Welcome to the community at Idaho Central! Joining us is a fantastic way to access a world of financial benefits and support. To become a member, you'll need to meet some simple eligibility criteria. Generally, if you live, work, or attend school in the areas we serve, you're likely eligible to join our family. We pride ourselves on being inclusive and supportive, so whether you're looking for personal banking services or business solutions, we've got you covered. If you'd like to learn more about the specific eligibility details, feel free to visit our website at https://www.iccu.com/membership/. Getting started is easy! You can open your account online by following this link: https://apply.iccu.com/#/sso-start. If you have any questions or need assistance during the process, don't hesitate to give us a call at (208) 667-7722. We're here to help you every step of the way as you take this exciting step towards better financial health at Idaho Central, located at 1327 W Appleway Ave Coeur D Alene Id 83814.

Business Banking & Commercial Services

Financing Options for 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 Easy

Beyond loans, we offer merchant services that simplify transactions for your business. Picture a busy Saturday at your store; with our easy-to-use payment processing options, you can serve customers quickly while managing your sales effortlessly. This means less time worrying about payments and more time focusing on what you do best running your business. Visit us at 1327 W Appleway Ave Coeur D Alene Id 83814, Coeur D Alene, ID, or call us at (208) 667-7722 to learn how we can help you achieve your business goals today!

Comprehensive List Of Services

Accessible Branch Services

We know that sometimes you prefer face-to-face interactions. That's why we provide basic drive-thru banking for quick deposits and withdrawals, along with straightforward ATM access for checking balances or withdrawing cash without any hassle. At Idaho Central, we're committed to serving our members with friendly support and expert guidance on all financial matters. If you're interested in exploring how we can help you achieve your financial goals, don't hesitate! Call us today at (208) 667-7722, visit us at 1327 W Appleway Ave Coeur D Alene Id 83814, or check out our website at Appleway for more information. Let us be part of your financial journey!

Business Banking Solutions

If you're a business owner, our Business Banking services are here to support you. From Merchant Services that simplify payment processing to tailored Business Loans for expansion or equipment purchase, we understand the challenges entrepreneurs face and are here to assist.

Convenient Digital Banking

In today's fast-paced world, having access to your accounts anytime is crucial. That's why at Idaho Central, we offer robust Online & Mobile Banking features. Check balances, pay bills, transfer funds, and even make deposits right from your smartphone or computer. Plus, with our ATM and cash withdrawal services available at various locations, managing your money has never been easier.

Personal Banking Made Easy

Our personal banking services are designed with you in mind. With Checking & Savings Accounts, you can easily manage your day-to-day finances while earning interest on your savings. If you're planning to buy a new car or need a reliable vehicle, our Auto Loans & Vehicle Financing options offer competitive rates and flexible terms to help you hit the road without breaking the bank. For those looking to invest in a home, we provide comprehensive Mortgage Loans & Refinancing solutions. Our team is ready to guide you through the process, ensuring that you understand all your options and find the best fit for your budget. We also offer Personal Loans & Debt Consolidation services, making it simpler for you to take control of your finances.

Rewarding Credit Options

Our Credit Cards with Rewards not only give you purchasing power but also offer cashback and points for every dollar spent. This makes everyday purchases even more rewarding!

Digital & Online Banking

Key Features

Our online banking platform provides you with real-time account management, allowing you to check balances, make transfers, and pay bills from the comfort of your home or on the go. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, if you're looking to skip the paperwork, our electronic signature authorization allows you to sign documents securely online. For those who prefer paperless statements, we offer e-statements, which not only help you stay organized but also reduce clutter in your mailbox. And if you're always on your phone, you'll love our mobile application that gives you easy access to all your banking needs right at your fingertips.

Security and Accessibility

Your security is our top priority. We use advanced technology to keep your information safe while ensuring that our services are user-friendly and accessible. Whether you're using mobile payments or accessing your accounts through our app, you can feel confident knowing that your transactions are protected. At Idaho Central, we aim to provide a banking experience that fits seamlessly into your life. With features like mobile payments and round-the-clock online banking, managing your finances has never been more straightforward or secure. Join us today at https://www.iccu.com/ and take control of your financial future!

Financial Strength

Growing Trust

Total Share and Deposit Accounts stand at 1,356,709, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $92,938,959, further enhancing our capability to support your needs. 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 1327 W Appleway Ave 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 operational efficiency is reflected in our $0, which enables 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.

Reinvesting in Your Future

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 further supported by $81,646 in used auto loans and $10,143,248,049 in total loans and leases, helping our members achieve their financial goals across various sectors.

Strong 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. We have options for both new and used vehicles, making it easy for you to find financing that suits your needs.

Credit Lines

For those who prefer having access to funds when needed, our credit lines provide just that. With a total of $2,890,714,213 in credit lines available, you can rest assured knowing you have financial flexibility whenever you need it. If you're considering any of our loan products or want to know more about refinancing options and eligibility criteria, feel free to reach out! You can contact us at 208-667-7722 or visit us at 1327 W Appleway Ave Coeur D Alene Id 83814. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Idaho Central, we're here to support your financial journey every step of the way!

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 offer various mortgage plans tailored to fit different financial situations. If you're interested in refinancing your current mortgage, we can assist with that as well.

Unsecured Credit Card Loans

Managing everyday expenses has never been easier with our 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. This can be an excellent way to handle unexpected costs without the stress of high-interest rates.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate 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 ensures that the offers presented are not only fair but also transparent. By adhering to strict compliance guidelines, LendMesh provides users with accurate and reliable information about available loans.

Idaho Central

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans