Idaho Central Idaho Falls ID Credit Union | Quick Personal Loans & Top Checking Accounts

Introduction

Welcome to Idaho Central at Thunder Ridge High School, your trusted partner in financial wellness since 1940. Located at 4941 1St St, Idaho Falls, ID 83401, we are proud to serve a vibrant community of 656,539 members, offering a range of services designed to meet your banking needs. With total assets exceeding $11.69 billion and deposits totaling $429,322,359, we prioritize your financial security and growth. Led by our dedicated CEO, Brenda Worrell, and Board President, Debbie McIntier, our team of over 1,845 employees is committed to fostering relationships based on trust and reliability. We understand that every member has unique financial goals, and our diverse offerings from auto loans to personal banking reflect our commitment to helping you achieve them. While members can visit us at the branch for in-person assistance during school hours, official correspondence should be directed to the same address: 4941 1st St, Idaho Falls, ID 83401. At Idaho Central, we believe in the power of community. Our total loan portfolio includes over 365,417 loans that support individuals and businesses alike. With a net worth of $1,025,743,094, you can count on us for stability and dedication to serving your financial needs. Explore how we can help you thrive financially by visiting our website at www.iccu.com or giving us a call at 208-478-3300 today! Your journey toward financial success starts here!

Branch History & Mission

Community Engagement

Our roots are firmly planted in community engagement. We actively seek ways to give back through various programs aimed at supporting local schools, charities, and community projects. By fostering these connections, we not only enhance the lives of our members but also contribute positively to the wider community. Join us on this journey! Experience firsthand how Idaho Central can help you achieve your financial goals while being part of a vibrant community-focused organization. Contact us today at 208-478-3300 or visit our website at iccu.com for more information on becoming a member. Together, let's build a brighter future!

Our Mission

The mission of Idaho Central is clear: we strive to provide exceptional financial services while being actively involved in the communities we serve. We believe that our role goes beyond banking; we are here to support local growth and development through various outreach initiatives and partnerships. Our team works tirelessly to create opportunities for our members through personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. We understand that every member's needs are unique. That's why we prioritize personalized service ensuring that each interaction is meaningful and impactful. While members can visit us at 4941 1st St, official correspondence should be sent to 4941 1st St, Idaho Falls, ID 83401 if needed. Idaho Central is also committed to embracing modern technology while ensuring accessibility for everyone. With features like online banking, mobile payments, and electronic signatures available, we make managing finances easy and convenient for all our members.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our location is compliant with ADA standards, featuring ramps and designated parking spaces to ensure everyone can access our services with ease. We want every member of the community to feel welcome when they walk through our doors.

Call to Action

We invite you to stop by Idaho Central at Thunder Ridge High School today! Whether you're interested in opening an account or just have questions about what we offer, our friendly team is eager to assist you. Don't hesitate to call us at 208-478-3300 or visit our website at iccu.com for more information. Your financial well-being is our priority!

Operating Hours

Idaho Central operates during school hours, specifically tailored for students and faculty. This allows us to cater directly to those who need financial services while balancing their busy school schedules. Feel free to reach out at 208-478-3300 if you have questions about our operating hours or services.

Services Offered

At our Idaho Falls branch, we offer a variety of personal banking services designed to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we're here to help you navigate your financial journey. While we do not currently have ATM or drive-thru services available at this location, our staff is always ready to assist you in person.

Member Eligibility

Becoming a member of Idaho Central is like joining a warm, welcoming community where your financial needs are truly valued. If you're looking to be part of something special, you'll be glad to know that eligibility is quite straightforward. Typically, membership is open to anyone who lives, works, or attends school in the communities we serve. This means if you're in the Idaho Falls area or connected to it in any way, you could easily join us! By becoming a member at Idaho Central, you not only gain access to our wide range of financial products and services but also enjoy lower fees and competitive rates designed with your best interests in mind. Ready to take the next step? Opening an account is simple and can be done online. Just visit us at https://apply.iccu.com/#/sso-start to get started. If you have any questions about eligibility or the membership process, feel free to give us a call at (208) 478-3300. For more detailed information about eligibility criteria, check out our website at https://www.iccu.com/membership/ . We can't wait to welcome you into the Idaho Central family!

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 That Work for You

In addition to loans, our merchant services simplify transactions for your business. Picture this: a busy Saturday at your store, and customers are ready to check out. Our payment processing solutions ensure that each transaction is smooth and efficient, allowing you to focus on what matters most your customers. Visit us at 4941 1St St Idaho Falls Id 83401 in Idaho Falls, ID, or reach out via phone at (208) 478-3300 to explore how our business banking and commercial services can empower your success. Together, let's build a brighter future for your business!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATMs at this location, our members can still access their funds through various cash withdrawal services available within our network. We invite you to explore all the services offered by Idaho Central at Thunder Ridge High School. If you have any questions or want personalized assistance, don't hesitate to reach out! You can contact us at (208) 478-3300 during school hours when students and faculty are present. Let us partner with you on your financial journey today!

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our Auto Loans & Vehicle Financing options make it easy and affordable. With competitive rates and flexible terms, you can drive off in your dream car without breaking the bank. We understand the importance of mobility, and our team is here to guide you through every step of the financing process.

Business Banking

For entrepreneurs and small businesses, our Business Banking services include essential tools such as merchant services and business loans. We understand that running a business requires support, so we provide resources that help you grow and succeed in a competitive marketplace.

Credit Cards with Rewards

Our Credit Cards with Rewards offer great benefits for everyday purchases. Whether you're shopping for groceries or planning a trip, earn points that can be redeemed for exciting rewards like travel discounts or cash back. Enjoy the convenience of managing your card online while taking advantage of exclusive offers.

Mortgage Loans & Refinancing

Homeownership is a goal for many, and at Idaho Central, we offer comprehensive Mortgage Loans & Refinancing solutions. Whether you're buying your first home or refinancing an existing mortgage for better rates, our friendly experts are ready to help you navigate the complexities of home loans with confidence.

Online & Mobile Banking

In today's fast-paced world, having access to your finances anytime is crucial. That's why we offer robust Online & Mobile Banking options. Check balances, transfer funds, pay bills, and even make deposits right from your smartphone or computer making banking easier than ever before.

Personal Banking

For individuals looking to manage their finances effectively, our Personal Banking services include both checking and savings accounts designed to fit various lifestyles. Whether you're saving for a vacation, planning for college, or just need a reliable account for everyday expenses, we have options that cater to your needs. Our accounts come with user-friendly features that allow you to track spending easily and save for future goals.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why we provide Personal Loans & Debt Consolidation options. These loans can help you cover medical bills, consolidate high-interest debt, or fund special projects. We focus on creating manageable repayment plans that work within your budget.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform allows you to check your account balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the convenience of e-statements, which help you keep track of your finances without the clutter of paper statements. Plus, for those who prefer signing documents digitally, we provide electronic signature authorization, making it easier than ever to complete transactions securely. If you're always on the go, our mobile application is here to help. It includes features like mobile payments, enabling you to make purchases directly from your phone. Need to send money to a friend? Our person-to-person transfer service simplifies this process, allowing you to send cash quickly and easily.

Security You Can Trust

At Idaho Central, security is our top priority. We use advanced technology to ensure that your personal information remains safe while you bank online or through our mobile app. Our user-friendly design makes navigation simple so that you can focus on what matters most managing your money effectively. Whether you're checking in on your accounts or making payments from the comfort of your home or on the move, our digital services are designed with you in mind. Join us at Idaho Central and experience banking that fits seamlessly into your life!

Financial Strength

Growing Together

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. 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 4941 1St St Idaho Falls Id 83401 or call (208) 478-3300 to learn more about how we can help you achieve your financial goals.

Member 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 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.

Reinvesting in You

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. Additionally, with $81,646 in used auto loans and $10,143,248,049 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

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. Whether you're interested in financing a new or used vehicle, our team is here to guide you through the process. We even provide refinancing options if you're looking to lower your monthly payments or reduce your interest rate.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $1,201,961,525 provide the capital needed to expand your operations and achieve your goals. At Idaho Central located at 4941 1St St Idaho Falls ID 83401, we pride ourselves on being part of this community and committed to serving our members' needs. If you're interested in learning more about any of our loan products or exploring eligibility options, please don't hesitate to contact us at 208-478-3300. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to assisting you with all your financial needs!

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, providing flexibility and competitive rates that make it easier for you to secure your dream home.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $261,654,757 in unsecured credit card loans helping members manage their finances effectively, you can enjoy peace of mind knowing that you have financial support when you need it most.

Loan Aggregator

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IDAHO CENTRAL

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans