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

Introduction

Welcome to Idaho Central, your trusted partner in financial services right here in Jerome, ID. Since our establishment in 1940, we've been dedicated to serving our members with integrity and care. Our branch at 2355 S Lincoln Ave is designed to be a welcoming space where you can explore a wide range of personal and business banking solutions tailored just for you. At Idaho Central, we pride ourselves on being more than just a credit union; we're a community. With over 656,000 members, we understand the unique needs of our community and strive to make a positive impact. Our total assets stand strong at an impressive $11,696,566,096, reflecting our commitment to growth and stability. Whether you're looking for a new auto loan, mortgage refinancing, or simply want to open a checking account, we have options that fit your lifestyle. Our total loans and leases amount to 365,417, illustrating our ability to support you in achieving your financial goals. Plus, with total deposits reaching $429,322,359, you can trust that your money is secure with us. Under the leadership of our CEO Brenda Worrell and Board President Debbie McIntier, our team of 1,845 employees is here to assist you every step of the way. We offer services like online banking, mobile payments, and even drive-thru access for your convenience. While members can visit us at 2355 S Lincoln Ave, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to call us at 208-733-4777. Join us at Idaho Central where your financial success is our mission! Visit us online at iccu.com or stop by today to discover how we can help you thrive in your financial journey.

Branch History & Mission

At Idaho Central, we take pride in our rich history and commitment to serving the community. Established in 1940, our branch in Jerome, Idaho, has grown from a small credit union into a trusted financial partner for over 656,000 members. Located at 2355 S Lincoln Ave, our branch is easily accessible and just a stone's throw away from local landmarks, making it convenient for all your banking needs. Our mission is simple yet powerful: to enhance the lives of our members and communities through exceptional financial services. We believe that everyone deserves access to quality banking solutions, and we work diligently to provide personalized service that meets the unique needs of each member. With total assets exceeding $11.6 billion, we have the resources to support your financial goals, whether it's saving for a home, buying a vehicle, or planning for retirement. Over the years, Idaho Central has embraced innovation and digital advancements to improve member experiences. Our services include online and mobile banking, allowing you to manage your accounts anytime and anywhere. We also offer ATMs and drive-thru banking for quick access to cash or simple transactions. While members can visit us at 2355 S Lincoln Ave, official correspondence should be sent to 2355 S Lincoln Ave, Jerome, ID 83338 if needed. We are open Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 3:00 PM, ensuring that you have ample opportunity to connect with us. Community support is at the heart of what we do. We actively participate in outreach programs and partnerships that benefit local organizations and initiatives. Our goal is not just to provide financial services but also to be a positive force in our community. Join Idaho Central today and experience firsthand how we can help you achieve your financial dreams while making a difference in Jerome and beyond. Visit us or check out our website at www.iccu.com for more information on becoming a member!

Branch Location & Accessibility

Accessibility and Convenience

Our location boasts ample parking, making it easy for you to stop by whether you're running errands or just passing through. We're fully equipped with ADA-compliant features, ensuring that everyone can access our services comfortably.

Operating Hours

At Idaho Central, we are here for you during the week from 9:00 AM to 6:00 PM and on Saturdays from 9:00 AM to 3:00 PM. Whether you need assistance with personal banking, auto loans, or any of our other services, our friendly staff is ready to help during these hours.

Services Offered

In addition to traditional banking services like checking and savings accounts, we offer auto loans and mortgage refinancing options tailored to fit your needs. For quick transactions, you can utilize our drive-thru banking for deposits and withdrawals without leaving your car. Plus, enjoy the convenience of ATM access for balance checks and cash withdrawals whenever you need them. If you have any questions or want more information about what we offer, feel free to give us a call at 208-733-4777. We're excited to serve you and look forward to welcoming you soon at Idaho Central!

Member Eligibility

Becoming a member of Idaho Central is like joining a welcoming family where your financial needs are truly understood. If you live, work, or worship in the areas we serve, you're likely eligible to join our community. We pride ourselves on being inclusive and supportive, making it easy for individuals and families to access a range of services tailored just for them. To learn more about specific eligibility criteria, feel free to visit our detailed page at https://www.iccu.com/membership/ . Opening an account with us is straightforward and can be done online. With just a few clicks, you can start enjoying the benefits of membership at Idaho Central. We offer various personal banking services that cater to your unique needs, from checking and savings accounts to loans and credit cards with rewards. If you have any questions or need assistance, don't hesitate to reach out to us at (208) 733-4777. Your journey towards financial wellness begins here!

Business Banking & Commercial Services

Business 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.

Merchant Services

Imagine your customers paying seamlessly at your storefront or online. Our merchant services make transactions easy and efficient, allowing you to focus on what you do best running your business. From credit card processing to mobile payment solutions, we provide the tools you need to thrive in a competitive marketplace. Located conveniently at 2355 S Lincoln Ave Jerome Id 83338 in Jerome, ID, we're here to partner with you on your path to success. Contact us today at (208) 733-4777 or visit our website for more information!

Comprehensive List Of Services

Additional Services

If you prefer face-to-face interactions for transactions like deposits or withdrawals, our basic drive-thru banking is available for simple transactions. With access to ATMs for balance checks and cash withdrawals throughout Jerome, you'll find managing your money easier than ever. With these diverse offerings at Idaho Central in Jerome, we're dedicated to making banking accessible and straightforward for all our members. If you're ready to explore how our services can benefit you or if you have questions about opening an account, feel free to call us at 208-733-4777 or visit us online at iccu.com. Your financial success is our priority!

Business Banking

For local entrepreneurs and business owners, we provide comprehensive business banking services. From merchant services that simplify payment processing to business loans that help you grow your enterprise, we have what it takes to support your ventures.

Digital Banking

In today's fast-paced world, convenience is key. Our online and mobile banking services allow you to manage your finances anytime, anywhere. Check your balances, transfer money, and even make payments with just a few taps on your smartphone. We also offer ATM and cash withdrawal services, ensuring that accessing your funds is quick and hassle-free.

Personal Banking

Our personal banking services are designed with you in mind. You can choose from various checking and savings accounts that fit your lifestyle. If you're planning to purchase a vehicle, our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. For those considering homeownership or refinancing, we offer mortgage loans that can help you achieve your goals. Have unexpected expenses? Our personal loans and debt consolidation solutions can provide the support you need during tough times. Plus, our credit cards with rewards give you the chance to earn while you spend.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, with mobile payments enabled, you can make purchases directly from your phone without the hassle of cash or cards. For those who prefer managing their accounts on the go, our mobile application is user-friendly and packed with features. Whether you're checking your balance or depositing checks through electronic signature authorization, everything is streamlined for ease of use. And if you prefer keeping track of your transactions digitally, e-statements are readily available.

Security You Can Trust

Your security is our top priority. We use advanced encryption technology to protect your information and ensure that your transactions are safe. Our electronic signature authorization feature adds an extra layer of security when you need to sign documents online, giving you peace of mind as you manage your finances. At Idaho Central, we believe in making banking easy and accessible for everyone. So whether you're at home or on the move, our digital banking tools empower you to take control of your financial life with confidence. Visit us today at https://www.iccu.com/ and experience the convenience of modern banking!

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. With a firm commitment to your financial well-being, we continuously strive to maintain robust financial health that benefits our community. 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. 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. 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 supports members' financial goals across various sectors with $81,646 in used auto loans and $10,143,248,049 in total loans and leases. Though our current net income stands at $0, it 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 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 2355 S Lincoln Ave Jerome Id 83338 or call (208) 733-4777 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

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 vehicle, our team is here to assist you every step of the way.

Business Financing

For business owners seeking to grow and expand their operations, our outstanding commercial loans totaling $1,201,961,525 provide the capital needed to take your business to the next level. We're dedicated to supporting local businesses and fostering economic growth within our community.

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. Whether you're a first-time buyer or looking to refinance an existing mortgage, our competitive rates and personalized service can help make your dream home a reality.

Refinancing Options

If you're considering refinancing any existing loans or credit lines for better rates or terms, we can guide you through eligibility options tailored to your specific situation. At Idaho Central located at 2355 S Lincoln Ave Jerome ID 83338, we're committed to providing transparent and accessible loan solutions for all our members. For more information about our loan products or to discuss your individual needs with one of our representatives, please call us at 208-733-4777. 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 helping you navigate your financial journey!

Unsecured Credit Cards

We also provide flexible terms on unsecured credit card loans. With a total of $261,654,757 in loans available, our credit cards come with features designed to help you manage your finances effectively while enjoying rewards on your purchases.

Loan Aggregator

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Ensuring Accurate Loan 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 to accuracy helps guarantee that users receive fair and transparent offers. Each loan comparison reflects current market conditions, enabling informed decisions.

IDAHO CENTRAL

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans