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

Introduction

Welcome to Idaho Central, your trusted partner in financial success, located right here at 429 Thain Rd, Lewiston, ID 83501. Since our establishment in 1940, we have proudly served our community with a commitment to providing reliable banking solutions tailored to meet your needs. With a total membership of 656,539 and over $11.6 billion in assets, we are dedicated to ensuring that each member feels valued and supported. At Idaho Central, we understand that banking is about more than just transactions; it's about building relationships. Our team is led by the experienced Brenda Worrell, our CEO, and guided by our Board President, Debbie McIntier. Together, they inspire our staff of 1,845 employees to provide exceptional service every day. While members can visit us at the branch for personalized assistance or to take advantage of our diverse range of services from checking and savings accounts to auto loans and business financing official correspondence should be sent to the same address: 429 Thain Rd, Lewiston, ID 83501. With total deposits amounting to $429,322,359 and a robust net worth of $1,025,743,094, Idaho Central stands strong as a pillar in the community. We also maintain a healthy liquidity position with $198,052,244 in cash readily available for our members' needs. We invite you to explore all that Idaho Central has to offer through our website at iccu.com. Whether you're looking for personal banking options or business solutions, we're here to help you achieve your financial goals. Don't hesitate to give us a call at (208) 667-7722 if you have any questions or need assistance. Join us today and experience the Idaho Central difference!

Branch History & Mission

Join Us

As we look toward the future, Idaho Central remains committed to empowering our members with the resources they need to achieve their financial goals. With an ATM available on-site and drive-thru banking for added convenience, we are here for you every step of the way. We invite you to become part of our family at Idaho Central. Experience firsthand how we can help you navigate your financial journey while contributing positively to our community. To learn more about membership or open an account today, please visit our website or call us at 208-667-7722. Together, let's build a brighter future!

Our Evolution

From the moment we opened our doors, Idaho Central has been dedicated to providing exceptional financial services while supporting local initiatives. Over the years, we have achieved significant milestones, including reaching a total asset value of over $11.69 billion. This growth has enabled us to offer diverse products such as auto loans, mortgages, and business banking solutions tailored to meet the unique needs of our members. As we expanded, so did our focus on technology and accessibility. We understand that today's members seek convenient options for banking. That's why we provide online and mobile banking services, ensuring that managing finances is easy and efficient. Additionally, our commitment to ADA compliance guarantees that everyone can access our services without barriers.

Our Mission

At Idaho Central, our mission is clear: to enhance the lives of our members through exceptional service and support. We believe in more than just providing financial products; we strive to make a positive impact within the community. This includes partnerships with local organizations and initiatives aimed at improving the quality of life for all residents in Lewiston and beyond. While you can visit us at 429 Thain Rd, official correspondence should be sent to 429 Thain Rd, Lewiston, ID 83501 if different from your visit address. Our team is here during operating hours from Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 3 PM, ready to assist you with any questions or needs you may have.

Branch Location & Accessibility

Easy Access and Amenities

At Idaho Central, we prioritize accessibility for all our members. Our location features ADA-compliant entrances and ramps, ensuring that everyone can visit us comfortably. We also offer ample parking space, so you won't have to worry about finding a spot when you come by. For those who prefer the convenience of banking from their vehicle, we have a drive-thru service available for quick transactions.

Get in Touch

If you have any questions or need assistance before your visit, feel free to give us a call at 208-667-7722. Our team is always happy to help! We invite you to stop by Idaho Central in Lewiston today and discover how we can support your financial journey.

Operating Hours and Services

We're here for you during the following hours: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 3 PM. This schedule makes it easy for you to fit banking into your busy life. Inside our branch, you'll find friendly staff ready to assist with a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more. Additionally, we provide ATM services right on-site for those quick cash withdrawals or balance checks. While members can visit us at 429 Thain Rd, official correspondence should be sent to the same address: 429 Thain Rd, Lewiston, ID 83501.

Member Eligibility

Welcome to the community at Idaho Central, where becoming a member is like gaining access to a supportive family that's dedicated to your financial well-being. At our branch, located at 429 Thain Rd Lewiston Id 83501, we believe that everyone deserves the opportunity to benefit from our tailored services. Membership is available to anyone who lives, works, or worships in certain areas, as well as immediate family members of existing members. This means whether you're looking for personal banking solutions or want to take advantage of our competitive loan rates, you can feel right at home with us. Joining is easy! You can start the process by visiting our website and checking out the detailed eligibility criteria at https://www.iccu.com/membership/ . If you're ready to open an account, simply head over to https://apply.iccu.com/#/sso-start . Our friendly team is always here to help, so don't hesitate to give us a call at (208) 667-7722 if you have any questions. We can't wait for you to experience the many advantages of being part of Idaho Central!

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 That Matter

Imagine having a reliable partner that streamlines your payment processing and enhances customer satisfaction. Our merchant services offer just that, allowing you to accept payments easily, whether online or in-person. This means more time spent focusing on what you do best running your business. Visit us at 429 Thain Rd Lewiston Id 83501 in Lewiston, ID to learn how we can help your business flourish! Reach out via phone at (208) 667-7722 for more information about our offerings.

Comprehensive List Of Services

Auto Loans and Vehicle Financing

If you're planning to buy a car, our auto loans can help get you behind the wheel faster. With competitive rates and flexible terms, financing your dream vehicle has never been easier. Picture yourself driving off in a new car while enjoying manageable monthly payments that fit your budget.

Business Banking Services

For our entrepreneurial members, we provide comprehensive business banking solutions including merchant services and business loans. Imagine having access to tools that not only help manage day-to-day operations but also foster growth for your venture.

Convenient Access Points

Our branch features essential services such as ATM access for quick withdrawals and balance checks, as well as basic drive-thru banking for deposits and simple transactions. This means you can complete your banking tasks without stepping inside the branch if you're short on time. We invite you to explore all these services at Lewiston. If you have any questions or need assistance, don't hesitate to reach out at (208) 667-7722. Your financial journey starts here, and we are excited to be part of it! Visit us today or check out our website at https://www.iccu.com/ for more information on how we can serve you better.

Mortgage Loans and Refinancing

Thinking about buying a home or refinancing your current mortgage? Our mortgage loans provide options that cater to first-time homebuyers as well as seasoned homeowners looking for better rates. Let us help you navigate the path to homeownership with ease.

Personal Banking Solutions

Whether you're looking to open a new checking or savings account, our personal banking services are designed with you in mind. Imagine having the ability to manage your finances easily through our online and mobile banking platforms. You can track your spending, pay bills, and transfer money from the comfort of your home or on the go. We also offer credit cards with rewards that make everyday purchases more rewarding.

Personal Loans and Debt Consolidation

Life can throw unexpected expenses your way. That's why we offer personal loans and debt consolidation services designed to give you financial relief when you need it most. Whether it's for a major purchase or consolidating existing debts, our team will work with you to find a solution that fits your situation.

Digital & Online Banking

Key Services

With our online banking platform available at https://www.iccu.com/ , you can check balances, transfer funds, and pay bills with just a few clicks. Our 24/7 online banking services ensure that you have full control over your financial activities whenever you need it. Plus, we make it easy to stay organized with electronic statements, which are not only eco-friendly but also convenient for tracking your finances. Are you always on the move? Our mobile application allows you to manage your accounts right from your smartphone. From making person-to-person transfers to utilizing mobile payments, we empower you to handle transactions quickly and securely. You can even sign documents electronically, making processes faster and more efficient.

Security and Accessibility

Your security is our top priority. We use advanced encryption technology to protect your information, so you can bank with peace of mind. Our user-friendly interface makes navigating through features a breeze, whether you're tech-savvy or just getting started with online banking. At Idaho Central, we aim to provide accessible and straightforward solutions that fit into your lifestyle. Join us in embracing the future of banking where managing your money is as easy as tapping a button! For more information or to get started today, visit https://www.iccu.com/ .

Financial Strength

Building Trust Together

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 429 Thain Rd Lewiston Id 83501 or call (208) 667-7722 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.

Commitment to Growth

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 ability to support your financial needs is reflected in our $81,646 in used auto loans and $10,143,248,049 in total loans and leases. This lending capacity supports members' financial goals across various sectors.

Member Savings Secured

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 commitment to operational efficiency is evident with a net income of $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.

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 provide flexible terms tailored to fit your budget and lifestyle. Whether you're considering a brand-new model or a reliable used option, our auto financing can make it happen.

Credit Lines and Business Loans

For those who need additional flexibility or are running a business, our credit lines totaling $2,890,714,213 can provide quick access to funds when you need them most. Additionally, our outstanding commercial loans amounting to $1,201,961,525 are designed specifically for business owners seeking capital for growth and expansion. At Idaho Central located at 429 Thain Rd Lewiston ID 83501, we're dedicated to providing accessible financial solutions tailored for you. For more information about our loan offerings or if you're ready to apply today, feel free to reach out at 208-667-7722. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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. We offer competitive rates and various terms to meet your needs. If you're interested in refinancing your current mortgage or exploring eligibility options for a new one, our team is here to guide you through the process.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our unsecured credit card loans. With a total of $261,654,757 in loans available to help members effectively manage their finances, we provide flexible terms that allow for responsible spending without the burden of collateral.

Loan Aggregator

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Ensuring Accurate 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, based on the latest results (Source: https://www.ncua.gov ). This commitment to compliance guarantees that all offers are fair and transparent.

IDAHO CENTRAL

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans