Idaho Central Meridian ID Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Idaho Central, your trusted financial partner located at 3127 W Cherry Ln, Meridian, ID 83642. Since our establishment in 1940, we have proudly served our community with a commitment to member satisfaction and financial well-being. With a total membership of over 656,539, we strive to create a welcoming environment where your financial goals can be achieved. At Idaho Central, we understand the importance of stability and growth. That's why we manage an impressive $11,696,566,096 in total assets and ensure that our members benefit from competitive rates on loans and deposits. Our $429,322,359 in total deposits reflects the trust our members place in us every day. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 3127 W Cherry Ln, Meridian, ID 83642-1122. Our dedicated team is here to assist you with a range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our leadership team is committed to your success. Under the guidance of CEO Brenda Worrell and Board President Debbie McIntier, we work diligently to ensure that Idaho Central remains a reliable choice for all your financial needs. We invite you to explore what makes Idaho Central unique. With over 1,845 employees ready to serve you and a wide array of digital banking options available including online banking and mobile payments we are here for you anytime. Don't hesitate to reach out at 208-846-7000 or visit our website at www.iccu.com for more information. Join us today and experience the difference that comes with being part of the Idaho Central family!

Branch History & Mission

Join Us

As we look forward to the future, we invite you to become part of the Idaho Central family. Experience firsthand how we can help you achieve your financial dreams while contributing positively to your community. Whether you're looking for checking accounts, auto loans, or simply want advice on managing your finances better our friendly staff is here for you. Call us today at 208-846-7000 or visit Idaho Central to learn more about membership opportunities and see how we can assist you on your financial journey!

Our Evolution

Since opening our doors, Idaho Central has made significant strides in providing quality financial services tailored to the needs of our members. Over the decades, we have expanded our offerings to include personal banking, auto loans, mortgages, business banking solutions, and advanced online and mobile banking features. The drive-thru service at our location enhances convenience for those on the go while our ATM availability ensures easy access to funds whenever needed. We are proud of how far we've come since 1940. As we evolved with technology and member needs, we also embraced digital advancements like electronic signatures and mobile payments, making banking easier than ever for our members. Each innovation is rooted in our mission to enhance member experiences while ensuring everyone feels supported throughout their financial journey.

Our Mission

The core mission of Idaho Central is simple yet profound: to enrich the lives of our members and strengthen the communities we serve. We believe that everyone deserves access to quality financial resources that empower them to achieve their goals whether it's buying a new home, financing a vehicle, or starting a business. Through various community outreach efforts and partnerships with local organizations, we strive not only to provide financial services but also to create lasting impacts that foster economic growth and stability in Meridian and beyond. Our team is dedicated to understanding each member's unique needs and delivering personalized solutions that truly make a difference. While members can visit us at 3127 W Cherry Ln for all their banking needs, official correspondence should be sent to our mailing address: 3127 W Cherry Ln, Meridian, ID 83642-1122.

Branch Location & Accessibility

Comprehensive Services at Your Fingertips

As a member of Idaho Central, you have access to a wide range of services right here at our branch. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing options, we've got everything covered. Our ATM is available for quick cash withdrawals and balance checks whenever you need it.

Easy Access and Parking

We understand that accessibility is key, which is why our branch features ADA-compliant entrances and parking options for everyone. When you arrive, you'll find ample parking space available, making it easy for you to pop in for a quick transaction or a more detailed financial discussion.

Operating Hours That Work for You

At Idaho Central, we strive to accommodate your busy schedule. Our lobby hours are Monday through Friday from 8:30 AM to 6:00 PM, and on Saturdays from 9:00 AM to 3:00 PM, so you can visit us at a time that suits you best. If you're in need of quick services, our drive-thru is ready to serve you during these hours as well.

We’re Here for You!

While members can visit us at 3127 W Cherry Ln, official correspondence should be sent to the same address. Have questions? Don't hesitate to call us at 208-846-7000; we're always happy to help! Come by today and experience the welcoming atmosphere of Idaho Central your trusted partner in financial success.

Member Eligibility

At Idaho Central, we believe that everyone deserves a welcoming financial home. Becoming a member is easy and open to anyone who lives, works, worships, or goes to school in our community. If you're over 18, you're already on your way! We also welcome immediate family members of current members, ensuring that our supportive environment extends beyond just individuals. Once you meet the eligibility criteria, you can start enjoying the benefits of membership, including competitive rates on loans and savings, personalized service, and access to our extensive range of financial products. To get started, visit us at our branch located at 3127 W Cherry Ln Meridian Id 83642 or give us a call at (208) 846-7000. For detailed eligibility requirements and to check for any updates, feel free to explore our website at https://www.iccu.com/membership/ . Ready to join? You can begin the account opening process online anytime by visiting https://apply.iccu.com/#/sso-start . We can't wait to welcome you into the Idaho Central family!

Business Banking & Commercial Services

Loan Options That Fuel 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 Make Transactions Easy

Imagine a local café that processes payments smoothly, keeping customers happy and coming back for more. Our merchant services simplify payment processing, allowing you to focus on what you do best running your business. From credit card processing to online payments, we provide reliable solutions that help streamline your operations. Visit us at 3127 W Cherry Ln Meridian Id 83642, Meridian, ID or call us at (208) 846-7000 to learn how we can partner with you on your journey to success!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, you'll find that our business banking services cater to your needs too. We offer merchant services to streamline payments and business loans to help you expand or manage your operations efficiently.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options. You can easily check balances, transfer funds, or pay bills from anywhere, at any time. Need cash? Our ATM services are accessible right when you need them, with features like balance checks and cash withdrawals available at various locations.

Drive-Thru and In-Branch Support

For those who prefer personal interactions, our basic drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your vehicle. Plus, our friendly staff is always ready to assist you inside the branch during our operating hours: Monday through Friday from 8:30 AM to 6:00 PM, and Saturday from 9:00 AM to 3:00 PM. At Idaho Central, we understand that every member's financial situation is different. That's why we strive to deliver personalized service along with comprehensive solutions that fit into your life seamlessly. Ready to explore how we can assist you further? Contact us at (208) 846-7000, visit us at 3127 W Cherry Ln Meridian Id 83642, or check out our website at Cherry Lane. We look forward to being part of your financial journey!

Personal Banking Solutions

Our personal banking services are designed with you in mind. From checking and savings accounts that help you manage your money effectively to auto loans and vehicle financing that make purchasing your dream car a reality, we've got you covered. If you're looking to buy a home, our mortgage loans and refinancing options provide competitive rates and flexible terms. And for those unexpected expenses, our personal loans and debt consolidation options can help get you back on track.

Rewarding Credit Card Options

Don't forget about our credit cards with rewards! These cards not only offer convenience but also allow you to earn points on every purchase, making everyday spending more rewarding.

Digital & Online Banking

Convenient Online Banking Services

With our 24/7 online banking services available at https://www.iccu.com/ , you can check balances, transfer funds, and pay bills from the comfort of your home or on the go. No more rushing to the bank before closing time; everything you need is just a few clicks away.

Mobile Accessibility

Our mobile application makes banking even simpler. Whether you're making person-to-person transfers or using our mobile payments feature, managing your finances has never been easier. You can make payments directly from your phone, ensuring that you're always in control of your transactions.

Real-Time Management

With these digital tools, you can manage your accounts in real time. Need to send money to a friend? Our person-to-person transfer feature lets you do that instantly, helping you handle life's little expenses without hassle. At Idaho Central, we're committed to providing accessible and user-friendly banking solutions that empower you to take charge of your financial journey. Join us online today and experience the convenience of modern banking!

User-Friendly Features

We prioritize your security with features like electronic signature authorization, allowing you to sign documents safely online without needing to visit a branch. Plus, with e-statements available, you can easily access your account statements whenever you need them helping you stay organized and reduce paper clutter.

Financial Strength

Committed to Growth

With $940,725,170 in undivided earnings, we reinvest in innovative banking tools and stronger lending options 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.

Member Trust

Total Share Accounts: 1,356,709, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $92,938,959, further demonstrating our commitment to providing valuable services to our members. Our financial strength means we can continue serving you with confidence. Whether you're saving or borrowing or planning for the future, Idaho Central is your trusted partner. Visit us at 3127 W Cherry Ln Meridian Id 83642 or call 208-846-7000 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our 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 team.

Secure Savings Options

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.

Strong Capital Foundation

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

Additional Information

If you're interested in refinancing or want to know about eligibility options for any of our loan products, don't hesitate to contact us or visit our website at iccu.com. 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 committed to helping you find the right financing solution for your unique situation. Whether you're looking for an auto loan or considering homeownership through our mortgage options, our experienced staff is here to guide you every step of the way.

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 a brand-new model or a reliable used vehicle, we've got financing options that work for you.

Business Loans

For business owners seeking capital to grow and expand their enterprises, we provide outstanding commercial loans totaling $1,201,961,525. Our team is dedicated to helping local businesses thrive by offering tailored financing solutions.

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 you with the financial support you need to own your dream home.

Unsecured Credit Cards

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, our credit cards come with great benefits and are designed to fit your lifestyle.

Loan Aggregator

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IDAHO CENTRAL

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans