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

Introduction

Welcome to Idaho Central, your trusted financial partner since 1940. Located at 2000 S Millenium Way, Meridian, ID 83642, we take pride in serving our community with integrity and dedication. Our goal is to support you in achieving your financial dreams while providing exceptional service tailored to your needs. At Idaho Central, we believe that our members are the heart of our organization. With a robust membership base of over 656,539, we have grown significantly, boasting total assets of nearly $11.70 billion and total deposits reaching $429.32 million. Our commitment to you is evident in our diverse range of services, including personal banking options like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. While you can visit us at our convenient branch location for all your banking needs, if you need to send official correspondence, please use our mailing address: 2000 S Millenium Way, Meridian, ID 83642-1551. Under the leadership of CEO Brenda Worrell and Board President Debbie McIntier, we strive to create an environment where every member feels valued and supported. We have a dedicated team of 1,845 employees ready to assist you with any inquiries or concerns. Whether you're looking to open a new account or apply for a loan, we invite you to explore our services further on our website at iccu.com. If you have any questions or would like personalized assistance, feel free to give us a call at (208) 846-7000. Your financial journey matters to us, and we're here to help every step of the way!

Branch History & Mission

Commitment to Community

Our commitment extends beyond traditional banking services. We actively engage in community outreach programs that foster local growth and development. By partnering with local organizations and schools, we aim to create opportunities that benefit everyone in the area. With an available ATM on-site but no drive-thru service or shared service center at this location, we focus on providing personal assistance during your visit. Our dedicated team is always ready to help you navigate your financial journey. Join us today at Idaho Central! Experience the difference of a credit union that truly cares about its members and community. Whether you're looking for a reliable partner for your personal or business banking needs or want to be part of something bigger than yourself Idaho Central welcomes you! For more information on how to become a member or to explore our services further, visit us online at iccu.com or call us at 208-846-7000.

Our Mission

Our mission is clear: to provide exceptional financial services while supporting the local community. We believe that by helping individuals achieve their financial goals, we can contribute to a stronger and more vibrant community. At Idaho Central, we offer a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. While you can visit us at our branch location in Meridian for all your banking needs during our lobby hours from Monday to Friday between 9:20 AM and 11:40 AM, official correspondence should be directed to our mailing address at 2000 S Millenium Way, Meridian, ID 83642-1551.

Branch Location & Accessibility

Accessibility Features

We understand how important accessibility is for our members. Our branch is equipped with ADA-compliant features, ensuring that everyone can navigate easily. Ample parking is available nearby, making it simple for you to stop by without any hassle.

Connect With Us

Have questions or need assistance? Feel free to reach out by calling us at 208-846-7000. Our friendly team is ready and eager to assist you! We invite you to visit us soon at Mountain View High School where your financial well-being is our priority!

Operating Hours

Our lobby hours are designed to accommodate your busy schedule. We're open Monday through Friday from 9:20 AM to 11:40 AM, offering you plenty of time during the day for all your banking needs.

Services Offered

At Idaho Central, we offer a variety of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have solutions that fit your financial journey. Plus, with ATM availability right on-site, accessing cash has never been easier.

Member Eligibility

Becoming a member of Idaho Central means joining a warm and welcoming community dedicated to supporting your financial journey. If you live, work, or attend school in the areas we serve, you're likely eligible to join us! It's that simple! We believe everyone deserves access to quality financial services, so if you meet our basic eligibility criteria which includes residing or working in certain regions you're already on the right track. You can find more detailed information about these criteria by visiting our membership page at https://www.iccu.com/membership/. Once you're ready to take the next step, opening an account is a breeze! Just head over to our account opening page at https://apply.iccu.com/#/sso-start, and you'll be guided through the process quickly and easily. If you have any questions along the way, don't hesitate to reach out to us at (208) 846-7000. We're excited to help you become a valued member of Idaho Central located at 2000 S Millenium Way Meridian Id 83642, where you'll enjoy personalized banking services tailored just for you.

Business Banking & Commercial Services

Business Loans 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 Made Easy

In addition to loans, we offer merchant services that simplify payment processing for your business. Whether you're running a retail shop or an online store, our solutions ensure that you can accept payments quickly and securely. This means more time focusing on what you do best serving your customers and growing your brand. Visit us at 2000 S Millenium Way Meridian Id 83642 in Meridian, ID, or call us at (208) 846-7000 to learn how we can support your business journey today!

Comprehensive List Of Services

Business Banking Solutions

For those managing small businesses or entrepreneurial ventures, our business banking services offer everything from merchant services to business loans. We understand the unique challenges of running a business, and we're here to provide financial tools that help you thrive.

Embracing Technology for Your Convenience

In today's fast-paced world, convenience is key. That's why at Idaho Central, we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Check balances, transfer funds, or even make person-to-person payments with just a few taps on your smartphone. Our ATM services ensure that you have access to cash when you need it most.

Personal Banking Made Easy

Whether you're opening your first checking account or saving for a big purchase, our personal banking services are designed to help you manage your finances effectively. We offer various checking and savings accounts that can fit any lifestyle. Need some extra funds for a new car? Our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. If you're considering a new home or looking to refinance, our mortgage loans and refinancing solutions provide competitive rates and personalized service.

Reach Out Today!

Our friendly team is ready to assist you! If you have questions about any of our services or need assistance with your account, don't hesitate to call us at 208-846-7000. We are here for you Monday through Friday from 9:20 AM to 11:40 AM. Join us at Idaho Central where we believe in building strong relationships with our members while offering the financial tools necessary for success. Explore all that we have to offer by visiting us online at iccu.com.

Supporting Your Financial Goals

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation options, you can take control of your finances again. Plus, our credit cards with rewards allow you to earn points on everyday purchases, giving you more value from your spending.

Digital & Online Banking

Enjoy Modern Banking Features

Our services don't just stop at basic banking functions. With our mobile payments feature, you can make purchases directly from your phone, making it easier than ever to handle daily transactions without needing cash or cards. In today's fast-paced world, staying connected with your finances shouldn't be difficult. At Idaho Central, we are committed to providing accessible and easy-to-use digital banking solutions so you can manage your accounts in real-time, whenever and wherever you need. For more information about our digital offerings, visit us online at https://www.iccu.com/ today!

Key Services

With our 24/7 Online Banking Services, you can check balances, pay bills, and transfer funds at your convenience. Our mobile application further enhances this flexibility, allowing you to manage your money right from your smartphone. Plus, with person-to-person transfers, sending money to friends or family is quick and easy no more waiting in line! Security is a top priority for us. We provide electronic signature authorization, ensuring that your transactions are safe and authorized only by you. Additionally, we offer e-statements, which not only help reduce paper clutter but also allow you to keep track of your account activity securely online.

Financial Strength

Growing Community Trust

Total Share Accounts stand at 1,356,709, showcasing a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending and investments total $92,938,959, reinforcing our commitment to providing the best service possible. 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 2000 S Millenium Way Meridian Id 83642 or call (208) 846-7000 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.*

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 efficient operations are reflected in our $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We pride ourselves on having a dedicated team of 1,719 full-time employees and 126 part-time employees, ensuring our branches are always ready to serve you with knowledgeable support.

Reinvesting for 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 lending capacity supports your financial goals across various sectors with $81,646 in used auto loans and a total of $10,143,248,049 in loans and leases available.

Solid 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. Whether you're interested in a brand-new vehicle or a reliable used one, our financing options are flexible and tailored to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $1,201,961,525 provide the capital needed to grow and expand your business. We understand that having access to funds can make all the difference when it comes to achieving your business goals.

Credit Lines

In addition to our personal and business loan offerings, we also provide competitive credit lines totaling $2,890,714,213. This allows you to have quick access to funds when unexpected expenses arise. At Idaho Central, we strive to support our members' financial journeys every step of the way. If you're considering refinancing or exploring eligibility options for any of our loan products, please feel free to reach out for more information. For inquiries or assistance, contact us at (208) 846-7000 or visit us at our branch located at 2000 S Millenium Way Meridian Id 83642 in Meridian, ID. 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, including Junior Lien 1-4 Family Residential Properties loans totaling $1,057,907,555, make buying or refinancing simple. We can guide you through the process, ensuring that you find the right loan for your unique situation.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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 rewards and benefits that make everyday purchases more rewarding.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures 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 users receive fair and transparent offers.

Idaho Central

Type of Loan Offerings

Home Equity Loans

Personal Loans