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

Introduction

Welcome to Idaho Central, your trusted partner in financial success, located at 3339 E Ustick Rd, Meridian, ID 83646. Since our establishment in 1940, we have been dedicated to serving our community with a commitment to excellence and integrity. With over 656,000 members benefiting from our services, we pride ourselves on being more than just a credit union; we are a vibrant part of your local community. At Idaho Central, we understand that your financial needs are unique. That's why we offer a range of personalized services tailored just for you. From checking and savings accounts to auto loans and mortgages, we have you covered. Our total assets exceed an impressive $11.7 billion, reflecting our stability and ability to support our members' financial journeys. We also believe in transparency and trust, which is why we're proud to share that our net worth stands at $1.03 billion, ensuring that you can rely on us for your financial needs now and in the future. We manage a robust total deposit amounting to $429 million, demonstrating our members' confidence in us. Our cash reserves of $198 million further highlight our strong position in the market. Led by CEO Brenda Worrell and Board President Debbie McIntier, our team is committed to delivering exceptional service every day. With a workforce of over 1,800 employees, we're always here to assist you 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. While you can visit us at our branch location for all your banking needs, official correspondence can be sent to the same address: 3339 E Ustick Rd, Meridian, ID 83646-4886. Join us at Idaho Central today! Whether you're looking for guidance on loans or want to open an account, feel free to call us at 208-846-7000 or explore more about what we offer at iccu.com. Together, let's build a brighter financial future!

Branch History & Mission

Community Focus

Our commitment extends beyond traditional banking. We are deeply involved in local initiatives that enhance education, health, and welfare in our community. By collaborating with schools and organizations, we aim to create opportunities for growth and development for everyone. As technology continues to evolve, so do we. Our online banking options allow members to manage their finances conveniently from anywhere. With mobile payments and electronic signatures available, accessing your funds has never been easier.

Join Us Today!

If you're looking for a credit union that values its members as much as its community, Idaho Central is the place for you. Join us today and experience firsthand the benefits of being part of a cooperative that truly cares about your financial well-being. Visit us at our branch or check out our website at iccu.com for more information on how you can become a member!

Mission Statement

At Idaho Central, our mission is clear: we empower our members through exceptional financial services while actively supporting the communities we serve. We believe in giving back through various outreach programs and partnerships aimed at improving lives within Meridian and beyond. Our goal is not just to meet financial needs but also to foster a spirit of unity and cooperation among our members. While members can visit us at 3339 E Ustick Rd, official correspondence should be sent to 3339 E Ustick Rd, Meridian, ID 83646-4886 if necessary.

Our Story

Idaho Central began its journey with a simple mission: to provide accessible financial services tailored to the needs of our community. Over the years, we've seen remarkable growth and transformation, from our humble beginnings to becoming one of the largest credit unions in the state. Our commitment to innovation and customer satisfaction has led us to embrace digital advancements while ensuring that our services remain personal and approachable. Our branch is not just a place for banking; it's a welcoming space where relationships are built. We offer a range of services including checking and savings accounts, auto loans, mortgages, and business banking solutions. Whether you're withdrawing cash from our ATM or utilizing our drive-thru banking services, we strive to make every interaction friendly and efficient.

Branch Location & Accessibility

Accessibility Features

At Idaho Central, we understand that accessibility matters. Our branch is designed with features that accommodate everyone. You'll find ample parking space right outside, including accessible spots for those who need them. Our entrance is ADA compliant, ensuring that all members can access our services without difficulty.

Call to Action

Ready to experience exceptional service? We invite you to visit us at the Ustick branch or give us a call at 208-846-7000. Our team looks forward to welcoming you and helping you achieve your financial goals!

Operating Hours

We know that life can get busy, which is why we offer flexible banking hours. You can visit us Monday through Friday from 8:30 AM to 6:00 PM and on Saturdays from 9:00 AM to 3:00 PM. Whether you're stopping by for a quick transaction or need assistance with a more complex service, our friendly staff is ready to help during these hours.

Services Offered

At our Ustick branch, we provide a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered! If you're a business owner, you'll also find valuable services such as merchant services and business loans. Need cash? Enjoy convenient ATM access and drive-thru banking for quick deposits or withdrawals. With all these services available in one spot, it's easy to see why so many members choose Idaho Central for their banking needs.

Member Eligibility

At Idaho Central, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is straightforward and open to anyone who meets our eligibility criteria. Whether you live, work, or attend school in the areas we serve, you can join us! We welcome individuals from all walks of life to take advantage of our diverse range of financial products and services designed to help you thrive. If you're ready to start your journey with us at Idaho Central, head over to our membership page for more details on eligibility at https://www.iccu.com/membership/. Once you're familiar with the requirements, opening an account is just a click away through our easy online application process found here: https://apply.iccu.com/#/sso-start. If you have any questions or need assistance, feel free to call us at (208) 846-7000. Join us today at 3339 E Ustick Rd Meridian Id 83646 and experience the benefits of being part of the Idaho Central family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine running your day-to-day operations without worrying about payment processing. Our merchant services simplify transactions, enabling you to focus on what matters most growing your business. From secure payment solutions to real-time analytics, we provide the tools you need to enhance customer satisfaction and streamline your operations. Visit us at 3339 E Ustick Rd Meridian Id 83646, Meridian, ID, or call us at (208) 846-7000 to learn more about how we can support your business goals.

Tailored 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.

Comprehensive List Of Services

Accessible Branch Services

When visiting our branch, you'll find basic drive-thru banking available for quick deposits, withdrawals, and simple transactions. For those who prefer using ATMs, we also provide basic ATM access for balance checks and cash withdrawals. No matter what financial service you're interested in, we're here to make it easy for you at Idaho Central in Meridian. With friendly staff ready to assist you during our operating hours (Monday-Friday 8:30 AM - 6:00 PM; Saturday 9:00 AM - 3:00 PM), feel free to call us at 208-846-7000 with any questions or visit us at iccu.com to learn more about how we can serve you better. Join us today and discover the difference that comes with being part of a community-focused credit union!

Business Banking Options

For our business members, we provide comprehensive banking solutions including merchant services and business loans. We believe in supporting local businesses because they are vital to our community's growth.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Idaho Central, we offer online and mobile banking platforms that allow you to manage your finances from anywhere. Whether you're paying bills or transferring money between accounts, it's all just a few clicks away. Our ATM and cash withdrawal services ensure you have access to your funds whenever you need them.

Home Financing Made Easy

Looking to buy a home? Our mortgage loans and refinancing options provide flexibility and support throughout the process. We know that securing a mortgage can be daunting, so our experts are ready to guide you through every detail, ensuring you understand your choices.

Personal Banking Solutions

We understand that everyone's financial journey is unique. That's why we offer personalized banking solutions tailored just for you. Our checking and savings accounts are designed to help you save money while keeping it easily accessible. If you're considering purchasing a vehicle, our auto loans and vehicle financing options make it easy to drive off in the car you want without breaking the bank.

Support for Your Financial Goals

If you're dealing with debt or planning a big purchase, our personal loans and debt consolidation services can help simplify your finances. Additionally, we offer credit cards with rewards, allowing you to earn benefits on your everyday purchases.

Digital & Online Banking

Key Services

Explore our online banking platform at https://www.iccu.com/ where you can access your accounts 24/7. Whether you're checking your balance, making payments, or transferring money between accounts, everything is just a click away. Our user-friendly interface makes it easy for anyone to navigate their financial landscape without hassle. Need to send money to a friend? Our person-to-person transfer feature lets you do just that with ease. Say goodbye to complicated processes; now you can quickly transfer funds directly from your mobile device or computer. Plus, with our mobile application available for download, banking is always at your fingertips.

Security and Convenience

Security is a top priority at Idaho Central. We utilize advanced encryption technology to ensure that your personal information remains protected while you bank online. Additionally, our electronic signature authorization simplifies document signing without the need for printing or faxing saving you both time and resources. For those who prefer to receive account statements digitally, we also offer e-statements. This eco-friendly option not only keeps your information organized but also allows for easier tracking of your finances over time. With features like mobile payments integrated into our system, you can make transactions on the spot whether you're shopping in-store or paying bills online. Our digital tools are designed with you in mind, ensuring that managing your money is as straightforward as possible. In summary, at Idaho Central, our digital and online banking services empower you to take control of your financial life with ease and security. Start experiencing the benefits today by visiting us online!

Financial Strength

Dedicated Team Ready to Serve You

We 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 and committed team. With a total of 1,356,709 share accounts, we show 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 3339 E Ustick Rd Meridian Id 83646 or call 208-846-7000 to learn more about how we can help you achieve your financial goals.

Member-Centric 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.

Operational Efficiency

Our net income of $0 reflects our operational efficiency during this period. Despite this figure being neutral right now, it allows us to continue offering competitive loan rates and solid financial products for our members without the pressure of profit maximization found in traditional banks.

Reinvesting for Better Services

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 is also robust; with $81,646 in used auto loans and over $10 billion in total loans and leases available to support your financial goals across various sectors.

Strong Financial Position

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 Options

For those who are business owners or entrepreneurs seeking growth opportunities, our outstanding commercial loans totaling $1,201,961,525 provide the capital needed to expand your business. If you're interested in any of our loan products or would like more information about eligibility and refinancing options available at Idaho Central, feel free to reach out to us at 208-846-7000 or visit us at 3339 E Ustick Rd Meridian Id 83646. Our knowledgeable staff is ready to assist you from Monday through Friday from 8:30 AM to 6:00 PM and Saturday from 9:00 AM to 3:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together towards achieving your financial aspirations!

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 and ensure you find the right option for your budget.

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 provide competitive rates and flexible terms to help you secure the home of your dreams. Plus, if you're looking to refinance an existing mortgage, we can help with that too.

Unsecured Credit Card Loans

Managing finances can 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, these cards can be a great solution for those looking to consolidate debt or cover unexpected expenses.

Loan Aggregator

Benefits of Using LendMesh

LendMesh offers several key advantages that enhance the loan comparison experience: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You won't have to worry about hidden fees or unexpected terms. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you see the best options available without any influence from advertising. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh helps users make informed decisions quickly. You can compare rates in a matter of minutes. 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!" Ready to find the best loan rates tailored to your needs? Compare real-time loan offers today at LendMesh. --- 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 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 approach ensures fair and transparent offers, giving users confidence in their choices.

Idaho Central

Type of Loan Offerings

Home Equity Loans

Personal Loans