Idaho Central Meridian ID Credit Union | Best Auto Loans & Mortgage Refinancing

Introduction

Welcome to Idaho Central, your trusted partner in financial well-being since 1940. Located at 6348 North Linder Rd, Meridian, ID 83646, we take pride in serving our community with a personal touch. Our mission is simple: to provide our members with exceptional financial services that cater to their unique needs. With over 656,000 members and total assets exceeding $11.6 billion, we are committed to helping you achieve your financial goals. At Idaho Central, our extensive offerings include everything from personal banking such as checking and savings accounts to auto loans, mortgages, and credit cards with rewards. We also support local businesses with tailored solutions like merchant services and business loans. Whether you're looking for a new vehicle or planning for homeownership, our dedicated team is here to guide you every step of the way. Our leadership team, led by CEO Brenda Worrell and Board President Debbie McIntier, emphasizes a strong community connection and an unwavering commitment to our members' financial success. We understand that trust is essential in any relationship, especially when it comes to managing your finances. That's why we strive to create a welcoming environment where you feel valued and supported. While members can visit us at our branch location, official correspondence should be sent to 6620 N LInder Rd, Eagle, ID 83616. We invite you to contact us at 208-884-2132 or explore our website at iccu.com for more information about how we can assist you. Join us today and discover the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

Community Engagement

Idaho Central takes pride in its active role within the community. Through partnerships with local organizations and initiatives aimed at improving the quality of life in Meridian and surrounding areas, we work tirelessly to give back. Whether it's sponsoring local events or offering financial literacy programs, we are dedicated to making a positive impact beyond banking. As technology advances, so do we. Our digital banking options allow members to manage their finances anytime and anywhere. From mobile payments to online banking platforms, we've embraced innovation while ensuring ADA compliance for all members. We invite you to join us at Idaho Central! Experience the benefits of being part of a credit union that values its members and community above all else. For more information or to open an account today, please visit our website or call us at 208-884-2132. Together, let's achieve great things!

Our Mission

Our mission at Idaho Central is simple yet powerful: to help our members achieve their financial goals while supporting our local community. We believe in providing personalized financial solutions that empower individuals and businesses alike. We understand that every member's needs are unique; therefore, we are committed to delivering exceptional service through innovative products and resources. We strive to be more than just a financial institution; we aim to be a trusted partner in your journey towards financial well-being. With operating hours from Monday to Friday 9:00 AM - 6:00 PM and Saturday 9:00 AM - 3:00 PM, we ensure accessibility for all members. Our branch also features convenient ATM access and drive-thru banking services for added convenience.

Branch Location & Accessibility

Accessibility Features

At Idaho Central, we prioritize making banking accessible for everyone. Our branch is ADA compliant, featuring ramps and wide doorways for ease of access. You'll find our friendly staff ready to assist you with any needs you might have while visiting.

Call to Action

We invite you to visit us at Idaho Central's North Linder branch today! If you have questions or need assistance, feel free to give us a call at 208-884-2132. Let us help you achieve your financial goals with ease!

Nearby Landmarks

Our branch is just a stone's throw away from popular local spots like the Meridian Speedway and Settlers Park, making it easy to stop by while enjoying your day out. With ample parking available right outside our doors, you can quickly hop in and out without any stress.

Operating Hours & Services

We understand that everyone has busy schedules, which is why we offer flexible operating hours. Our lobby is open Monday through Friday from 9:00 AM to 6:00 PM and on Saturday from 9:00 AM to 3:00 PM. We also have a drive-thru service available for quick transactions without leaving your car perfect for those on the go! Our services cover everything from personal banking needs like checking and savings accounts to auto loans, mortgage options, and business banking solutions. Plus, we provide ATM access for cash withdrawals and balance checks whenever you need it.

Member Eligibility

At Idaho Central, we believe that everyone deserves a chance to be part of a welcoming financial community. Becoming a member is simple and can open the door to a range of benefits tailored just for you. If you live, work, or go to school in Idaho, you're likely eligible to join us! We also welcome family members of existing members, making it easy for your loved ones to enjoy our services too. To learn more about the specific eligibility requirements, feel free to visit our detailed page at https://www.iccu.com/membership/ . Joining is an effortless process. You can quickly open your account online by visiting https://apply.iccu.com/#/sso-start or give us a call at (208) 884-2132 if you have any questions. Our friendly team is here to help make your transition smooth and enjoyable. Located at 6348 North Linder Rd Meridian Id 83646, we're excited to have you join our family and start benefiting from everything we offer!

Business Banking & Commercial Services

Merchant Services That Make a Difference

But it doesn't stop there. Our merchant services offer practical tools that help streamline your day-to-day operations. From easy payment processing to managing cash flow efficiently, we provide solutions that fit your needs, allowing you to focus on what matters most growing your business. Located at 6348 North Linder Rd Meridian Id 83646 in Meridian, ID, we are here to partner with you for your financial journey. Reach out today at (208) 884-2132 to learn more about how we can help your business thrive!

Tailored Loan Solutions

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

Business Banking Services

For our business members, we offer comprehensive solutions including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, our team is here to help ensure your business thrives.

Convenient Access

At Idaho Central, convenience is key. With an ATM available on-site, you can easily access cash whenever needed. Our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your car perfect for those busy days! Our commitment extends beyond just physical branches; we prioritize digital access as well. With features like mobile payments, person-to-person transfers, and e-statements, managing your finances has never been easier or more efficient. Whether you're visiting us in person or accessing your accounts online from the comfort of your home, we aim to provide exceptional service every step of the way. Ready to explore all the financial possibilities with us? Call us today at (208) 884-2132 or visit us at North Linder! Your journey towards financial wellness starts here!

Credit Solutions

Managing debt can be overwhelming. That's why we provide personal loans and debt consolidation services that allow you to streamline your payments and reduce stress. Additionally, our credit cards with rewards give you the chance to earn points on everyday purchases, turning spending into savings.

Home Financing Options

When it comes to finding the perfect home, our mortgage loans and refinancing options are designed to help you navigate the process with ease. Picture yourself settling into your dream home while we assist with competitive rates and terms that make sense for you.

Personal Banking Solutions

We understand that managing your money is important. That's why we offer various checking and savings accounts tailored to fit different lifestyles. Imagine having easy access to your funds through our online and mobile banking platforms allowing you to check balances, transfer money, and pay bills from anywhere. If you're in the market for a car, consider our auto loans and vehicle financing options. We work with you to find a plan that suits your budget, making it easier than ever to drive away in the car you want.

Digital & Online Banking

Accessibility and Control

We know life gets busy, which is why having real-time access to your accounts matters. With our online banking features, you can stay on top of your finances effortlessly. From setting up alerts for transactions to managing multiple accounts in one place, everything is designed with you in mind. At Idaho Central, we're committed to making banking straightforward and secure. Explore all our digital offerings today at https://www.iccu.com/ and experience the ease of managing your finances anytime, anywhere!

User-Friendly Features

Our mobile application makes banking even more convenient. You can easily deposit checks using your smartphone, make mobile payments, and track your spending all from the palm of your hand. Security is a top priority for us; that's why we offer electronic signature authorization for document signing and e-statements for easy access to your account statements without the clutter of paper.

Financial Strength

Efficient Operations

Our operational efficiency is evident with a reported net income of $0, which allows 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 ready to assist you with knowledgeable service.

Growing Membership Base

We are pleased to report total share accounts reaching 1,356,709, showcasing a strong and growing member base that trusts us with their finances. This growth reflects our dedication to maintaining a healthy environment for both saving and borrowing. 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 6348 North Linder Rd Meridian Id 83646 or call (208) 884-2132 to learn more about how we can help you achieve your financial goals.

Reinvesting for Your Benefit

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 commitment to member satisfaction is reflected in our diverse lending capacity: with $81,646 in used auto loans and $10,143,248,049 in total loans and leases, we're here to support your financial goals across various sectors.

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

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 also provide financing for both new and used vehicles, ensuring you find an option that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $1,201,961,525 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in equipment or inventory, our team is ready to assist you with tailored solutions.

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 and help you explore eligibility options that may work for you.

Unsecured Credit Cards

Managing finances effectively is crucial. We also offer flexible terms on unsecured credit card loans, with a total of $261,654,757 in loans helping members handle everyday expenses and emergencies. Our credit cards come with competitive rates and various rewards that can enhance your spending power.

Why Choose Idaho Central?

We pride ourselves on being more than just a lender; we are a partner in your financial journey. Our commitment to transparency means you'll receive clear information about all loan terms and conditions without any hidden fees. Plus, if you're interested in refinancing options or want to know if you're eligible for any products we offer, our knowledgeable staff is here to help. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Feel free to reach out for personalized assistance or visit us at our branch located at 6348 North Linder Rd Meridian Id 83646. For any inquiries or further information about our loan offerings, call us at 208-884-2132. We look forward to supporting you on your financial journey!

Loan Aggregator

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IDAHO CENTRAL

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans