Idaho Central Nampa ID Credit Union | Low Mortgage Rates & Business Banking

Introduction

Welcome to Idaho Central, your trusted financial partner located at 5607 E Franklin Rd, Nampa, ID 83687. Established in 1940, we have proudly served our community for over eight decades, fostering a sense of belonging among our 656,539 members. At Idaho Central, we believe that strong communities are built on solid relationships, and our commitment to providing personalized service is at the heart of everything we do. With total assets exceeding $11.69 billion and total deposits reaching $429.32 million, we offer a secure banking environment where your finances can thrive. Our dedicated team, led by CEO Brenda Worrell and Board President Debbie McIntier, works tirelessly to ensure that every member's financial needs are met with care and expertise. At Idaho Central, we understand the importance of accessible banking services. Whether you're looking for personal checking accounts, auto loans, or business financing solutions, we've got you covered. Our branch features a drive-thru for quick transactions and an ATM for added convenience. You can also take advantage of our online and mobile banking options for seamless account management from anywhere. While members can visit us at 5607 E Franklin Rd, official correspondence should be sent to 5607 East Franklin Road, Nampa, ID 83687. If you have any questions or need assistance, don't hesitate to reach out at (208) 846-7000. Join us at Idaho Central where your financial well-being is our top priority. Discover how we can help you achieve your goals today! Visit our website at iccu.com or come see us in person!

Branch History & Mission

A Rich Legacy

Idaho Central began its journey with the vision of helping individuals and families achieve their financial goals. Over the decades, we have witnessed remarkable growth and change both within our organization and in the communities we serve. As we evolved, we embraced technology to enhance our services while maintaining a personal touch that our members have come to appreciate. With each passing year, we have expanded our offerings from traditional banking to include innovative solutions like online and mobile banking. Our commitment to ADA compliance ensures that everyone can access our services easily and comfortably. We're proud of our drive-thru banking options and ATM availability, making it convenient for our members to manage their finances on their terms.

Commitment to Community

At Idaho Central, our mission extends beyond just providing financial products; it's about making a real difference in people's lives. We actively engage in partnerships and outreach efforts aimed at improving the well-being of our community. Whether it's sponsoring local events or supporting educational initiatives, we believe in giving back to those who support us. While you can visit us at our Nampa branch for all your banking needs 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 official correspondence should be sent to 5607 East Franklin Road, Nampa, ID 83687 if different from our physical address.

Join Us Today

As we continue this journey together, we invite you to become part of the Idaho Central family. Experience firsthand how we can help you navigate your financial landscape with personalized service tailored just for you. Visit us online at iccu.com or call us at 208-846-7000 for more information on membership eligibility or to open an account today. Together, let's build a brighter future for ourselves and our community!

Branch Location & Accessibility

Getting Here

Our branch is situated near several well-known landmarks, allowing you to find us without any hassle. Whether you're coming from the downtown area or nearby neighborhoods, you'll find ample parking available right outside our doors. Plus, our facilities are ADA compliant, ensuring that everyone can access our services comfortably.

Operating Hours

At Idaho Central, we want to make banking as convenient as possible. Our lobby hours are Monday through Friday from 8:30 AM to 6:00 PM, and on Saturdays, you can utilize our drive-thru services from 9:00 AM until 3:00 PM. We understand that life can get busy, so we're here when you need us!

Services Offered

We offer a variety of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or even mortgage refinancing, we have you covered. Need quick cash? Take advantage of our ATM services right on-site. Our drive-thru is also available for simple transactions like deposits and withdrawals. While members can visit us at 5607 E Franklin Rd for all their banking needs, official correspondence should be sent to the same address as our mailing address is the same. If you have any questions or need assistance, don't hesitate to call us at 208-846-7000.

Visit Us Today!

We invite you to come see what makes Idaho Central special. Our friendly team is ready to assist you with all your banking needs. Stop by today or give us a call we look forward to serving you!

Member Eligibility

At Idaho Central, we believe that becoming a member means joining a close-knit community where your financial well-being is our top priority. If you live, work, or attend school in our service areas, you may already be eligible to join us! We welcome individuals from all walks of life, and the membership process is designed to be straightforward and welcoming. You can find more detailed information about eligibility by visiting our membership page. Once you confirm your eligibility, opening an account is a breeze! Just head over to our account opening portal to get started, or give us a call at (208) 846-7000 if you have any questions. We're here to help every step of the way. Join us at Idaho Central, located at 5607 E Franklin Rd Nampa Id 83687, and experience the benefits of being part of a supportive financial family!

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

Imagine having the tools to make transactions smoother and faster. Our merchant services do just that, allowing you to accept payments seamlessly, whether online or in-store. This means happier customers and more efficient operations for your business. Visit us at 5607 E Franklin Rd Nampa Id 83687, Nampa, ID, and let's explore how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

For local entrepreneurs, we offer robust Business Banking solutions. Our Merchant Services help streamline payment processing while our Business Loans empower you to grow and expand your ventures. We believe in supporting local businesses because they are vital to our community's economy.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we have invested heavily in our Online & Mobile Banking platforms. You can manage your accounts anytime, anywhere whether it's checking balances, transferring funds, or paying bills right from your smartphone or computer. Need cash? Our ATM & Cash Withdrawal Services, along with basic drive-thru banking for deposits and withdrawals, ensure that accessing your money is hassle-free. With an ATM located at 5607 E Franklin Rd Nampa Id 83687, getting cash has never been easier.

Personal Banking Solutions

Starting with personal banking, we offer various Checking & Savings Accounts designed to fit different lifestyles. Whether you're saving for a big purchase or managing daily expenses, our accounts come with no monthly fees and easy access to your funds. If you're considering buying a vehicle, our Auto Loans & Vehicle Financing options are both flexible and affordable. Imagine driving off in your dream car while knowing you got the best financing available! For those looking to invest in a home, our Mortgage Loans & Refinancing services can guide you through the process seamlessly, helping you secure the right mortgage for your situation. When life throws unexpected expenses your way, our Personal Loans & Debt Consolidation services provide quick access to cash when you need it most. Plus, our Credit Cards with Rewards program allows you to earn benefits on every purchase you make.

Your Friendly Neighborhood Credit Union

At Idaho Central, we pride ourselves on being more than just a bank; we are part of the community. Our friendly staff is always ready to assist you with any questions or concerns. You can reach us at (208) 846-7000 during business hours or stop by our branch located at 5607 E Franklin Rd Nampa Id 83687 in Nampa. We invite you to explore all that we have to offer and see how we can help meet your financial needs. Visit us online at Northeast Nampa or come see us in person today!

Digital & Online Banking

Always Available

We offer 24/7 online banking services so you can manage your finances at any hour. This flexibility allows you to handle urgent matters whenever they arise no need to wait for business hours. At Idaho Central, we aim to make banking not only straightforward but also enjoyable. Experience the benefits of modern banking tailored just for you!

Key Features

With our online banking platform, available at https://www.iccu.com/ , you can access your accounts anytime, anywhere. Check your balance, pay bills, and transfer funds with just a few clicks. Plus, our mobile application makes banking even more accessible. You can deposit checks, manage payments, and view your statements right from your smartphone.

Security and Ease of Use

Your security is our priority. With features like electronic signature authorization, you can sign documents online without worrying about safety. We also provide e-statements so you can keep track of your transactions without the clutter of paper. Need to send money to a friend? Our person-to-person transfer feature allows you to do this quickly and easily. And if you're someone who enjoys using digital wallets, our mobile payments feature ensures that making purchases is as simple as tapping your phone.

Financial Strength

Member Savings Security

Your savings are in safe hands at Idaho Central. We have $3,438,407,910 in share certificates and $2,855,848,745 in money market shares, which provide stable and rewarding growth opportunities for our members. 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 operational efficiency is reflected in our $0, which allows us to continue offering competitive loan rates and solid financial products tailored for our members. We also take pride in having 1,719 full-time employees and 126 part-time employees dedicated to providing personalized service whenever you need it.

Our 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.

Reinvesting in Your Future

We believe in reinvesting back into our community. With $940,725,170 in undivided earnings, we enhance innovative banking tools, stronger lending options, and improved security measures to serve you better. Our commitment extends across various sectors as evidenced by our $81,646 in used auto loans and $10,143,248,049 in total loans and leases that support your financial goals.

Trust Built on Numbers

As of now, we have a strong member base with 1,356,709 total share accounts, showcasing the trust our members place in us. The funds available for lending and investments stand at $92,938,959, further illustrating our capacity to serve your needs effectively. 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 5607 E Franklin Rd Nampa Id 83687 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.

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 financing options tailored to both new and used vehicles, ensuring that you can find the right fit for your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $1,201,961,525 provide the capital needed to grow and expand. From startup costs to equipment purchases or cash flow management, we have solutions tailored for your business needs.

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. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Refinancing Options

If you're considering refinancing any of your existing loans or credit lines, our experienced team can help assess your current situation and find options that may lower your monthly payments or reduce interest rates. At Idaho Central in Nampa (5607 E Franklin Rd), we're dedicated to providing personalized service and support throughout your borrowing experience. If you have any questions or need assistance with any of our loan products, feel free to reach out at 208-846-7000. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our lending options today!

Unsecured Credit Card Loans

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 come with benefits that allow you to make purchases while providing the freedom to pay off your balance at your convenience.

Loan Aggregator

Accurate Comparisons

LendMesh ensures accurate loan comparisons through its commitment to transparency and reliability. 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 means users receive fair and transparent offers, eliminating guesswork and promoting informed decision-making.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information presented is accurate and up-to-date. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every loan offer you see is presented equally, allowing for a fair comparison. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users are better equipped to make informed decisions regarding their finances. Knowing current rates allows you to seize opportunities when they arise. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the efficiency and effectiveness of using LendMesh as your go-to resource for loans. 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.*

IDAHO CENTRAL CREDIT UNION - Nampa, ID

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans