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

Introduction

Welcome to Idaho Central, your trusted financial partner located at 3343 E Mullan Ave, Post Falls, ID 83854. Since our establishment in 1940, we have grown into a thriving community credit union dedicated to serving over 656,539 members. With total assets exceeding $11.6 billion, we pride ourselves on being a reliable source for all your banking needs. At Idaho Central, we understand the importance of financial security and accessibility. That's why we offer a range of services from personal banking solutions like checking and savings accounts to auto loans, mortgage refinancing, and business banking options. Our commitment to our members extends beyond just financial transactions; we strive to build lasting relationships within our community. Led by our CEO Brenda Worrell and Board President Debbie McIntier, our team of over 1,800 employees is here to support you every step of the way. Whether you prefer in-person assistance or the convenience of online banking, we ensure that our services are tailored to fit your lifestyle. While you can visit us directly at our branch for any inquiries or services, please note that official correspondence should be sent to the same address: 3343 E Mullan Ave., Post Falls, ID 83854. With total deposits amounting to $429 million and a net worth of approximately $1 billion, Idaho Central stands as a pillar of strength in the financial community. We invite you to explore how we can help you achieve your financial goals. Feel free to reach out by calling us at 208-667-7722 or visit our website at iccu.com for more information. Join us today and become part of a community-focused credit union that puts members first!

Branch History & Mission

Looking Ahead

As we look towards the future, we remain committed to innovation and enhancing our digital services. Our online banking platform allows you to manage your accounts easily from anywhere. We also ensure ADA compliance so that all members can access our services without barriers. We invite you to join the Idaho Central family today! Experience firsthand how we're dedicated not just to your financial success but also to uplifting our entire community. Visit us at 3343 E Mullan Ave Post Falls Id 83854 or give us a call at (208) 667-7722 we can't wait to welcome you!

Our Journey

Idaho Central began with a simple mission: to provide accessible and affordable financial services to our members. From our humble beginnings, we've evolved into a trusted partner for many families and businesses in Post Falls and beyond. Along the way, we've expanded our offerings to include personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking services. Our journey has not just been about growth in numbers but also about making a positive impact within our community. We actively participate in various outreach initiatives that support local schools, charities, and events. This commitment to community service is at the heart of what we do.

Our Mission

At Idaho Central, our mission is clear: we strive to empower our members by providing them with the tools they need to achieve their financial goals. We believe that everyone deserves access to quality financial services that are tailored to their unique needs. Whether you're looking for help with savings accounts or seeking advice on business loans, we are here for you every step of the way. While members can visit us at 3343 E Mullan Ave Post Falls Id 83854, official correspondence should be sent to 3343 E Mullan Ave., Post Falls, ID 83854. We offer convenient operating hours from Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 3:00 PM. Additionally, we provide ATM access and drive-thru banking services for added convenience.

Branch Location & Accessibility

Accessibility and Parking

Our branch is designed with accessibility in mind. We provide ADA-compliant features to ensure that everyone can visit us comfortably. Ample parking is available right outside our doors, making it easy for you to hop in and out during your busy day.

Operating Hours

We understand that life can be hectic, which is why we offer flexible operating hours to accommodate your schedule. Our lobby hours are Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 3:00 PM. Need assistance outside these hours? Feel free to reach out at 208-667-7722 we're here to help!

Services Offered

At Idaho Central, we pride ourselves on offering a wide range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Plus, our drive-thru service allows for quick deposits and withdrawals without ever needing to leave your car. And don't forget about our ATM availability for those cash withdrawal needs.

Visit Us Today!

While members can visit us at our Post Falls branch for all their banking needs, official correspondence should be sent to our mailing address at 3343 E Mullan Ave., Post Falls, ID 83854. We invite you to stop by and discover how Idaho Central can help you achieve your financial goals. Join us today or give us a call we can't wait to meet you!

Member Eligibility

Becoming a member of Idaho Central is like joining a close-knit community that truly cares about your financial well-being. If you're wondering whether you qualify, you'll be pleased to know that eligibility is quite accessible. Generally, anyone who lives, works, or worships in the areas we serve can become a member. This means you're welcomed into our family, where we prioritize your needs and provide personalized services just for you. To find out more about specific eligibility details, feel free to check out this helpful resource: https://www.iccu.com/membership/ . Opening an account with us is simple and straightforward! You can start the process online by visiting https://apply.iccu.com/#/sso-start or give us a call at (208) 667-7722 if you have any questions. We're here to help you every step of the way at our branch located at 3343 E Mullan Ave Post Falls Id 83854. Join us today and discover the benefits of being part of Idaho Central, where your financial success is our mission!

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 running your business without worrying about payment processing. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. With tools that cater to various payment methods, including credit and debit cards, you can serve your customers better while enhancing their experience. Join us at 3343 E Mullan Ave Post Falls Id 83854 in Post Falls, ID, and discover how we can help your business thrive! For more details, reach out at (208) 667-7722 or visit us online at http://www.iccu.com.

Comprehensive List Of Services

Accessing Services Made Easy

At Idaho Central, we also recognize the importance of accessibility. Our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your car. If you prefer using an ATM, our locations offer basic access for withdrawals and balance checks whenever you need them. We invite you to visit us at 3343 E Mullan Ave Post Falls Id 83854, call us at (208) 667-7722, or explore more about our offerings online at Post Falls. Let us partner with you on your financial journey today!

Business Banking Solutions

For our business members, business banking services, including merchant services and business loans, are available to support your entrepreneurial journey. We understand how crucial it is for businesses to have access to reliable financial tools, so we're here to help whether you're just starting or looking to expand.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With capabilities like mobile payments and person-to-person transfers, handling your finances has never been easier. Plus, our ATM services ensure that cash withdrawal is straightforward and hassle-free.

Personal Banking Made Simple

Our personal banking services are tailored to help you manage your finances effectively. From checking and savings accounts that offer competitive rates to auto loans and vehicle financing options, we strive to provide solutions that fit your lifestyle. Imagine driving away in a new car with an auto loan that suits your budget! For those considering larger purchases, our mortgage loans and refinancing options can guide you towards securing your future home sweet home.

Rewarding Credit Card Options

Looking for ways to earn while you spend? Our credit cards with rewards allow you to gain points for every purchase, turning everyday expenses into exciting benefits. Whether it's cashback or travel rewards, you'll find the perfect card that matches your spending habits.

Support When You Need It Most

Financial challenges can arise unexpectedly. That's why we offer personal loans and debt consolidation services, helping you regain control of your finances when it matters most. With flexible terms and competitive interest rates, you can focus on what truly counts your peace of mind.

Digital & Online Banking

E-Statements and Mobile Application

Staying organized has never been easier! We offer e-statements that let you view your account activity without the hassle of paper statements. This not only helps keep your financial information secure but also helps the environment. For those on the go, our mobile application is available to ensure you have access to all your banking needs right in your pocket. With this app, you can manage your accounts, make person-to-person transfers effortlessly, and even utilize mobile payments for quick transactions.

Security and Accessibility

Your security is our priority. Our online banking services are designed with advanced security features to protect your personal information. Plus, with real-time account management, you'll always be aware of what's happening with your finances. At Idaho Central, we're committed to providing you with accessible and easy-to-use digital solutions that fit your lifestyle. Embrace the future of banking today with us!

Financial Strength

Growing Member Base

Total Share Accounts stand at 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) amount to $92,938,959, further enhancing our ability to support your needs. 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 3343 E Mullan Ave Post Falls Id 83854 or call (208) 667-7722 to learn more about how we can help you achieve your financial goals.

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 $0 reflects our operational efficiency, 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, committed team.

Reinvestment 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 capacity to support your financial goals is evident as we have $81,646 in used auto loans and a total of $10,143,248,049 in loans and leases.

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 are looking for a brand-new model or a reliable used vehicle, we have options tailored to meet your needs.

Commercial Loans

For business owners looking to expand their operations or start new ventures, our outstanding commercial loans totaling $1,201,961,525 provide the capital needed to grow and thrive. We understand the unique challenges faced by businesses and are committed to supporting your journey. At Idaho Central in Post Falls (3343 E Mullan Ave Post Falls ID 83854), we're here to help you navigate your financial options. Whether you're interested in an auto loan or exploring mortgage solutions, reach out to us at 208-667-7722 for personalized assistance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Your financial success is our priority!

Credit Lines

For those needing additional flexibility, our total credit lines of $2,890,714,213 provide access to funds when you need them most. This option allows you to borrow as needed while only paying interest on what you use.

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 offer competitive rates and flexible terms that can fit any budget. If you're considering refinancing your existing mortgage or exploring eligibility options for a new one, our dedicated team is here to guide you through the process.

Unsecured Credit Card Loans

Managing everyday expenses 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 come with no collateral requirement and can assist you in covering unexpected costs or consolidating debt.

Loan Aggregator

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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 guarantees that users receive fair and transparent offers. By working with reputable lenders, LendMesh provides a trustworthy comparison experience.

IDAHO CENTRAL

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans