Idaho Central Spokane WA Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Idaho Central at 41 W Riverside Ave, Spokane, WA 99201, where our commitment to serving you runs deep. Established in 1940, we have been a cornerstone of the Spokane community for over 80 years, providing reliable financial services to our growing membership of 656,539 individuals. Our branch is not just a place for transactions; it's a hub for building relationships and fostering financial wellness. At Idaho Central, we understand that trust is essential in finance. That's why we proudly manage total assets of $11,696,566,096 and total deposits amounting to $429,322,359. With a robust net worth of $1,025,743,094, we're dedicated to ensuring the safety and security of your funds. Our team works hard to maintain a strong financial foundation so you can focus on achieving your goals. Under the leadership of our CEO, Brenda Worrell, and Board President Debbie McIntier, we strive for excellence in all aspects of our service. We employ 1,845 talented staff members who are passionate about helping you navigate your financial journey. Whether you're looking for personal banking options like checking accounts or auto loans or exploring business banking solutions, we're here to support you every step of the way. While members can visit us at our branch location for personal service, official correspondence should be sent to the same address: 41 W Riverside Ave, Spokane, WA 99201. If you have any questions or need assistance, don't hesitate to reach out at (509) 672-5100. We invite you to explore all that Idaho Central has to offer by visiting us online at iccu.com or stopping by our branch. Your financial well-being is our priority let's achieve it together!

Branch History & Mission

Community Focus

Our commitment extends beyond just banking. Idaho Central actively participates in community outreach efforts, partnering with local organizations to support education, health initiatives, and economic development. We believe that when our community thrives, so do our members. With features like ATM availability and drive-thru banking services, we ensure that accessing your funds is always easy and efficient. Our operating hours Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 3 PM are designed with your convenience in mind.

Join Us

As we look toward the future, we invite you to be part of the Idaho Central family. Experience firsthand the benefits of membership where your financial success is our priority. Join us today and discover how Idaho Central can help you on your journey toward achieving your dreams! For more information or to become a member, please reach out at 509-672-5100 or visit us online at Idaho Central. Together, let's build a brighter financial future!

Our Journey

Idaho Central began as a small financial cooperative with a mission to provide affordable banking services to its members. Over the years, our commitment to community and member service has fueled our growth. As we expanded, we remained focused on what truly matters: helping our members achieve their financial goals. Today, you can find us at 41 W Riverside Ave, conveniently located near local landmarks that make us easily accessible for everyone in the area. While members can visit us at our branch address, official correspondence should be sent to 41 W Riverside Ave, Spokane, WA 99201. This location is not just an office; it's a hub for community engagement and financial empowerment.

Our Mission

At Idaho Central, our mission is simple yet powerful: we are dedicated to providing exceptional financial services while fostering strong relationships within the communities we serve. Our goal is to empower individuals and families by offering products like checking and savings accounts, auto loans, mortgage options, and business banking solutions tailored to meet diverse needs. We recognize the importance of digital advancements and strive to make banking easier for our members through online banking and mobile applications. Whether it's making payments or accessing account information from anywhere, we're committed to delivering convenient solutions that enhance your experience.

Branch Location & Accessibility

Welcome to Idaho Central's Riverside branch, conveniently located at 41 W Riverside Ave in the heart of Spokane, WA! Our location is not just easy to find; it's surrounded by local landmarks that make your visit even more enjoyable. Whether you're stopping by after a stroll along the Spokane River or visiting one of the nearby parks, we're here to provide you with friendly service and financial solutions tailored to your needs. At our Riverside branch, accessibility is a priority. We offer ample parking for our members and ensure that our facilities are ADA compliant. You'll find ramps and other features designed to make banking as smooth as possible for everyone. We understand that time is precious, which is why our lobby hours are designed with your busy schedule in mind. Join us Monday through Friday from 9 AM to 6 PM, and on Saturday from 9 AM to 3 PM. For those on the go, we also have drive-thru banking available for quick deposits and withdrawals without leaving your vehicle. Need cash? No problem! Our ATM is open for your convenience, allowing you to access funds whenever you need them. If you have questions or want to learn more about our services like personal banking options or auto loans feel free to give us a call at 509-672-5100. While members can visit us at 41 W Riverside Ave, official correspondence should be sent to the same address since it serves as both our branch and mailing address. Come by and experience how Idaho Central can support your financial journey. We look forward to welcoming you soon!

Member Eligibility

Joining the Idaho Central community is not just about opening a bank account; it's about becoming part of a family that supports each other in achieving financial wellness. At our branch located at 41 W Riverside Ave, Spokane, WA 99201, we welcome a diverse group of individuals to apply for membership. Whether you're a resident of Washington, work here, or have family ties to our area, you may qualify to join us. We strive to make banking accessible for everyone, and being a member means enjoying personalized service and competitive rates on loans and savings. For more details on eligibility requirements, feel free to explore our website at https://www.iccu.com/membership/ . Becoming a member is simple! You can easily start the process by visiting our account opening page at https://apply.iccu.com/#/sso-start or give us a call at 5096725100 if you have any questions. We're here to help you take the next step towards better financial opportunities with Idaho Central.

Business Banking & Commercial Services

Financing Options to Fuel Your Growth

Imagine needing funds to expand your operations or invest in new equipment. Our commercial loans can help turn those dreams into reality. We've funded over $2,502 in commercial loans for our members, helping businesses scale and succeed. Additionally, we support the broader business community with $8 in non-member commercial loans, providing flexible financing solutions for all types of businesses. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: 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 Tailored for You

In today's fast-paced market, having the right tools is essential. Our merchant services streamline payment processing, making it easier for you to focus on what matters running your business. Whether you're a retail shop accepting credit cards or a service provider looking for mobile payment options, we have solutions that fit your needs. Visit us at 41 W Riverside Ave Spokane Wa 99201 in Spokane, WA, or contact us at (509) 672-5100 to learn how our business banking and commercial services can support your goals!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need quick access to cash? Our ATM services ensure that withdrawals and balance checks are just a few taps away. Plus, for those on the go, our basic drive-thru banking allows you to complete deposits and simple transactions without having to leave your car. At Idaho Central, we're not just about providing services; we're about building relationships with our members. Our knowledgeable team is here to assist you with any questions or needs you may have. To learn more about how we can assist you or to open an account today, give us a call at (509) 672-5100 or visit us online at Riverside. We're excited to support your financial journey!

Business Banking Solutions

For our business members, we understand that every dollar counts. That's why we offer comprehensive business banking services, including merchant services that simplify payment processing and business loans to help you grow your enterprise. We are committed to supporting local businesses and helping them thrive.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking platforms that allow you to manage your accounts anytime, anywhere. With features like mobile payments, person-to-person transfers, e-statements, and electronic signature authentication, banking has never been easier or more accessible.

Personal Banking Services

Managing your money should be simple and straightforward. That's why we offer various personal banking options, including checking and savings accounts that fit your lifestyle. If you're thinking about buying a car, our auto loans and vehicle financing services make it easy for you to get behind the wheel without breaking the bank. For those looking to invest in a home, our mortgage loans and refinancing options can help you find the right fit for your budget. Do you need extra cash for unexpected expenses? Our personal loans and debt consolidation services provide flexible solutions tailored to your situation. And if you're interested in earning rewards while you spend, check out our credit cards with rewards that give back every time you use them.

Digital & Online Banking

Key Services Offered

Our online banking service is available 24/7, making it simple for you to check balances, pay bills, and transfer money whenever you need to. If you're looking to send money quickly, our person-to-person transfer feature allows you to send funds with just a few taps on your mobile device. And speaking of mobile devices, our dedicated mobile application offers all these features right at your fingertips, ensuring that managing your finances is as easy as checking a text message.

Real-Time Management

With all these features combined, you can enjoy real-time account management that fits into your lifestyle. Whether you're grabbing coffee or waiting in line at the grocery store, accessing your financial information is just a click away. You can even set up mobile payments for added convenience, allowing you to pay for purchases directly from your phone. At Idaho Central, we strive to make banking easier and more accessible for everyone. Explore our digital services today and see how they can simplify your financial life!

Security and Accessibility

When it comes to security, we've got you covered. Our electronic signature authorization process ensures that your transactions are safe and sound. Plus, opting for e-statements means you can view your account statements securely online without the hassle of paper clutter. This not only enhances security but also helps protect the environment.

Financial Strength

At Idaho Central, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are dedicated to maintaining the highest standards of financial health to ensure that your money is safe and working for you. 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. 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. 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 robust; with $81,646 in used auto loans and a total of $10,143,248,049 in loans and leases, we support our members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, 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 and committed team. The funds available for lending and investments stand at $92,938,959 in net shares. Additionally, our total share accounts have reached 1,356,709, showcasing 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 or borrowing or planning for the future, Idaho Central is your trusted partner. Visit us at 41 W Riverside Ave Spokane WA 99201 or call 509-672-5100 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 flexible financing options that cater to both new and used vehicles. Additionally, if you're considering refinancing your current auto loan for better terms or lower rates, our team can assist you with eligibility options.

Business Loans

For business owners looking for capital to grow and expand their operations, we have outstanding commercial loans totaling $1,201,961,525. These loans are tailored to meet the unique needs of your business and support its growth trajectory. If you're interested in any of these loan products or want to learn more about refinancing options available at Idaho Central located at 41 W Riverside Ave Spokane Wa 99201, don't hesitate to reach out! You can contact us at 509-672-5100 during our operating hours: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 3 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. Explore our offerings today and take a step towards achieving your financial dreams!

Credit Card Loans

Managing finances is easier with our 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. This option provides convenience for everyday purchases while allowing you to build credit.

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 personalized assistance to guide you through the process and help you find the right loan that fits your budget.

Loan Aggregator

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IDAHO CENTRAL

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans