Survey ResultsWe asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase.See the full results
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Idaho Central Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 9, 2026
Idaho Central Credit Union's top rates as of October 9, 2026 are 4.30% APY on its 60 Month Promo CD, 3.40% APY on savings, personal loans from 10.29% APR, and credit cards from 11.49% APR, according to rates verified by MonitorBankRates. Other Idaho Central Credit Union CD rates include IRA CD of Deposit Account - 60 Month Promo CD at 4.30%, 24 Month Promo CD at 4.25%, and IRA CD of Deposit Account - 24 Month Promo CD at 4.25%. MonitorBankRates evaluates the financial stability of Idaho Central Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.55%. Rates last updated and verified on 10/09/2026.
Idaho Central Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Idaho Central Credit Union? Share your experience about Idaho Central Credit Union by leaving a review below, or read customer reviews before you decide to use Idaho Central Credit Union.
Idaho Central Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Idaho Central Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Based on 1 member review averaging 5.0 stars.
Texas Ratio
?
4.55%
ExcellentLower than avg
Idaho Central Credit Union Texas Ratio
Idaho Central Credit Union's Texas Ratio is 4.55%, which is considered excellent and is lower than the national average of 6.13%.
Idaho Central Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.34% to 4.55% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Idaho Central Credit Union CD Rates
Product
Rate
APY
Term
View More
60 Month Promo CD
4.23%
4.30%
60 Month
Min Deposit$500
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
Oct 9, 20264.30%▲ from 3.90%
Sep 14, 20263.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
IRA Certificate of Deposit Account - 60 Month Promo CD
4.23%
4.30%
60 Month
Min Deposit$500
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.30% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
24 Month Promo CD
4.18%
4.25%
24 Month
Min Deposit$500
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Oct 9, 20264.25%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
IRA Certificate of Deposit Account - 24 Month Promo CD
4.18%
4.25%
24 Month
Min Deposit$500
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
18 Month Promo CD
4.14%
4.20%
18 Month
Min Deposit$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
IRA Certificate of Deposit Account - 18 Month Promo CD
4.14%
4.20%
18 Month
Min Deposit$500
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.20% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
12 Month Promo CD
4.09%
4.15%
12 Month
Min Deposit$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
IRA Certificate of Deposit Account - 12 Month Promo CD
4.09%
4.15%
12 Month
Min Deposit$500
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
6 Month Promo CD
3.95%
3.95%
6 Month
Min Deposit$500
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
IRA Certificate of Deposit Account - 6 Month Promo CD
3.95%
3.95%
6 Month
Min Deposit$500
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.95% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Idaho Central Credit Union Savings Rates
Product
Rate
APY
View More
High-Yield Online Savings Account
3.35%
3.40%
Min Balance$1,000
DetailsBalance: Balance1,000-24,999
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
High-Yield Online Savings Account
3.35%
3.40%
Min Balance$25,000
DetailsBalance: Balance25,000-49,999
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
High-Yield Online Savings Account
3.35%
3.40%
Min Balance$50,000
DetailsBalance: Balance50,000-99,999
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
High-Yield Online Savings Account
3.35%
3.40%
Min Balance$100,000
DetailsBalance: Balance100,000-249,999
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
IRA Money Market Savings Account
1.00%
1.00%
Min Balance$100,000
DetailsBalance: Balance100,000+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Money Market Savings
1.00%
1.00%
Min Balance$100,000
DetailsBalance: Balance100,000+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
IRA Money Market Savings Account
0.75%
0.75%
Min Balance$50,000
DetailsBalance: Balance50,000-99,999
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Money Market Savings
0.75%
0.75%
Min Balance$50,000
DetailsBalance: Balance50,000-99,999
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
IRA Money Market Savings Account
0.60%
0.60%
Min Balance$25,000
DetailsBalance: Balance25,000-49,999
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Money Market Savings
0.60%
0.60%
Min Balance$25,000
DetailsBalance: Balance25,000-49,999
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
IRA Money Market Savings Account
0.40%
0.40%
Min Balance$2,500
DetailsBalance: Balance2,500-24,999
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Money Market Savings
0.40%
0.40%
Min Balance$2,500
DetailsBalance: Balance2,500-24,999
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Central Cents Savings Accounts
0.25%
0.25%
Min Balance$0
DetailsBalance: 0.01+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Choice Savings Account
0.25%
0.25%
Min Balance$1,500
DetailsBalance: Balance1,500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Health Savings Account
0.25%
0.25%
Min Balance$0
DetailsBalance: Balance0-2,499
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 0.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Health Savings Account
0.25%
0.25%
Min Balance$2,500
DetailsBalance: Balance2,500-24,999
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 0.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Health Savings Account
0.25%
0.25%
Min Balance$25,000
DetailsBalance: Balance25,000+
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Idaho Medical Savings Account
0.25%
0.25%
Min Balance$0
DetailsBalance: Balance0-2,499
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 0.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Idaho Medical Savings Account
0.25%
0.25%
Min Balance$2,500
DetailsBalance: Balance2,500-24,999
Last Updated10/09/2026
Rate History
No change since Sep 29, 2026 · 0.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Idaho Medical Savings Account
0.25%
0.25%
Min Balance$25,000
DetailsBalance: Balance25,000+
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
IRA Savings Accounts
0.25%
0.25%
Min Balance$300
DetailsBalance: 300+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Youth Savings Account
0.25%
0.25%
Min Balance$1,500
DetailsBalance: Balance1,500+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Choice Savings Account
0.20%
0.20%
Min Balance$0
DetailsBalance: Balance0-1,499
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
IRA Savings Accounts
0.20%
0.20%
Min Balance$0
DetailsBalance: 0-299
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Youth Savings Account
0.20%
0.20%
Min Balance$300
DetailsBalance: Balance300-1,499
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Secondary Savings Account
0.15%
0.15%
Min Balance$300
DetailsBalance: 300+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Share Savings Account
0.15%
0.15%
Min Balance$300
DetailsBalance: 300+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Youth Savings Account
0.15%
0.15%
Min Balance$0
DetailsBalance: Balance0-299
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Idaho Central Credit Union Money Market Rates
Product
Rate
APY
View More
IRA Money Market Savings Account
1.00%
1.00%
Min Balance$100,000
DetailsBalance: Balance100,000+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Money Market Savings
1.00%
1.00%
Min Balance$100,000
DetailsBalance: Balance100,000+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
IRA Money Market Savings Account
0.75%
0.75%
Min Balance$50,000
DetailsBalance: Balance50,000-99,999
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Money Market Savings
0.75%
0.75%
Min Balance$50,000
DetailsBalance: Balance50,000-99,999
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
IRA Money Market Savings Account
0.60%
0.60%
Min Balance$25,000
DetailsBalance: Balance25,000-49,999
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Money Market Savings
0.60%
0.60%
Min Balance$25,000
DetailsBalance: Balance25,000-49,999
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
IRA Money Market Savings Account
0.40%
0.40%
Min Balance$2,500
DetailsBalance: Balance2,500-24,999
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Money Market Savings
0.40%
0.40%
Min Balance$2,500
DetailsBalance: Balance2,500-24,999
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Idaho Central Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit
-
-
6.75%
DetailsRate*
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
Sep 22, 20266.75%▲ from 6.50%
Sep 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Idaho Central Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan
5.69%
-
5.69%
48 months
DetailsAs Low As
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 5.54% → 5.69% ▲ 0.15 pts · high 5.69% / low 5.54%
Oct 9, 20265.69%▲ from 5.54%
Sep 18, 20265.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Auto Loan
5.94%
-
5.94%
60 months
DetailsAs Low As
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 5.79% → 5.94% ▲ 0.15 pts · high 5.94% / low 5.79%
Oct 9, 20265.94%▲ from 5.79%
Sep 18, 20265.79%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Auto Loan
6.24%
-
6.24%
72 months
DetailsAs Low As
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 6.09% → 6.24% ▲ 0.15 pts · high 6.24% / low 6.09%
Oct 9, 20266.24%▲ from 6.09%
Sep 18, 20266.09%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Idaho Central Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Vehicles
7.44%
7.44%
120 months
DetailsAs Low As
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.29% → 7.44% ▲ 0.15 pts · high 7.44% / low 7.29%
Oct 9, 20267.44%▲ from 7.29%
Sep 18, 20267.29%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Recreational Vehicles
7.69%
7.69%
144 months
DetailsAs Low As
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.54% → 7.69% ▲ 0.15 pts · high 7.69% / low 7.54%
Oct 9, 20267.69%▲ from 7.54%
Sep 18, 20267.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Recreational Vehicles
7.89%
7.89%
120 months
DetailsAs Low As
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.74% → 7.89% ▲ 0.15 pts · high 7.89% / low 7.74%
Oct 9, 20267.89%▲ from 7.74%
Sep 18, 20267.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Recreational Vehicles
8.04%
8.04%
48 months
DetailsAs Low As
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.89% → 8.04% ▲ 0.15 pts · high 8.04% / low 7.89%
Oct 9, 20268.04%▲ from 7.89%
Sep 18, 20267.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Recreational Vehicles
8.14%
8.14%
144 months
DetailsAs Low As
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.99% → 8.14% ▲ 0.15 pts · high 8.14% / low 7.99%
Oct 9, 20268.14%▲ from 7.99%
Sep 18, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Recreational Vehicles
9.04%
9.04%
60 months
DetailsAs Low As
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 8.89% → 9.04% ▲ 0.15 pts · high 9.04% / low 8.89%
Oct 9, 20269.04%▲ from 8.89%
Sep 18, 20268.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Idaho Central Credit Union Credit Card Rates
Product
Rate
APR
View More
Platinum Visa
-
11.49%
DetailsAs Low As; variable rate; Grace Period for Purchases: 20 to 25 days; Annual Fee:
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 11.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Rewards Visa
-
13.49%
DetailsAs Low As; variable rate; Grace Period for Purchases: 20 to 25 days; Annual Fee:
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 13.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Premier Rewards Visa
-
17.49%
DetailsAs Low As; variable rate; Grace Period for Purchases: 20 to 25 days; Annual Fee:
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 17.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Idaho Central Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Loans
10.29%
6 Months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 10.04% → 10.29% ▲ 0.25 pts · high 10.29% / low 10.04%
Oct 9, 202610.29%▲ from 10.04%
Sep 18, 202610.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Signature Loans
10.29%
12 Months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 10.04% → 10.29% ▲ 0.25 pts · high 10.29% / low 10.04%
Oct 9, 202610.29%▲ from 10.04%
Sep 18, 202610.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Signature Loans
10.99%
36 Months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 10.74% → 10.99% ▲ 0.25 pts · high 10.99% / low 10.74%
Oct 9, 202610.99%▲ from 10.74%
Sep 14, 202610.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Signature Loans
11.89%
72 Months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.64% → 11.89% ▲ 0.25 pts · high 11.89% / low 11.64%
Oct 9, 202611.89%▲ from 11.64%
Sep 14, 202611.64%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Signature Loans
12.39%
84 Months
No additional details.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 12.14% → 12.39% ▲ 0.25 pts · high 12.39% / low 12.14%
Oct 9, 202612.39%▲ from 12.14%
Sep 14, 202612.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Idaho Central Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Platinum Loan
-
-
11.49%
DetailsAs Low As; variable rate
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 11.24% → 11.49% ▲ 0.25 pts · high 11.49% / low 11.24%
Sep 29, 202611.49%▲ from 11.24%
Sep 14, 202611.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Premier Rewards Loan
-
-
17.49%
DetailsAs Low As; variable rate
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 17.24% → 17.49% ▲ 0.25 pts · high 17.49% / low 17.24%
Sep 29, 202617.49%▲ from 17.24%
Sep 14, 202617.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Rewards Loan
-
-
13.49%
DetailsAs Low As; variable rate
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 13.24% → 13.49% ▲ 0.25 pts · high 13.49% / low 13.24%
Sep 29, 202613.49%▲ from 13.24%
Sep 14, 202613.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Coverdell Education Savings Account
0.20%
-
0.20%
Min Balance$0
DetailsBalance: 0-299
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Coverdell Education Savings Account
0.25%
-
0.25%
Min Balance$300
DetailsBalance: 300+
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.55%
Financial Health History
Idaho Central Credit Union’s Texas Ratio rose from 3.34% in Q3 2023 to 4.55% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$15.5B
4.55%
5.0
A+
March 31, 2026
$15.0B
4.25%
5.0
A+
December 31, 2025
$14.8B
4.52%
5.0
A+
September 30, 2025
$13.9B
3.86%
5.0
A+
June 30, 2025
$13.3B
3.69%
5.0
A+
March 31, 2025
$12.9B
3.99%
5.0
A+
December 31, 2024
$12.1B
4.00%
5.0
A+
September 30, 2024
$11.7B
3.90%
5.0
A+
June 30, 2024
$11.5B
3.92%
5.0
A+
March 31, 2024
$11.1B
4.03%
5.0
A+
December 31, 2023
$11.0B
4.41%
5.0
A+
September 30, 2023
$10.7B
3.34%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Idaho Central Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Idaho Central Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Idaho Central Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,261,902,719
Total Uninsured Shares and Deposits > $250K (F+J)
2,261,902,719
Total Insured Shares and Deposits > $250K (item 17 less item K)
11,304,658,898
Total Interest Expense (Sum of items 6 8)
166,381,416
Share Certificates
86,808
Number of Accounts for Share Drafts
519,217
IRA KEOGH Accounts
15,936
Number of Accounts for Regular Shares
806,160
All other shares
127,904
Non Member Deposits
12
Money Market Shares
93,661
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
411,681,992
Total Liabilities
14,310,697,475
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Idaho Central Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Want to discuss Idaho Central Credit Union with other members?
Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Idaho Central Credit Union
Frequently Asked Questions About Idaho Central Credit Union
How many branches does Idaho Central Credit Union operate?
Idaho Central Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Idaho Central Credit Union?
Yes, to access services at Idaho Central Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Idaho Central Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Idaho Central Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Idaho Central Credit Union offer online and mobile banking?
Most modern institutions like Idaho Central Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.iccu.com.
Current Idaho Central Credit Union Rates
12-Month CD4.15%
18-Month CD4.20%
24-Month CD4.25%
60-Month CD4.30%
Savings3.40%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
