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iAdvertiser Disclosure
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 Idaho Central Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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 29, 2026
Idaho Central Credit Union's 60 Month Promo CD rates are at 4.30%, 24 Month Promo CD rates are at 4.25%, 18 Month Promo CD rates are at 4.20%, 12 Month Promo CD rates are at 4.15%, 6 Month Promo CD rates are at 3.95%. Idaho Central Credit Union's savings rates are at 3.40%. Idaho Central Credit Union's Personal Loan Rates are as low as 10.29%. Idaho Central Credit Union's Credit Card Rates are at 11.49%. Idaho Central Credit Union's CD rates are 43% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026. 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
Member Service Center 4400 Central Way
https://www.iccu.com Chubbuck, ID 83202  Customer Reviews
5.0 ★ 1 review
Write a Review
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
Idaho Central Credit Union Savings Rates
Idaho Central Credit Union Money Market Rates
Idaho Central Credit Union Home Equity & HELOC
Idaho Central Credit Union Auto Loan Rates
Idaho Central Credit Union RV, Boat and Powersport Loan Rates
Idaho Central Credit Union Credit Card Rates
Idaho Central Credit Union Personal Loan Rates
Idaho Central Credit Union Other Rates
Financial Health HistoryIdaho 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
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MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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.
Credit Union Profile & Overview
Credit Union Name
Idaho Central Credit Union
Website
https://www.iccu.com
Address
4400 Central Way,
Chubbuck, ID 83202
Phone
208-239-3000
Fax
208-239-3049
President
Debbie McIntier
CEO
Brenda Worrell
Full-Time Employees
2,029
Part-Time Employees
207
Branch Locations
66
ATM Locations
64
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.55%
Return on Assets (ROA)
0.5775%
Return on Equity (ROE)
6.9355%
Non-Performing Loans Ratio (NPL)
0.46%
Total Assets
15,517,399,383
Total Amount of Shares and Deposits
13,566,561,617
Total Shares and Deposits < 1 Year
12,556,702,042
Total Shares and Deposits 1 3 Years
949,191,386
Total Shares and Deposits > 3 Years
60,668,188
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
Customer Reviewsken phillips
April 11, 2026
very good service very polite workers
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Frequently Asked Questions About Idaho Central Credit UnionDoes Idaho Central Credit Union offer CDs?Yes. Idaho Central Credit Union current CD rates include its 60 Month Promo CD at 4.30% APY, its 24 Month Promo CD at 4.25% APY and its 18 Month Promo CD at 4.20% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Idaho Central Credit Union NCUA insured?Yes. Idaho Central Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Idaho Central Credit Union?The highest Idaho Central Credit Union CD rate is its 60 Month Promo CD at 4.30% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Idaho Central Credit Union offer?Idaho Central Credit Union CD rates are 3.95% APY for a 6 month CD, 4.15% APY for a 12 month CD, 4.20% APY for an 18 month CD, 4.25% APY for a 2 year CD and 4.30% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Idaho Central Credit Union for its full lineup. What is the highest savings rate at Idaho Central Credit Union?The highest Idaho Central Credit Union savings rate is its High-Yield Online Savings Account at 3.40% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Idaho Central Credit Union?The highest Idaho Central Credit Union money market rate is its Money Market Savings at 1.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Idaho Central Credit Union?The lowest Idaho Central Credit Union auto loan rate is its Auto Loan at 5.69%, verified by MonitorBankRates as of October 29, 2026. Idaho Central Credit Union auto loan rates are 7.89% for a 120 month auto loan and 8.14% for a 144 month auto loan. What is the lowest personal loan rate at Idaho Central Credit Union?The lowest Idaho Central Credit Union personal loan rate is its Signature Loan - 12 Months at 10.29%, verified by MonitorBankRates as of October 29, 2026. Idaho Central Credit Union personal loan rates are 10.29% for a 6 month personal loan, 10.29% for a 12 month personal loan, 10.99% for a 36 month personal loan, 11.89% for a 72 month personal loan and 12.39% for an 84 month personal loan. What is the lowest credit card APR at Idaho Central Credit Union?The lowest Idaho Central Credit Union credit card APR is its Visa Platinum Credit Card at 11.49% APR, verified by MonitorBankRates as of October 29, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Idaho Central Credit Union rates compare?Idaho Central Credit Union's CD rates are 43% higher than the MonitorBankRates national average, and it has an A+ health rating. Idaho Central Credit Union's top rates are its 60 Month Promo CD at 4.30% APY, its High-Yield Online Savings Account at 3.40% APY, its Signature Loan - 12 Months at 10.29% APR and its Visa Platinum Credit Card at 11.49% APR, verified by MonitorBankRates on October 29, 2026. Current Idaho Central Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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