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Idaho United Credit Union

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Idaho United Credit Union Rates & Review April 2026

Q: Is a member application needed to join Idaho United Credit Union?

Yes, to access services at Idaho United 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Idaho United Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 19, 2026

Idaho United Credit Union's 6 Month Promo CD rates are at 3.90%. MonitorBankRates evaluates the financial stability of Idaho United Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.65%. Rates were last updated on 04/19/2026.

Idaho United 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 United Credit Union? Share your experience about Idaho United Credit Union by leaving a review below, or read customer reviews before you decide to use Idaho United Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.65%

Excellent Lower than avg

Idaho United Credit Union
IDAHO UNITED CREDIT UNION

3103 E St Lukes St
Meridian, ID 83642

https://www.idahounited.org

Idaho United Credit Union CD Rates

Product	Rate	APY	Term	View More
6 Month Promo CD	-	3.90%	6
Min Deposit $500 Details $500 minimum deposit to earn APY *APY = Annual Percentage Yield. Rates are accurate as of March 30, 2026, and are fixed for the term of the certificate. A penalty will be imposed for early withdrawal. Fees may reduce earnings. No institutional deposits accepted. Insured by NCUA. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%

Idaho United Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Preferred	-	8.90%
Details As Low As Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%
Visa Platinum	-	12.95%
Details As Low As Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.65%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Idaho United 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 United 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 United Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Idaho United Credit Union

Website https://www.idahounited.org

Address 3103 E St Lukes St, Meridian, ID 83642

Phone 208-388-2138

Fax 208-388-6930

President Richard Hahn

CEO Nick McGhee

Full-Time Employees 15

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.65%

Return on Assets (ROA)

0.7731%

Return on Equity (ROE)

8.8661%

Non-Performing Loans Ratio (NPL)

0.30%

Total Assets

73,483,391

Total Amount of Shares and Deposits

66,455,286

Total Shares and Deposits < 1 Year

66,455,286

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

9,937,494

Total Uninsured Shares and Deposits > $250K (F+J)

9,937,494

Total Insured Shares and Deposits > $250K (item 17 less item K)

56,517,792

Total Interest Expense (Sum of items 6 8)

1,009,432

Share Certificates

477

Number of Accounts for Share Drafts

1,942

Number of Accounts for Regular Shares

7,492

All other shares

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

9,434,707

Total Liabilities

67,100,613

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Idaho United Credit Union

Is Idaho United Credit Union a safe place to deposit money?

Yes, Idaho United Credit Union is considered a safe financial institution. With a Texas Ratio of 2.6460750542175%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Idaho United Credit Union operate?

Idaho United 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 United Credit Union?

Yes, to access services at Idaho United 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 United 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 United Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Idaho United Credit Union offer online and mobile banking?

Most modern institutions like Idaho United 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.idahounited.org.