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iAdvertiser Disclosure
Advertiser Disclosure
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 Idaho United 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.
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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 30, 2026
Idaho United Credit Union's 11 Month Promo CD rates are at 4.23%. Idaho United Credit Union's Auto Loan Rates are as low as 5.25%. Idaho United Credit Union's Credit Card Rates are at 8.90%. Idaho United Credit Union's top CD rate of 4.23% APY on an 11 month CD is 42% higher than the MonitorBankRates national average for that term, and it has an A+ health rating. 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 0.13%. Rates last updated and verified on 10/30/2026. 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. Idaho United Credit Union
IDAHO UNITED CREDIT UNION 3103 E St Lukes St
https://www.idahounited.org Meridian, ID 83642  Customer Reviews
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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 United Credit Union CD Rates
Idaho United Credit Union Auto Loan Rates
Idaho United Credit Union RV, Boat and Powersport Loan Rates
Idaho United Credit Union Credit Card Rates
Financial Health HistoryIdaho United Credit Union’s Texas Ratio fell from 0.82% in Q3 2023 to 0.13% 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 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.13%
Return on Assets (ROA)
0.2726%
Return on Equity (ROE)
3.0631%
Non-Performing Loans Ratio (NPL)
0.02%
Total Assets
77,310,260
Total Amount of Shares and Deposits
69,816,662
Total Shares and Deposits < 1 Year
69,816,663
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,517,294
Total Uninsured Shares and Deposits > $250K (F+J)
11,517,294
Total Insured Shares and Deposits > $250K (item 17 less item K)
58,299,368
Total Interest Expense (Sum of items 6 8)
733,560
Share Certificates
502
Number of Accounts for Share Drafts
1,946
Number of Accounts for Regular Shares
7,477
All other shares
86
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)
9,005,758
Total Liabilities
70,428,844
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Idaho United Credit Union
Frequently Asked Questions About Idaho United Credit UnionDoes Idaho United Credit Union offer CDs?Yes. Idaho United Credit Union current CD rates include its 11 Month Promo CD at 4.23% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Idaho United Credit Union NCUA insured?Yes. Idaho United 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 United Credit Union?The highest Idaho United Credit Union CD rate is its 11 Month Promo CD at 4.23% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Idaho United Credit Union offer?Idaho United Credit Union CD rates are 4.23% APY for an 11 month CD and 4.23% APY for a 12 month CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Idaho United Credit Union for its full lineup. What is the lowest auto loan rate at Idaho United Credit Union?The lowest Idaho United Credit Union auto loan rate is its New & Used Autos at 5.25% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Idaho United Credit Union?The lowest Idaho United Credit Union credit card APR is its Visa Platinum Preferred Credit Card at 8.90% APR, verified by MonitorBankRates as of October 30, 2026. 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. 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 United Credit Union rates compare?Idaho United Credit Union's top CD rate of 4.23% APY on an 11 month CD is 42% higher than the MonitorBankRates national average for that term, and it has an A+ health rating. Idaho United Credit Union's top rates are its 11 Month Promo CD at 4.23% APY, its New & Used Autos at 5.25% APR and its Visa Platinum Preferred Credit Card at 8.90% APR, verified by MonitorBankRates on October 30, 2026. Current Idaho United Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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