ICCU (Idaho Central Credit Union)

ICCU, a credit union with digital banking and local service

ICCU (Idaho Central Credit Union) is a credit union that presents itself as an institution where the personal, local experience of a credit union does not conflict with agile technology, advanced protection, and mobile access. Its offering combines in-branch banking with digital tools, and its commercial tagline is "Life's Greener Here." The institution is federally insured by the National Credit Union Administration and operates under NMLS ID 433926.

Personal accounts: deposits, savings, and youth

The personal account lineup includes several checking account options, such as Central Plus Checking, Central Checking, and Youth Checking. Savings options include Share Savings, Secondary Savings, High-Yield Online Savings, Money Market Savings, Youth Savings, and Central Cents Savings, as well as certificates of deposit (CDs) and IRAs. For younger customers, there is a dedicated line with Share Bear Savings, Starter Savings, and Starter Checking.

The High-Yield Online Savings account is offered with a yield of up to 3.40% APY, without locking up funds, according to published information. Promotional personal CDs are advertised with up to 4.20% APY. The institution also publishes its deposit and loan rates, updated daily.

Loans, mortgages, and cards

In financing, ICCU offers Visa credit cards in several versions (Premier Rewards Visa, Rewards Visa, and Platinum Visa), with rates starting at 11.49% variable APR. In mortgages and home loans, it offers fixed-rate and adjustable-rate mortgages, first-time homebuyer programs, refinancing, construction and land loans, and home equity products, including both fixed-rate loans and a line of credit. It provides a personalized rate quote tool and a mortgage application portal.

Vehicle financing covers auto, RV, boat and watercraft, off-road vehicles, motorcycles, and trailers, with rates starting at 5.69% APR. There are also personal loans, solar and green loans, the Credit Care program, and student loans.

Business banking

The business area includes Visa Business credit cards, business loans, term loans, commercial real estate financing, commercial construction, commercial vehicles, lines of credit, and SBA loans. In deposits, it offers Small Business Checking, Business Money Market Checking, Business Analyzed Checking, Nonprofit Business Checking, and Client Trust Accounts, as well as Business Savings, Business Money Market Savings, business certificates of deposit, and Business SEP IRAs. Complementary services include online banking, bill payment, remote deposit capture, ACH origination, merchant services, Positive Pay, and payroll and HR services.

Wealth management, private banking, and insurance

In the wealth area, ICCU offers investment management, financial planning, estate planning, and private wealth services, with specialized advisors. Private banking includes client officers, financial planning, investment management, trust and estate planning, business owner services, and executive compensation planning, as well as planning topics such as retirement, tax strategies, insurance and risk management, charitable giving, and college planning.

The insurance and protection section brings together Medicare services, life, auto, and homeowners insurance, accidental death and dismemberment (AD&D) insurance, and vehicle protection through Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC), and loan payment protection.

Digital services and member support

The institution provides mobile and online banking, bill payment, VideoChat for face-to-face service, making payments and deposits, money transfers, credit inquiries, Zelle, CardControl, mobile wallet, Prizeout, and CashBack+. It also maintains a financial wellness center with calculators, MoneyEdu, articles, and financial education tutorials, and a security center. Support is provided by phone, with the main number 1-800-456-5067, and through VideoChat.

Membership and community presence

ICCU is organized around membership and has a network of branches and ATMs. Its community team, called the GREEN TEAM, participates in local events, schools, and charitable organizations, and the institution publishes a news center, a career center, and a Spanish-language section. The site also provides information on how to apply for membership, open accounts, and apply for loans online.