• The ICCU Founding Story: In 1940, Idaho Central Credit Union was organized in Boise by a small collective of state employees pooling their personal resources to create an accessible financial lifeline during an era of limited regional banking options. Starting with just a handful of charter members and modest capital, ICCU steadily evolved from a government-affinity cooperative into one of the most prolific financial institutions in the Western United States. Through continuous community investment and organic expansion, ICCU transformed from an Idaho-centric public service group into an Intermountain financial powerhouse.

• Platform & Operating Profile: ICCU is a state-chartered financial cooperative regulated by the Idaho Department of Finance and federally insured by the National Credit Union Administration (NCUA). Headquartered in Chubbuck, Idaho, ICCU manages over $15 billion in total assets and serves more than 775,000 members. Unlike institutions that have scaled by abandoning in-person service, ICCU deploys a high-touch, hybrid model that pairs modern mobile and online banking capabilities with an expansive footprint of prominent full-service branch hubs across Idaho, Washington, Oregon, and Arizona.

• Products & Member Value Proposition: ICCU provides a comprehensive suite of commercial, residential, and consumer financial products:

  • Residential Mortgages & Construction Loans: Highly competitive conventional, FHA, VA, and custom residential construction financing options, making ICCU one of the leading home lenders across the Pacific Northwest and Intermountain corridors.

  • Commercial Real Estate & SBA Lending: Tailored business credit lines, equipment financing, agricultural credit facilities, and commercial real estate loans structured to support regional entrepreneurs and mid-sized enterprises.

  • Consumer Auto & Recreational Vehicle Loans: Low-rate direct financing for new and used vehicles, as well as specialized recreational loans for boats, RVs, ATVs, and snowmobiles tailored to outdoor-oriented communities.

  • High-Yield Rewards Checking & Savings: Member-centric deposit accounts delivering cash-back or competitive APY yields, low fee schedules, and complimentary financial planning resources.

Key Information

• Institution: Idaho Central Credit Union (ICCU)

• Asset Size: $15B+ Assets

• Charter Type: State-Chartered Credit Union (NCUA Insured)

• Headquarters: Chubbuck, Idaho

• Geographic Coverage: Idaho, Washington, Oregon, and Arizona (with nationwide digital access)

• Core Product Focus: Residential Mortgages, Construction Financing, Commercial/SBA Lending, Consumer & RV Loans, Rewards Checking

• Membership Application: Join ICCU Online

• Membership Eligibility Directory: ICCU Membership Eligibility & Field of Membership

Membership & Eligibility

Joining ICCU is straightforward, with multiple entry pathways designed to serve residents, workers, and community members throughout their operational territory:

1. Geographic Community Eligibility: Anyone who lives, works, attends school, or worships within designated eligible counties across Idaho, Washington, Oregon, or Arizona.

2. Affiliated Business Partners & Employer Groups (SEGs): Employees and retirees of participating corporate partners, healthcare organizations, educational institutions, and state agencies.

3. Immediate Family Eligibility: Immediate family members (spouses, children, siblings, parents, grandparents, or grandchildren) or household members of any active ICCU member.

4. Associated Community Affiliations: Eligible individuals qualifying through affiliated partner organizations or regional community development foundations supported by ICCU.

Eligibility Details: Confirm specific eligible counties, regional branches, and partner groups on the ICCU Membership Page.