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Idaho Central Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 04 October 2023
Fact checked

Idaho Central Credit Union auto loans overview

Idaho Central Credit Union logo

Since 1940, Idaho Central Credit Union (ICCU) has been operating and serving its members all across Idaho, Washington, and Oregon. ICCU offers convenient and affordable vehicle loans with stretchable terms. Members can select from a range of loans tailored to cars, trucks, vans, SUVs, RVs, boats, motorcycles, and more.

Want to see what an ICCU auto loan will cost? Try the Idaho Central Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Idaho Central Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 6.990% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No loan application fees.
  • Discounts: Undisclosed.

IDAHO CENTRAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether it’s for a new or pre-owned vehicle, ICCU has auto loans tailored for cars, trucks, vans, and SUVs. You can buy or refinance at an affordable interest rate and stretch your term for up to 84 months. For 2021 or newer models, the starting rate is 6.990% APR. Meanwhile, 2018 to 2020 models have rates starting at 7.190%.

Recreational vehicle and watercraft loans

You can also go on a road trip or cruise the waves with ICCU’s RV and watercraft loans. You can pick from loans for motorhomes, fifth wheels, travel trailers, boats, and jet skis. From 9.340% APR, you can secure 2021 or newer models. Plus, your loan terms can go up to 180 months.

Street motorcycle loans

ICCU offers loans tailored to new and pre-owned motorcycles, too. You can extend your loan term for up to 84 months, and the starting rate is 8.790% APR.

Idaho Central Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

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Idaho Central Credit Union

Idaho Central Credit Union auto loan

Idaho Central Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Idaho Central Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

HOW TO APPLY FOR AN IDAHO CENTRAL CREDIT UNION AUTO LOAN

Eligibility criteria

Though ICCU doesn’t indicate the criteria for vehicle financing, you typically should be:

  • An ICCU member
  • 18 years old or older
  • Employed or have a secured source of income

To make your application easier, check how to get an auto loan, too. This will help you navigate the process better and enjoy your car-buying experience. Plus, this can give you an insight into qualifying for the best offers for your circumstance.

How to join ICCU

Membership is available to anyone who meets the following criteria:

  • Employee, employer, student, or retiree of specific industries residing in, working in, headquartered in, or paid from any Idaho county
  • Employee or retiree of the State of Idaho
  • Member of credit unions located in the State of Idaho
  • Employee or retiree of the Micron Corporation
  • Employee and chapters of Idaho Credit Union League
  • Employee of ICCU or credit unions with offices in the State of Idaho
  • Live, work, or organizations located within Baker, Malheur, Umatilla, Union, and Wallowa Counties and the boundaries of a Washington School District
  • Live, work, study, or be paid in Jackpot, Nevada
  • Family member of eligible members

What you’ll need to have ready

Personal details

When you apply for auto financing with Idaho Central Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide ICCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Besides the documents, make sure you also ask about the potential auto loan fees you need to pay. This will help you plan for your budget and avoid unexpected costs and defaulting on your payments.

Ways to apply for an Idaho Central Credit Union auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-800-456-5067

Additional Idaho Central Credit Union auto loan details

  • Automatic payment: Available.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, mobile app, over the phone, and in a branch.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: Unspecified.
  • Maximum vehicle mileage: Unspecified.
  • Other vehicle restrictions: Unspecified.

PROS AND CONS

Pros

  • Workable repayment terms.
  • Competitive annual percentage rates.
  • No loan application fees.
  • Joint applications allowed.
  • Multiple vehicle types – cars, trucks, vans, SUVs, recreational vehicles, boats, watercraft, motorcycles, trailers, and off-road vehicles.
  • Purchase and refinance available.
  • Convenient online application.
  • Competitive pricing for optional auto insurance, GAP, and mechanical breakdown protection.
  • Branch locations open six days a week.

Cons

  • Undisclosed late payment fees and early payment penalties.
  • For members only.
  • Undisclosed minimum and maximum loans.
  • Unspecified vehicle requirements.

FREQUENTLY ASKED QUESTIONS

What is the maximum length of an Idaho Central Credit Union car loan?

You can pay your auto loan for up to 84 months.

Does Idaho Credit Union refinance auto loans?

Yes. You can refinance your vehicle loan to benefit from ICCU’s auto loan rates and member perks.

How to apply for car finance at ICCU?

You can submit your application online, drop by a local branch, or contact Idaho Credit Union.

How can I contact Idaho Central Credit Union about my auto loan?

There are many ways to reach out to ICCU – through phone, live chat, or in person.

How do I pay my Idaho Credit Union auto loan?

You can pay your vehicle loan through online banking, mobile app, phone, and in a branch.

Will applying for vehicle finance with ICCU affect my credit score?

When you apply for a loan, the credit union will make a hard credit check. The hard inquiry then goes on your credit report. In turn, your credit score goes down by a few points. Nevertheless, you can build your credit by never missing a monthly payment.

How much interest does Idaho Central Credit Union charge on car loans?

2021 or newer models have APRs starting at 6.990%. Then, 2018 to 2020 models begin at 7.190% APR. If you’re after 2017 or older models, the starting rate is 7.640% APR.

Video: Your Daily Balance – Auto loans with Ace Call

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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