Credit union · NCUA insured
ICCU Carrot Score
Top CarrotA $15B credit union, the 15th largest of 4,329, headquartered in Chubbuck, ID, with 788,996 members and 62 branches in 3 states.
ICCU Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
- CDs93
- Savings95
- Auto loans71
- Credit cards76
Each bar is every U.S. bank and credit union, lowest score to highest. Choose a product to see its rates.
Where ICCU ranks
By Carrot score, in each area where it has branches
- #2 of 35Boise City, ID metro26
- #1 of 27Spokane-Spokane Valley, WA metro6
- #1 of 16Idaho Falls, ID metro5
- #1 of 18Coeur d'Alene, ID metro4
- #1 of 17Twin Falls, ID metro3
- #1 of 16Pocatello, ID metro3
And 12 more areas
- #1 of 26Tucson, AZ metro2
- #1 of 18Kennewick-Richland, WA metro2
- #2 of 13Rexburg, ID metro2
- #1 of 12Blackfoot, ID metro2
- #1 of 13Ontario, OR-ID metro1
- #1 of 10Burley, ID metro1
- #1 of 10Lewiston, ID-WA metro1
- #1 of 9Moscow, ID metro1
- #1 of 6Mountain Home, ID metro1
- #2 of 50Idaho52
- #1 of 108Washington8
- #3 of 73Arizona2
Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions. It’s about rates only, not safety, service or who can join.
By product
How each product scores
How its rates compare with every U.S. bank and credit union. Open a product to see them.
CDs
93top 5% nationally
| Term | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| 3-8 months | 3.95% | 81% | 3.50% | 3.82% | 4.05% |
| 9-15 months | 4.15% | 86% | 3.70% | 4.00% | 4.25% |
| 16-30 months | 4.25% | 92% | 3.35% | 3.85% | 4.20% |
| 31-60 months | 4.30% | 95% | 3.05% | 3.65% | 4.07% |
| Qualified | 4.30% | 88% | 3.85% | 4.15% | 4.35% |
Best rates 93.6 · all terms 88.5 → 91.5 → 93
Savings
95top 2% nationally
| Balance | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| $1,000 | 3.40% | 97% | 0.20% | 0.50% | 1.51% |
| $10,000 | 3.40% | 97% | 0.50% | 1.15% | 2.20% |
| $100,000 | 3.40% | 95% | 1.00% | 2.01% | 2.93% |
| Qualified | 3.40% | 96% | 0.60% | 1.31% | 2.43% |
Best rates 96.6 · all balances 96.4 → 96.5 → 95
Auto loans
71beats 28% nationally
| Vehicle | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| New vehicle | 5.69% | 24% | 5.00% | 4.74% | 4.25% |
| Used vehicle | 5.69% | 36% | 5.39% | 4.99% | 4.49% |
Best rates 36.1 · all vehicles 29.8 → 33.6 → 71
Credit cards
76beats 41% nationally
| Card | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| Purchase APR | 11.49% | 41% | 10.90% | 9.90% | 8.90% |
Best rates 41.5 · all rates 41.5 → 41.5 → 76
Where the score could improve
- Credit cards, Purchase APR9.90%11.49% today, lower than 41% of U.S. institutions. 9.90% would reach the top quarter; 8.90% the top 10%.
- Auto loans, New vehicle4.74%5.69% today, lower than 24% of U.S. institutions. 4.74% would reach the top quarter; 4.25% the top 10%.
- Auto loans, Used vehicle4.99%5.69% today, lower than 36% of U.S. institutions. 4.99% would reach the top quarter; 4.49% the top 10%.
Scores update as rates change. Institutions can correct a rate we show; payment never changes a score.
Method
How the score works
- Each product gets a standingWe compare its CD, savings, auto loan and credit card rates with every bank and credit union in the U.S. and give each product a standing out of 100. Its best rates count the most. For loans and cards, lower rates rank higher.
- Its two best products set the scoreWe average its two strongest products. Each extra product it publishes adds 1.5 points, so sharing more rates can only help.
- Its rank puts it on the 60–99 scaleWe rank that number against every scored bank and credit union in the country to get a score from 60 to 99. The top quarter earn Top Carrot.
How ICCU got its score
Its products stand at 96.5 for savings, 91.5 for CDs, 41.5 for credit cards and 33.6 for auto loans, out of 100. Its best two, savings and CDs, average 94.0. Publishing four products adds 3.0, for 97.0. That puts it in the top 1% nationally: a Carrot Score of 97, a Top Carrot.
The fine print: inside each product, its best rates make up 60% of its standing and all its rates the rest. Its best rates are its two best CD terms, its $10,000 and Qualified savings or money market rates, the better of its new and used auto loan rates, and its credit card purchase rate. The Qualified rate is the best $10,000 rate you can get by opening another account or meeting monthly requirements (or the standard rate, if that’s higher). Rates that need monthly activity get half credit for the extra they pay, and rates that need a combined balance count only from that balance. We subtract monthly fees and count an intro rate at what it earns over a full year. Accounts for kids, students, seniors, businesses, IRAs and health savings aren’t scored.