About

Why ISU Credit Union?
ISU Credit Union is a member-owned, not-for-profit financial institution whose sole purpose is to provide exceptional financial products and services to our member/owners. Unlike banks and other financial institutions that have to pay out dividends to stockholders and pay a Board of Directors, our excess earnings are returned to our members in the form of lower loan rates, higher dividends on savings, additional products and services, additional branches, etc. Our Board of Directors are elected by the members, and volunteer their time to make sure the credit union always operates in the best interests of the membership as a whole.

Mission Statement
To provide our owners (members) desired financial services while offering both dividend rates and loan rates that are generally more favorable than those normally found at other consumer lending institutions. As the Credit Union grows and more services are added, friendly, courteous service will continue to be our top priority. The volunteers and staff of ISU Credit Union strongly support our founding motto:
“NOT FOR PROFIT, NOT FOR CHARITY, BUT FOR SERVICE.”

Your Funds Are Insured
The NCUA insures your accounts up to at least $250,000. For more information about the share savings insurance on your accounts, contact the credit union.

Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

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Why a Credit Union?

ISU Credit Union History
In 1951, a group of individuals from various backgrounds started holding meetings to evaluate the idea of forming a credit union on the campus of Idaho State College. They wanted a campus credit union because most people were living from paycheck to paycheck and the member-owned, people-helping-people nature of credit unions appealed to them. They wanted a self-help program where they could visit with and be judged by their peers, not the corporate world. They also wanted convenience and a family atmosphere. In meeting with the NCUA and with the help and support of the Manager of the Union Pacific Railroad Credit Union, the Idaho State College Federal Credit Union was formed on April 10, 1952. The name was subsequently changed to Idaho State University Federal Credit Union in 1963 when the college gained university status and changed its name accordingly.

Until 1969, the field of membership was limited to faculty and staff of the University and their families. Today, the field of membership has expanded to include Idaho State University students and alumni, and the faculty, staff, and students of many southeastern Idaho school districts, as well as their family members. Several businesses in SE Idaho have also chosen to affiliate with the ISU Credit Union and offer their employees the benefit of membership.

Today ISU Credit Union's assets exceed $100 million and we serve over 14,000 members around the world.

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	Locations & Hours Scholarships Community Involvement Annual Report Contact Supervisory Committee	About Why ISU Credit Union? ISU Credit Union is a member-owned, not-for-profit financial institution whose sole purpose is to provide exceptional financial products and services to our member/owners. Unlike banks and other financial institutions that have to pay out dividends to stockholders and pay a Board of Directors, our excess earnings are returned to our members in the form of lower loan rates, higher dividends on savings, additional products and services, additional branches, etc. Our Board of Directors are elected by the members, and volunteer their time to make sure the credit union always operates in the best interests of the membership as a whole. Mission Statement To provide our owners (members) desired financial services while offering both dividend rates and loan rates that are generally more favorable than those normally found at other consumer lending institutions. As the Credit Union grows and more services are added, friendly, courteous service will continue to be our top priority. The volunteers and staff of ISU Credit Union strongly support our founding motto: “NOT FOR PROFIT, NOT FOR CHARITY, BUT FOR SERVICE.” Your Funds Are Insured The NCUA insures your accounts up to at least $250,000. For more information about the share savings insurance on your accounts, contact the credit union. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. History Careers Join Today Benefits of Membership Why a Credit Union? ISU Credit Union History In 1951, a group of individuals from various backgrounds started holding meetings to evaluate the idea of forming a credit union on the campus of Idaho State College. They wanted a campus credit union because most people were living from paycheck to paycheck and the member-owned, people-helping-people nature of credit unions appealed to them. They wanted a self-help program where they could visit with and be judged by their peers, not the corporate world. They also wanted convenience and a family atmosphere. In meeting with the NCUA and with the help and support of the Manager of the Union Pacific Railroad Credit Union, the Idaho State College Federal Credit Union was formed on April 10, 1952. The name was subsequently changed to Idaho State University Federal Credit Union in 1963 when the college gained university status and changed its name accordingly. Until 1969, the field of membership was limited to faculty and staff of the University and their families. Today, the field of membership has expanded to include Idaho State University students and alumni, and the faculty, staff, and students of many southeastern Idaho school districts, as well as their family members. Several businesses in SE Idaho have also chosen to affiliate with the ISU Credit Union and offer their employees the benefit of membership. Today ISU Credit Union's assets exceed $100 million and we serve over 14,000 members around the world. Employment at ISU Credit Union If you are interested in applying for a job at ISU Credit Union, fill out and return the Application for Employment form at this link. We do not always have an opening at our branches, but we are always willing to talk with qualified people who would like to work in the credit union movement. When you have completed the application, return it to: H/R Department ISU Credit Union 353 N. 4th Ave., Suite 210 Pocatello, Idaho 83201 Learn more about careers at ISU Credit Union Join Today! Accounts may be opened with individual or joint ownership, or as a custodian-for-a-minor account. There is a $1.00 membership fee and a minimum deposit of $25.00, your share of ownership in the Credit Union. Even if you move, retire or change employment you may continue membership by maintaining a share balance of $25.00. To apply for membership visit our Online Applications and click on the "New Member button." ISU Credit Union Benefits Bring you Savings, Convenience and Value As an ISU Credit Union member, you’ll benefit from high dividends, personal service, convenience, and value-added products and services. Most importantly, your membership at the Credit Union represents a share in ownership. Convenience & Access 24/7 access through Online Banking Direct deposit of your paycheck Payroll deduction for electronic transfers to ISU Credit Union accounts Anytime phone access through ARTT, our automated phone system Access to more than 28,000 surcharge-free ATMs Access to more than 4,300 shared branching locations Wire transfer services (incoming and outgoing) Free Products & Services FREE VISA® ATM/Check Card with ISU Credit Union Checking Accounts FREE Online Banking, Bill Pay, and eStatements FREE consumer education through FOOLPROOF FREE Investment Planning Advice FREE Notary Public Service Plus many more complimentary services Advantages of Credit Union Membership Credit unions are financial cooperatives owned and operated by their member/owners. As a credit union member, you're also the owner! There are no outside stockholders. Credit unions exist to provide the best service possible to their members — not to churn profit for stockholders by charging high fees. The only stockholders at a credit union are the members themselves! Learn more about why you need a Credit Union account Better Rates & Lower Fees Credit unions return all profits back to the member (after reserves and expenses) in the form of better rates, better service and lower fees. Other financial institutions do not operate this way! Volunteer Board of Directors Credit unions are governed through an unpaid, volunteer Board of Directors. These volunteers are members of ISU Credit Union and are democratically elected by the credit union membership to represent you, the credit union member. Better Service As a member of a credit union, you're also the owner — and we treat you that way. There are no customers at a credit union, just member/owners! Credit unions are not-for-profit. Credit unions return profits to members, not stockholders. We pass the savings back to the membership in the form of lower loan rates, higher savings rates and improved service. Deposits Insured through NCUA Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. One Vote per Member Each member gets one vote at the Credit Union, regardless of how much that person has on deposit.