Members Preferred

P.O. BOX 2200, Idaho Falls, ID 83403

NCUA Insured3.5 (37 reviews)3 charter

Verified Information

NCUA Insured

Member-Owned

3 charter

Established in 1968

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Idaho Falls, ID may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

3 charter

Established in 1968

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

P.O. BOX 2200

Idaho Falls, ID 83403

Google Maps 🗺Waze

(208) 523-0090

Service Area

This credit union is located in Idaho Falls and serves members in the ID area. Currently serving 4,332 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.05%

Used Auto Loan

9.79%

Personal Loan

11.24%

Credit Card APR

10.39%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in ID

Lowest rates currently reported by credit unions in ID (NCUA Q4 2025).

Boise Fire Department— New Auto Loan

Boise, ID

3.00%

Clarity— Used Auto Loan

Nampa, ID

3.99%

Boise Fire Department— Personal Loan

Boise, ID

7.00%

Latah— Credit Card APR

Moscow, ID

8.34%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

3.5

37 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Chris Dougan

10 months ago

This bank has got me in nothing but trouble. I had nothing but issues with them the entire time I had a loan with them for the vehicle. Come to find out after paying off the vehicle I sell the vehicle and these guys and the shady shop that they dealt with. When I purchased the vehicle. The person that bought the car for me cannot get the vehicle registered due to discrepancies. Be very wary of this bank before you do any business with them.

Rhiannon Barron

11 months ago

Absolutely awful bank! Awful customer service and they charge you hidden fees on your loans without informing you. I would NEVER bank here or work with them again. Take your money somewhere else.

Macady Diaz

a year ago

I love MPCU! We have had several car loans here and they always give us the best rates!

Carson Wetzel

8 years ago

Worst credit union on the planet. I've used about every credit union and Bank in Idaho falls area. This is by far the worst of them all. Card services is a clown show. They are liars and no one that knows what they are doing. Service is rediculas and slower than tar. They are unwilling to help when you have an issue with an account or a card. I'd rather trust my money to a 5 year old than this bank. They lie about everything and refuse to admit when they make a mistake. The worst. Stay away!!

8 years ago

Absolutely the WORST bank! I made less than $10 off of $18,000 over one year in a standard bank account. They switched it to money market which improved but my new bank still did better. They had a deal on cds with a higher interest rate and I was ready to pull the trigger when they told me it had to be “new” money. I was livid. I’m now 100% with mountain America. This bank is just awful. Oh back in the day they wouldn’t give me a loan to start building credit and they do everything over paper in person. Such a pain in today’s world. Website is from like the 90s. Just don’t do it. Please. You deserve better.