IIBK and CMYF Routing Numbers to Retire

All former Idaho Independent and Community First routing numbers will retire August 14, 2020. Please discontinue using these numbers (on checks and ACH transfers) and order new checks through online banking: Login, select “More…” from the menu, then “Reorder Checks” from the drop-down. Thank you for your cooperation!

We're available with 24/7 online and mobile banking, drive-ups, and ATMs. Our branch lobbies are temporarily closed.

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Refinancing your Home

Discover what your house can do for you.

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Refinancing your home replaces your current mortgage with a new mortgage. There are two refinance options, depending on what you hope to achieve.

Traditional Refinance

A traditional refinance may help decrease payments or change the term of the loan. Traditional refinances most commonly offer a lower interest rate, change the length of the loan in years, or cancel mortgage insurance premiums.

Cash-Out Refinance

A cash-out refinance lets you take advantage of the equity in your house by replacing your existing mortgage with a new mortgage for up to a certain percent of the value of your house, and receiving cash for the difference between what you owed and the new mortgage.

New Boise Branch

Home Equity Line of Credit or Cash-Out Refinance?

You’re considering using the equity in your home to your benefit, but aren’t sure whether a cash-out refinance or a Home Equity Line of Credit is the best option.

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Interested in refinancing your home?