Idaho CD Rates Today - Compare Best APYs for May 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Idaho CD rates include America First Federal Credit UnionAmerica First Federal Credit Union11292 W Fairview Ave, Boise, ID 83713A5.0 ★Texas Ratio: 8.12%Real return: +1.30%APY minus CPI (February 2026) offering 60 Months at 4.10% APY, Numerica Credit UnionNumerica Credit Union465 W Bosanko Ave, Coeur D Alene, ID 83815A+5.0 ★Texas Ratio: 2.80%Real return: +1.20%APY minus CPI (February 2026) offering 12 month Certificates and IRA Certificates at 4.00% APY, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union855 University Blvd, Rexburg, ID 83440A+5.0 ★Texas Ratio: 2.10%Real return: +1.20%APY minus CPI (February 2026) offering 60 Month at 4.00% APY, Summit National BankSummit National Bank102 Courthouse Dr, Salmon, ID 83467A+5.0 ★Texas Ratio: 1.74%Real return: +1.20%APY minus CPI (February 2026) offering 6 Month CD at 4.00% APY, and Westmark Credit UnionWestmark Credit Union815 1st St, Idaho Falls, ID 83401 4080A+5.0 ★Texas Ratio: 2.97%Real return: +1.15%APY minus CPI (February 2026) offering IRA Term Certificates 12 Months at 3.95% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Idaho side-by-side. Idaho CD rates currently reach as high as 4.10% APY from America First Federal Credit Union at 11292 W Fairview Ave, Boise, ID 83713. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 12, 2026
Compare Best CD Rates in Idaho
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID 83440
3 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Liquid Certificate 3 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
3 Month (91 Day) CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $99,999.01 or more; Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
3 Month (91 Day) CD
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $500 - $99,999; Maturity
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID 83815
3 month Certificates and IRA Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
3 Month CD
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
90 Day Fixed Rate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
Jumbo Certificates of Deposit - Personal & Business 90 Day Fixed Rate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
90 Day
$2,500
3.40%
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
3 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 Minimum Balance
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
3 Month IRA Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 Minimum Balance
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID 83201 2616
Share Certificates 3 Months
$0
1.75%
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
3 Months Share Certificate
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
IRA Certificates 3 Months
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
3 Month Standard CD
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Summit National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
102 Courthouse Dr, Salmon, ID 83467
6 Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID 83440
6 Month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Idaho United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
333 N 13TH ST, Boise, ID 83702 5617
6 Month Promo CD
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
*APY = Annual Percentage Yield. Rates are accurate as of March 30, 2026, and are fixed for the term of the certificate. A penalty will be imposed for early withdrawal. Fees may reduce earnings. No institutional deposits accepted. Insured by NCUA.
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID 83202 2336
6 Months
$500
3.82%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
6 Month CD (including Accumulator)
$500
3.80%
▼
Rate3.74%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
6 Month Promo CD
$500
3.75%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Certificates of Deposit 6 Months Add-on
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
An unlimited Add-on CD allows the bearer to make unlimited deposits into a CD account during the maturity term.
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
6 Month (182 Day) CD
$0
3.58%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $99,999.01 or more; Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
6 Month (182 Day) CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $500 - $99,999; Maturity
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
6 Months Promotional Certificate
$500
3.51%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Promotional Certificate 6 Months
$500
3.51%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Smart Step Certificate 6 Months
$25
3.51%
▼
Rate3.46%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID 83815
6 month Certificates and IRA Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 6 Month
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Consumer Certificates and IRA Certificates 6 Month
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID 83501 3559
6 Month Certificate
$100
3.50%
▼
Rate3.46%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
129 S 9th St, St Maries, ID 83861
Certificates of Deposit - Regular Minimum 6 Months
$1,000
3.43%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
$1000.00
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1626 17th St, Lewiston, ID 83501
CERTIFICATES (Includes IRA Certificates) 6 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Ireland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
33 Bannock St, Malad City, ID 83252
6 MONTH CDS
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
As High As
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
6 Month Fixed Rate
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
6 Mo. Share Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
6 Months Share Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
IRA Certificates 6 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID 83655
6 Month Certificates or More
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500
SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
555 N 5th Ave, Pocatello, ID 83201
CD's 6 months
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
6 Month
$2,500
3.30%
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID 83201 2616
Share Certificates 6 Months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
6 Month Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 Minimum Balance
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
6 Month Standard CD
$500
0.45%
▼
Rate0.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
6 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
6 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID 83815
12 month Certificates and IRA Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID 83440
12 Month
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
IRA Term Certificates 12 Months
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Summit National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
102 Courthouse Dr, Salmon, ID 83467
12 Month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 12 Months
$100,000
3.90%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
12 Month Promo CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
12 Month Accumulator IRA
$500
3.80%
▼
Rate3.74%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
12 Month CD
$500
3.80%
▼
Rate3.74%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 12 Months
$50,000
3.75%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID 83201 2616
Share Certificates 12 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID 83440
12 Month Flex (regular only)
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 12 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Consumer Certificates and IRA Certificates 12 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
555 N 5th Ave, Pocatello, ID 83201
CD's 12 months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
12 Month
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
With .25% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
12 Month IRA
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
With .25% Bonus*
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 12 Months
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
1 Year (12 Month) CD
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $99,999.01 or more; Maturity
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID 83501 3559
12 Month Certificate
$100
3.50%
▼
Rate3.46%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
1 Year (12 Month) CD
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $500 - $99,999; Maturity
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
129 S 9th St, St Maries, ID 83861
Certificates of Deposit - Regular Minimum 12 Months
$1,000
3.45%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
$1000.00
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
12 Months Promotional Certificate
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Promotional Certificate 12 Months
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Smart Step Certificate 12 Months
$25
3.40%
▼
Rate3.36%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
12 Month Fixed Rate
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Northwest Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
716 E COLORADO AVE, NAMPA, ID 83686
12 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
As high as
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1626 17th St, Lewiston, ID 83501
CERTIFICATES (Includes IRA Certificates) 12 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
12 Month
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID 83655
Certificate Add On - Small Savers 12 Month
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID 83655
12 Month Certificates or More
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
12 Months Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
IRA Certificates 12 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
1 Year Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 Minimum Balance - Early Withdrawal 30 day Penalty
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
1 Year IRA Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 Minimum Balance - Early Withdrawal 30 day Penalty
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID 83202 2336
12 Months
$1,000
2.27%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
1 year Standard Fixed Rate Relationship
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
1 year Standard Fixed Rate
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
1 Year Standard CD
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID 83440
18 Month
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
18 Month Promo CD
$500
3.85%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
Term Certificates 18 Months
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID 83201 2616
Share Certificates 18 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID 83815
18 month Certificates and IRA Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
555 N 5th Ave, Pocatello, ID 83201
CD's 18 months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
18 Month CD
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
18 Month IRA
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID 83440
18 Month Variable
$0
3.68%
▼
Rate3.62%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
18 Month CD
$0
3.58%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $99,999.01 or more; Semiannually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
18 Month CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $500 - $99,999; Semiannually
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Consumer Certificates and IRA Certificates 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1626 17th St, Lewiston, ID 83501
CERTIFICATES (Includes IRA Certificates) 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
18 Month Fixed Rate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
18 Months Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
IRA Certificates 18 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
18 Months Promotional Certificate
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Promotional Certificate 18 Months
$500
3.20%
▼
Rate3.16%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Standard Certificate 18 Months
$50,000
1.80%
▼
Rate1.79%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
18 Month Standard CD
$500
0.80%
▼
Rate0.80%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID 83440
24 Month
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID 83201 2616
Share Certificates 24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Consumer Certificates and IRA Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
IRA Term Certificates 24 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
Term Certificates 24 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
24 Month Promo CD
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
555 N 5th Ave, Pocatello, ID 83201
CD's 24 months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
2 Year (24 Month) CD
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $99,999.01 or more; Annually
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID 83815
24 month Certificates and IRA Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID 83501 3559
24 Month Certificate
$100
3.50%
▼
Rate3.46%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
2 Year (24 Month) CD
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $500 - $99,999; Annually
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID 83655
24 Month Certificates or More
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500
Spokane Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3903 E Primrose Ln, Post Falls, ID 83854
12- to 24-month certificate
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
As high as
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
24 Month IRA CD
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
24 Month IRA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
$25,000.00 to $99,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
24 Month
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1626 17th St, Lewiston, ID 83501
CERTIFICATES (Includes IRA Certificates) 24 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
24 Months Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
IRA Certificates 24 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 24 Months
$100,000
3.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
24 Months Promotional Certificate
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
24 Month CD
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Promotional Certificate 24 Months
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 24 Months
$50,000
3.05%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
24 Month Fixed Rate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 24 Months
$500
2.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
2 Year Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
2 Year IRA Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID 83202 2336
24 Months
$1,000
2.02%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Standard Certificate 24 Months
$50,000
1.90%
▼
Rate1.89%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
2 Year Standard CD
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID 83440
36 Month
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID 83201 2616
Share Certificates 36 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Consumer Certificates and IRA Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
Term Certificates 36 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
3 Year (36 Month) CD
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $99,999.01 or more; Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
3 Year (36 Month) CD
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $500 - $99,999; Annually
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 36 Months
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID 83655
36 Month Certificates or More
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
36 Month
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
36 Month IRA
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
$25,000.00 to $99,999.99
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
36 Month IRA CD
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 36 Months
$50,000
3.30%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1626 17th St, Lewiston, ID 83501
CERTIFICATES (Includes IRA Certificates) 36 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID 83815
36 month Certificates and IRA Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
36 Months Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
IRA Certificates 36 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
36 Month CD
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
36 Months Promotional Certificate
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Promotional Certificate 36 Months
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 36 Months
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
3 Year Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
3 Year IRA Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID 83501 3559
36 Month Certificate
$100
2.75%
▼
Rate2.72%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
36 Month Fixed Rate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Standard Certificate 36 Months
$50,000
2.00%
▼
Rate1.99%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID 83202 2336
36 Months
$1,000
1.26%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
3 Year Standard CD
$500
0.95%
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID 83440
48 Month
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Consumer Certificates and IRA Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID 83201 2616
Share Certificates 48 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
Term Certificates 48 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 48 Months
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID 83655
48 Month Certificates or More
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
48 Month
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
48 Month IRA
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
$25,000.00 to $99,999.99
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1626 17th St, Lewiston, ID 83501
CERTIFICATES (Includes IRA Certificates) 48 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 48 Months
$50,000
3.30%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID 83815
48 month Certificates and IRA Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
48 Months Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
IRA Certificates 48 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
48 Month CD
$500
3.15%
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 48 Months
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
48 Months Promotional Certificate
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Promotional Certificate 48 Months
$500
3.00%
▼
Rate2.97%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
48 Month Fixed Rate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Standard Certificate 48 Months
$50,000
2.05%
▼
Rate2.03%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
4 Year Standard CD
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID 83202 2336
48 Months
$1,000
0.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID 83713
60 Months
$500
4.10%
▼
Rate4.03%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
855 University Blvd, Rexburg, ID 83440
60 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
11292 W Fairview Ave, Boise, ID 83713
60 Months
$500
3.95%
▼
Rate3.88%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2133 E Center St, Pocatello, ID 83201 2616
Share Certificates 60 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Consumer Certificates and IRA Certificates 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
60 Month Promo CD
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
Term Certificates 60 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
60 Month
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
60 Month IRA
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
$25,000.00 to $99,999.99
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
5 Year (60 Month) CD
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $99,999.01 or more; Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
5 Year (60 Month) CD
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Daily Balance of $500 - $99,999; Annually
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 60 Months
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID 83655
60 Month Certificates or More
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1626 17th St, Lewiston, ID 83501
CERTIFICATES (Includes IRA Certificates) 60 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
60 Months Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
654 SOUTHWAY AVE, LEWISTON, ID 83501
IRA Certificates 60 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 60 Months
$50,000
3.30%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID 83815
60 month Certificates and IRA Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 60 Months
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
60 Months Promotional Certificate
$500
2.95%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Promotional Certificate 60 Months
$500
2.95%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
707 S 9th Ave, Pocatello, ID 83209
60 month Rewards CD
$500
2.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rewards CD .25% (with active [Rewards Checking](https://www.lookoutcu.com/checking/rewards-plus-checking.html))
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
60 Month Fixed Rate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Standard Certificate 60 Months
$50,000
2.10%
▼
Rate2.08%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
5 Year Standard CD
$500
1.10%
▼
Rate1.10%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
4708 Yellowstone Ave, Chubbuck, ID 83202 2336
60 Months
$1,000
0.40%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Idaho at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- Idaho CD rates currently reach as high as 4.10% APY from America First Federal Credit Union. The rate table above ranks every offer we track for Idaho, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Idaho CD Rate Trends
Compare local Idaho CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — ID Avg
2.529%
▲ 0.008 vs 7 days ago
Idaho 12-month CD rates rose 0.008 points over the past 7 days to 2.529% APY.
6-Month CD — ID Avg
1.872%
▼ 0.085 vs 7 days ago
Idaho 6-month CD rates fell 0.085 points over the past 7 days to 1.872% APY.
As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
ID CD Rate Forecast — Next 12 Months
Where are Idaho CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
ID 12-Month Avg APY
2.529%
6-Month Forecast
2.529%
Range: 2.33% – 2.68%
12-Month Forecast
2.279%
Range: 2.08% – 2.43%
Powered by
MonitorBankRates
What Your Savings Earn at ID CD Rates Today
Annual interest earnings at today’s Idaho average APYs. State average used where available; national average as fallback.
| CD Term | ID Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.065% | $53.24 | $106.47 | $266.18 | $532.35 |
| 6-Month CD | 1.872% | $93.60 | $187.20 | $468.00 | $936.00 |
| 12-Month CD | 2.529% | $126.46 | $252.92 | $632.30 | $1,264.60 |
| 18-Month CD | 2.754% | $137.71 | $275.41 | $688.53 | $1,377.05 |
| 24-Month CD | 2.813% | $140.66 | $281.31 | $703.28 | $1,406.55 |
| 36-Month CD | 2.591% | $129.55 | $259.10 | $647.75 | $1,295.50 |
| 48-Month CD | 2.580% | $129.00 | $257.99 | $644.98 | $1,289.95 |
| 60-Month CD | 2.804% | $140.22 | $280.44 | $701.10 | $1,402.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for Idaho Savers
$25,000 split equally across 5 terms using today’s Idaho average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | ID Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.065% | $53.24 |
| 2 | 6-Month CD | $5,000 | 1.872% | $93.60 |
| 3 | 12-Month CD | $5,000 | 2.529% | $126.46 |
| 4 | 24-Month CD | $5,000 | 2.813% | $140.66 |
| 5 | 36-Month CD | $5,000 | 2.591% | $129.55 |
| Total ($25,000 invested) | $25,000 | 2.174% blended | $543.51/yr | |
Ladder example uses equal $5,000 rungs and Idaho average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
208
CD Rates
Tracked in Idaho
Tracked in Idaho
8 Banks
21 Credit Unions
About Our Idaho CD Rate Database
MonitorBankRates tracks 208 CD rates from 8 banks and 21 credit unions with locations in Idaho, plus national online institutions available to Idaho residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: America First Federal Credit Union offers a CD at 4.10% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Idaho.
How to Find the Best CD Rates in Idaho
What to compare when shopping for a CD in Idaho
To find the best APYs in Idaho, start with credit unions and online-only banks — Idaho has 21 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Idaho
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Idaho — 29 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Idaho savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Idaho money market rates
Idaho Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
17.0%
National avg: 17.3%
Median Individual Earnings
$40,170
National avg: $47,340
Poverty Rate
10.6%
National avg: 11.1%
Unemployment Rate
3.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$102/yr
At ID 12-mo avg 2.529% APY
17.0% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.7% reflects a strong local economy. At today’s ID 12-month CD average of 2.529%, saving 10% of the local median salary ($4,017/year) and putting it in a CD would earn an additional $102 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Idaho
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Idaho
Are CD rates in Idaho FDIC insured?
Yes, most established banks in Idaho are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Idaho?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Idaho.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Idaho may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Idaho?
Here are recent top rates found for this area:
- America First Federal Credit Union: 4.10% APY (60 Months)
- Numerica Credit Union: 4.00% APY (12 month Certificates and IRA Certificates)
- Goldenwest Federal Credit Union: 4.00% APY (60 Month)
- Summit National Bank: 4.00% APY (6 Month CD)
- Westmark Credit Union: 3.95% APY (IRA Term Certificates 12 Months)
- Gesa Credit Union: 3.90% APY (IRA Bump CD 12 Months)
- Idaho United Credit Union: 3.90% APY (6 Month Promo CD)
- Idaho Central Credit Union: 3.85% APY (18 Month Promo CD)
- Rails West Federal Credit Union: 3.82% APY (6 Months)
- Farmers Bank Buhl, ID: 3.80% APY (12 Month Accumulator IRA)
Rates reflect recent verified offers available in Idaho. Last Updated: May 12, 2026
CD Calculators for Idaho
Idaho CD Calculator
At today’s ID top rate of 4.10% APY, a $10,000 deposit earns $410 in the first year. Enter your amount to see your exact return.
Idaho CD LadderID CD rates currently range from 1.065% (3-month) to 2.591% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Idaho CD at 4.10% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsIdaho’s average 12-month CD is 2.529% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Idaho directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Idaho. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in ID.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: May 12, 2026
Cities in Idaho
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