Idaho Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Gesa Credit UnionGesa Credit Union317 S Beck Rd, Post Falls, ID 83854A+5.0 ★Texas Ratio: 4.30%Real return: +1.80%APY minus CPI (February 2026) offering IRA CD 18 Months at 4.60% APY, America First Federal Credit UnionAmerica First Federal Credit Union11292 W Fairview Ave, Boise, ID 83713A5.0 ★Texas Ratio: 7.26%Real return: +1.50%APY minus CPI (February 2026) offering 60 Months Certificate at 4.30% APY, Idaho Central Credit UnionIdaho Central Credit Union4400 Central Way, Chubbuck, ID 83202A+5.0 ★Texas Ratio: 3.86%Real return: +1.40%APY minus CPI (February 2026) offering 18 Month Promo CD at 4.20% APY, Health Care Idaho Credit UnionHealth Care Idaho Credit Union520 S Eagle Rd, Meridian, ID 83642 6351A+5.0 ★Texas Ratio: 5.45%Real return: +1.40%APY minus CPI (February 2026) offering 18-Month Promo CD at 4.20% APY, and Farmers Bank Buhl, IDFarmers Bank Buhl, ID914 Main St, Buhl, ID 83316A-5.0 ★Texas Ratio: 15.15%Real return: +1.26%APY minus CPI (February 2026) offering 12 Month Accumulator IRA at 4.06% APY. CD rates as of August 31, 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 4.60% APY from Gesa Credit Union at 317 S Beck Rd, Post Falls, ID 83854. 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: August 31, 2026
Compare Best CD Rates in Idaho
Idaho 3 Month CD Rates
MonitorBankRates National Average — 3 Month CD1.96% APY▲ 0.02% from last week
The national average 3-month CD rate is 1.96% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
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: 1.97%
855 University Blvd, Rexburg, ID 83440
3 Month
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
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%
▲ 1.64% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Business 3 Month CD
$0
3.60%
▲ 1.64% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
Details
Payment Frequency: Maturity
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
3 Month CD
$0
3.60%
▲ 1.64% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.64% above avg
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
3.55%
▲ 1.59% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Business 3 Month CD
$0
3.55%
▲ 1.59% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Payment Frequency: Maturity
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
Business 90 Day Fixed Rate
$0
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
465 W Bosanko Ave, Coeur D Alene, ID 83815
3 month
$0
3.50%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
3 Month Certificate
$0
3.50%
▲ 1.54% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Jumbo Certificates or more) - 3 Month
$0
3.50%
▲ 1.54% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
$95,000
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
90 Day
$2,500
3.40%
▲ 1.44% above national avg
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 3 Months
$0
3.30%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 3 Months
$0
3.15%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.19% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 3 Months
$0
3.00%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
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%
▲ 0.57% above national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.57% above avg
Details
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
3 Month IRA Certificate
$0
2.53%
▲ 0.57% above national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.57% above avg
Details
Early Withdrawal 30 day Penalty
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
707 S 9th Ave, Pocatello, ID 83209
Share/IRA Certificates 3 Months
$0
1.40%
▼ 0.56% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.56% below avg
Details
IRA CD .25% Increase (APY): 1.65%
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
654 SOUTHWAY AVE, LEWISTON, ID 83501
Share & IRA Certificates 3 Months
$0
1.25%
▼ 0.71% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.71% below avg
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 CD
$2,500
0.06%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Relationship APY 0.06%
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%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
3 month Standard Interest Rate
$2,500
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship Interest Rate 0.06%
Idaho 6 Month CD Rates
MonitorBankRates National Average — 6 Month CD2.67% APY▲ 0.03% from last week
The national average 6-month CD rate is 2.67% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 6 Months
$0
4.10%
▲ 1.43% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.43% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
4400 Central Way, Chubbuck, ID 83202
6 Month Promo CD
$500
3.95%
▲ 1.28% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.28% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 6 Months
$0
3.95%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.28% above avg
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)
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
Idaho United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
333 N 13TH ST, Boise, ID 83702 5617
6 Month Promo CD
$500
3.90%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
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.
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
707 S 9th Ave, Pocatello, ID 83209
6 Months
$500
3.85%
▲ 1.18% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Limited Time Offer. New money required. Effective 04/27/26.
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
4708 Yellowstone Ave, Chubbuck, ID 83202 2336
6 Months
$500
3.82%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.15% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 6 Months
$0
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
6 Months Add-on CD
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
An unlimited Add-on CD allows the bearer to make unlimited deposits into a CD account during the maturity term.
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Business 6 Months Add-on CD
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
An unlimited Add-on CD allows the bearer to make unlimited deposits into a CD account during the maturity term.
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3640 E Seltice Way, Post Falls, ID 83854
6 Month BUMP
$500
3.61%
▲ 0.94% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.94% above avg
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
250 W 3rd S, Mountain Home, ID 83647
ROTH IRA Term Certificate 6 Months
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 6 Months
$0
3.60%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
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%
▲ 0.91% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.91% above avg
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Business 6 Month CD
$0
3.58%
▲ 0.91% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.91% above avg
Details
Payment Frequency: 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%
▲ 0.86% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.86% above avg
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Business 6 Month CD
$0
3.53%
▲ 0.86% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.86% above avg
Details
Payment Frequency: Maturity
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
465 W Bosanko Ave, Coeur D Alene, ID 83815
6 month
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1150 N 8th Ave, Pocatello, ID 83201 5720
6 Month
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
6 Month Certificate
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Jumbo Certificates or more) - 6 Month
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
$95,000
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
216 N Plymouth Ave, New Plymouth, ID 83655
6 Month
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 3.20%
2200 1st St, Lewiston, ID 83501 3559
6 Month
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 6 Months
$0
3.45%
▲ 0.78% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.78% above avg
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
Business 6 Month Fixed Rate
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1626 17th St, Lewiston, ID 83501
6 Months
$0
3.40%
▲ 0.73% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
654 SOUTHWAY AVE, LEWISTON, ID 83501
6 Month Certificate Account
$500
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
654 SOUTHWAY AVE, LEWISTON, ID 83501
Share & IRA Certificates 6 Months
$0
3.40%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.73% above avg
Details
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
129 S 9th St, St Maries, ID 83861
6 Months
$0
3.38%
▲ 0.71% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.71% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
6 Month
$2,500
3.30%
▲ 0.63% above national avg
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 6 Months
$0
3.30%
▲ 0.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
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%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details
Early Withdrawal 30 day Penalty
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
6 Months
$50,000
1.45%
▼ 1.22% below national avg
▼
Rate1.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.22% below avg
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
707 S 9th Ave, Pocatello, ID 83209
Share/IRA Certificates 6 Months
$0
1.40%
▼ 1.27% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.27% below avg
Details
IRA CD .25% Increase (APY): 1.65%
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
6 Months
$10,000
1.40%
▼ 1.27% below national avg
▼
Rate1.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.27% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
6 Months
$500
1.35%
▼ 1.32% below national avg
▼
Rate1.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.32% below avg
Details
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
6 Months
$0
1.00%
▼ 1.67% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.67% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.61% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.61% below avg
Details
Relationship APY 0.06%
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%
▼ 2.62% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
6 month Standard Interest Rate
$2,500
0.05%
▼ 2.62% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 2.62% below avg
Details
Relationship Interest Rate 0.05%
Idaho 12 Month CD Rates
MonitorBankRates National Average — 12 Month CD2.83% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.83% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 12 Months
$0
4.50%
▲ 1.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.67% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 12 Months
$0
4.35%
▲ 1.52% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.52% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 12 Months
$0
4.20%
▲ 1.37% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.37% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
4400 Central Way, Chubbuck, ID 83202
12 Month Promo CD
$500
4.15%
▲ 1.32% above national avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 12 Months
$0
4.10%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
12 Month Accumulator IRA
$0
4.06%
▲ 1.23% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.23% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
12 Month Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Jumbo Certificates or more) - 12 Month
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
$95,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 12 Months
$0
3.95%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.12% above avg
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
815 1st St, Idaho Falls, ID 83401 4080
IRA Term Certificate 12 Months
$0
3.95%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.12% above avg
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
12 Month CD
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 12 Months
$0
3.85%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 12 Months
$0
3.80%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
250 W 3rd S, Mountain Home, ID 83647
ROTH IRA Term Certificate 12 Months
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
855 University Blvd, Rexburg, ID 83440
12 Month Flex (regular only)
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 12 Months
$0
3.70%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3640 E Seltice Way, Post Falls, ID 83854
12 Month BUMP
$500
3.66%
▲ 0.83% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.83% above avg
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1150 N 8th Ave, Pocatello, ID 83201 5720
1 Year
$0
3.65%
▲ 0.82% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
12 Months
$0
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Bump CD - 12 Months
$100,000
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
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%
▲ 0.72% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Business 1 Year CD
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
Details
Payment Frequency: Maturity
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%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Maturity
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Business 1 Year CD
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Payment Frequency: Maturity
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
216 N Plymouth Ave, New Plymouth, ID 83655
Certificate Add On - Small Savers 12 Month
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 3.20%
2200 1st St, Lewiston, ID 83501 3559
12 Month
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
12 Months
$0
3.45%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Bump CD - 12 Months
$50,000
3.45%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
654 SOUTHWAY AVE, LEWISTON, ID 83501
12 Month Certificate Account
$500
3.45%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
654 SOUTHWAY AVE, LEWISTON, ID 83501
Share & IRA Certificates 12 Months
$0
3.45%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
Business 12 Month Fixed Rate
$0
3.40%
▲ 0.57% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.57% above avg
Details
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
129 S 9th St, St Maries, ID 83861
12 Months
$0
3.40%
▲ 0.57% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.57% above avg
Details
Northwest Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.28%
716 E COLORADO AVE, NAMPA, ID 83686
12 Month Certificate
$0
3.40%
▲ 0.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.57% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
12 Month
$1,000
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.52% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
12 Month IRA
$500
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.52% above avg
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1626 17th St, Lewiston, ID 83501
12 Months
$0
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.52% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
12 Months
$0
3.30%
▲ 0.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Bump CD - 12 Months
$500
3.30%
▲ 0.47% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
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%
▲ 0.37% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.37% above avg
Details
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%
▲ 0.37% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.37% above avg
Details
Early Withdrawal 30 day Penalty
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
4708 Yellowstone Ave, Chubbuck, ID 83202 2336
12 Months
$1,000
2.27%
▼ 0.56% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.56% below avg
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 3.20%
2200 1st St, Lewiston, ID 83501 3559
Youth Saver (Available for Adventure, Discovery, & Explorer Accounts) 12 Month
$0
2.02%
▼ 0.81% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 0.81% below avg
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
707 S 9th Ave, Pocatello, ID 83209
Share/IRA Certificates 12 Months
$0
1.80%
▼ 1.03% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.03% below avg
Details
IRA CD .25% Increase (APY): 2.05%
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
12 Months
$50,000
1.70%
▼ 1.13% below national avg
▼
Rate1.69%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.13% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
12 Months
$10,000
1.65%
▼ 1.18% below national avg
▼
Rate1.64%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.18% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
12 Months
$500
1.60%
▼ 1.23% below national avg
▼
Rate1.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.23% below avg
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 CD
$2,500
1.51%
▼ 1.32% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 1.50%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.32% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.32% below avg
Details
Relationship APY 1.51%
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%
▼ 1.33% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.33% below avg
Details
Relationship APY 1.51%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
1 year Standard Interest Rate
$2,500
1.50%
▼ 1.33% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▼ 1.33% below avg
Details
Relationship Interest Rate 1.50%
Idaho 18 Month CD Rates
MonitorBankRates National Average — 18 Month CD2.68% APY▲ 0.04% from last week
The national average 18-month CD rate is 2.68% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 18 Months
$0
4.60%
▲ 1.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.92% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 18 Months
$0
4.45%
▲ 1.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.77% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 18 Months
$0
4.30%
▲ 1.62% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.62% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
4400 Central Way, Chubbuck, ID 83202
18 Month Promo CD
$500
4.20%
▲ 1.52% above national avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.52% above avg
Details
Health Care Idaho Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
520 S Eagle Rd, Meridian, ID 83642 6351
18-Month Promo CD
$0
4.20%
▲ 1.52% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.52% above avg
Details
Limited-time offer
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 18 Months
$0
4.10%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.42% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
855 University Blvd, Rexburg, ID 83440
18 Month
$0
3.95%
▲ 1.27% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 18 Months
$0
3.95%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
18 Month IRA
$0
3.91%
▲ 1.23% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 18 Months
$0
3.80%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
18 Month CD
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
855 University Blvd, Rexburg, ID 83440
18 Month Variable
$0
3.72%
▲ 1.04% above national avg
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.04% above avg
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
250 W 3rd S, Mountain Home, ID 83647
ROTH IRA Term Certificate 18 Months
$0
3.70%
▲ 1.02% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1150 N 8th Ave, Pocatello, ID 83201 5720
18 Month - One Jump
$0
3.70%
▲ 1.02% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
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%
▲ 0.90% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.90% above avg
Details
Semiannually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Business 18 Month CD
$0
3.58%
▲ 0.90% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.90% above avg
Details
Payment Frequency: Semiannually
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
654 SOUTHWAY AVE, LEWISTON, ID 83501
18 Month Certificate Account
$500
3.55%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
654 SOUTHWAY AVE, LEWISTON, ID 83501
Share & IRA Certificates 18 Months
$0
3.55%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
18 Month CD
$0
3.53%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.85% above avg
Details
Semiannually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Business 18 Month CD
$0
3.53%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.85% above avg
Details
Payment Frequency: Semiannually
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
18 Month Certificate
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Jumbo Certificates or more) - 18 Month
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
$95,000
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3640 E Seltice Way, Post Falls, ID 83854
18 Month BUMP
$500
3.30%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
Business 18 Month Fixed Rate
$0
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1626 17th St, Lewiston, ID 83501
18 Months
$0
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
707 S 9th Ave, Pocatello, ID 83209
Share/IRA Certificates 18 Months
$0
1.85%
▼ 0.83% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.83% below avg
Details
IRA CD .25% Increase (APY): 2.10%
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
18 Months
$50,000
1.80%
▼ 0.88% below national avg
▼
Rate1.79%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.88% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
18 Months
$10,000
1.75%
▼ 0.93% below national avg
▼
Rate1.74%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.93% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
18 Months
$500
1.70%
▼ 0.98% below national avg
▼
Rate1.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.98% below avg
Details
Idaho 24 Month CD Rates
MonitorBankRates National Average — 24 Month CD2.71% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 24 Months
$0
4.30%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.59% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 24 Months
$0
4.15%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.44% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
4400 Central Way, Chubbuck, ID 83202
24 Month Promo CD
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
855 University Blvd, Rexburg, ID 83440
24 Month
$0
3.95%
▲ 1.24% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.24% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 24 Months
$0
3.90%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
815 1st St, Idaho Falls, ID 83401 4080
IRA Term Certificate 24 Months
$0
3.90%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
24 Month
$0
3.87%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details
With .25% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
24 Month IRA
$0
3.87%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details
With .25% Bonus*
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 24 Months
$0
3.80%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 24 Months
$0
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
24 Month Certificate
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Jumbo Certificates or more) - 24 Month
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
$95,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 24 Months
$0
3.65%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
24 Month
$1,000
3.61%
▲ 0.90% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.90% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
24 Month IRA
$500
3.61%
▲ 0.90% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.90% above avg
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
250 W 3rd S, Mountain Home, ID 83647
ROTH IRA Term Certificate 24 Months
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1150 N 8th Ave, Pocatello, ID 83201 5720
2 Year - One Jump
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 24 Months
$0
3.60%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
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%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Business 2 Year CD
$0
3.55%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
Payment Frequency: Annually
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
654 SOUTHWAY AVE, LEWISTON, ID 83501
Share & IRA Certificates 24 Months
$0
3.55%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
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%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Business 2 Year CD
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Payment Frequency: Annually
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 24 Months
$0
3.50%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
216 N Plymouth Ave, New Plymouth, ID 83655
24 Month
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 3.20%
2200 1st St, Lewiston, ID 83501 3559
24 Month
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
24 Month IRA CD
$0
3.41%
▲ 0.70% above national avg
▼
Rate3.36%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.70% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
24 Months
$0
3.40%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Bump CD - 24 Months
$100,000
3.40%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
24 Month CD
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
24 Months
$0
3.25%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Bump CD - 24 Months
$50,000
3.25%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1626 17th St, Lewiston, ID 83501
24 Months
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
24 Months
$0
3.10%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.39% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Bump CD - 24 Months
$500
3.10%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.39% above avg
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
Business 24 Month Fixed Rate
$0
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3640 E Seltice Way, Post Falls, ID 83854
24 Month BUMP
$500
3.00%
▲ 0.29% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.29% above avg
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%
▲ 0.04% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.04% above avg
Details
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%
▲ 0.04% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.04% above avg
Details
Early Withdrawal 90 day Penalty
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
4708 Yellowstone Ave, Chubbuck, ID 83202 2336
24 Months
$1,000
2.02%
▼ 0.69% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.69% below avg
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
707 S 9th Ave, Pocatello, ID 83209
Share/IRA Certificates 24 Months
$0
1.90%
▼ 0.81% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.81% below avg
Details
IRA CD .25% Increase (APY): 2.15%
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
24 Months
$50,000
1.90%
▼ 0.81% below national avg
▼
Rate1.89%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.81% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
24 Months
$10,000
1.85%
▼ 0.86% below national avg
▼
Rate1.84%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.86% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
24 Months
$500
1.80%
▼ 0.91% below national avg
▼
Rate1.79%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.91% below avg
Details
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
2 Years
$0
1.76%
▼ 0.95% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▼ 0.95% below avg
Details
Idaho 36 Month CD Rates
MonitorBankRates National Average — 36 Month CD2.66% APY▲ 0.03% from last week
The national average 36-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
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: 1.97%
855 University Blvd, Rexburg, ID 83440
36 Month
$0
3.95%
▲ 1.30% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
36 Month
$0
3.87%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details
With .25% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
36 Month IRA
$0
3.87%
▲ 1.22% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.22% above avg
Details
With .25% Bonus*
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 36 Months
$0
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
36 Month Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Jumbo Certificates or more) - 36 Month
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
$95,000
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
36 Month
$1,000
3.61%
▲ 0.96% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.96% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
36 Month IRA
$500
3.61%
▲ 0.96% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.96% above avg
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
216 N Plymouth Ave, New Plymouth, ID 83655
36 Month
$0
3.60%
▲ 0.95% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
654 SOUTHWAY AVE, LEWISTON, ID 83501
Share & IRA Certificates 36 Months
$0
3.60%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
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%
▲ 0.90% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Business 3 Year CD
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Payment Frequency: Annually
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 36 Months
$0
3.55%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
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
3.50%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Business 3 Year CD
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Payment Frequency: Annually
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
465 W Bosanko Ave, Coeur D Alene, ID 83815
36 month
$0
3.50%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 36 Months
$0
3.50%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1150 N 8th Ave, Pocatello, ID 83201 5720
3 Year -- One Jump
$0
3.40%
▲ 0.75% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
250 W 3rd S, Mountain Home, ID 83647
ROTH IRA Term Certificate 36 Months
$0
3.35%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 36 Months
$0
3.35%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
36 Month IRA CD
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 36 Months
$0
3.30%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 36 Months
$0
3.25%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1626 17th St, Lewiston, ID 83501
36 Months
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
36 Month CD
$0
3.15%
▲ 0.50% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.50% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 36 Months
$0
3.10%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.45% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 36 Months
$0
3.05%
▲ 0.40% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.40% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
36 Months
$0
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Bump CD - 36 Months
$100,000
3.00%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 36 Months
$0
2.85%
▲ 0.20% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.20% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
36 Months
$0
2.80%
▲ 0.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.15% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Bump CD - 36 Months
$50,000
2.80%
▲ 0.15% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.15% above avg
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3640 E Seltice Way, Post Falls, ID 83854
36 Month BUMP
$500
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
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%
▲ 0.10% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
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%
▲ 0.10% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Early Withdrawal 90 day Penalty
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 3.20%
2200 1st St, Lewiston, ID 83501 3559
36 Month
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.10% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
36 Months
$0
2.60%
▼ 0.05% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.05% below avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Bump CD - 36 Months
$500
2.60%
▼ 0.05% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.05% below avg
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
Business 36 Month Fixed Rate
$0
2.50%
▼ 0.15% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.15% below avg
Details
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
3 Years
$0
2.27%
▼ 0.38% below national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.38% below avg
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
707 S 9th Ave, Pocatello, ID 83209
Share/IRA Certificates 36 Months
$0
2.10%
▼ 0.55% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.55% below avg
Details
IRA CD .25% Increase (APY): 2.35%
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
36 Months
$50,000
2.00%
▼ 0.65% below national avg
▼
Rate1.99%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.65% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
36 Months
$10,000
1.95%
▼ 0.70% below national avg
▼
Rate1.94%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.70% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
36 Months
$500
1.90%
▼ 0.75% below national avg
▼
Rate1.89%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.75% below avg
Details
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
4708 Yellowstone Ave, Chubbuck, ID 83202 2336
36 Months
$1,000
1.26%
▼ 1.39% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 1.39% below avg
Details
Idaho 48 Month CD Rates
MonitorBankRates National Average — 48 Month CD2.66% APY▲ 0.04% from last week
The national average 48-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
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: 1.97%
855 University Blvd, Rexburg, ID 83440
48 Month
$0
3.95%
▲ 1.29% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.29% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 48 Months
$0
3.75%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
48 Month Certificate
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Jumbo Certificates or more) - 48 Month
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
$95,000
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
216 N Plymouth Ave, New Plymouth, ID 83655
48 Month
$0
3.60%
▲ 0.94% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
654 SOUTHWAY AVE, LEWISTON, ID 83501
Share & IRA Certificates 48 Months
$0
3.60%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 48 Months
$0
3.55%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
465 W Bosanko Ave, Coeur D Alene, ID 83815
48 month
$0
3.50%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1150 N 8th Ave, Pocatello, ID 83201 5720
4 Year -- One Jump
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 48 Months
$0
3.50%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
250 W 3rd S, Mountain Home, ID 83647
ROTH IRA Term Certificate 48 Months
$0
3.45%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
48 Month
$1,000
3.45%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
48 Month IRA
$500
3.45%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 48 Months
$0
3.35%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 48 Months
$0
3.30%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1626 17th St, Lewiston, ID 83501
48 Months
$0
3.30%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 48 Months
$0
3.25%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
48 Month CD
$0
3.15%
▲ 0.49% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.49% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 48 Months
$0
3.10%
▲ 0.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.44% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 48 Months
$0
3.05%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
48 Months
$0
3.00%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Bump CD - 48 Months
$100,000
3.00%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 48 Months
$0
2.85%
▲ 0.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.19% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
48 Months
$0
2.80%
▲ 0.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.14% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Bump CD - 48 Months
$50,000
2.80%
▲ 0.14% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.14% above avg
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3640 E Seltice Way, Post Falls, ID 83854
48 Month BUMP
$500
2.75%
▲ 0.09% above national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.09% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
48 Months
$0
2.60%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.06% below avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Bump CD - 48 Months
$500
2.60%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.06% below avg
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
Business 48 Month Fixed Rate
$0
2.50%
▼ 0.16% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.16% below avg
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
707 S 9th Ave, Pocatello, ID 83209
Share/IRA Certificates 48 Months
$0
2.20%
▼ 0.46% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.46% below avg
Details
IRA CD .25% Increase (APY): 2.45%
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
4 Years
$0
2.12%
▼ 0.54% below national avg
▼
Rate2.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.54% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
48 Months
$50,000
2.05%
▼ 0.61% below national avg
▼
Rate2.03%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.61% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
48 Months
$10,000
2.00%
▼ 0.66% below national avg
▼
Rate1.99%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.66% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
48 Months
$500
1.95%
▼ 0.71% below national avg
▼
Rate1.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.71% below avg
Details
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
4708 Yellowstone Ave, Chubbuck, ID 83202 2336
48 Months
$1,000
0.40%
▼ 2.26% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 2.26% below avg
Details
Idaho 60 Month CD Rates
MonitorBankRates National Average — 60 Month CD2.76% APY▲ 0.03% from last week
The national average 60-month CD rate is 2.76% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
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: 7.26%
11292 W Fairview Ave, Boise, ID 83713
60 Months Certificate
$500
4.30%
▲ 1.54% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.54% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.26%
11292 W Fairview Ave, Boise, ID 83713
60 Months
$500
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.39% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
855 University Blvd, Rexburg, ID 83440
60 Month
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.24% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.86%
4400 Central Way, Chubbuck, ID 83202
60 Month Promo CD
$500
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.14% above avg
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.50%
1150 N 8th Ave, Pocatello, ID 83201 5720
5 Year -- One Jump
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 60 Months
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
60 Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Jumbo Certificates or more) - 60 Month
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
$95,000
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
654 SOUTHWAY AVE, LEWISTON, ID 83501
Share & IRA Certificates 60 Months
$0
3.65%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
216 N Plymouth Ave, New Plymouth, ID 83655
60 Month
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
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%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Business 5 Year CD
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Payment Frequency: Annually
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.99%
250 W 3rd S, Mountain Home, ID 83647
ROTH IRA Term Certificate 60 Months
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
60 Month
$1,000
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
520 5th Ave, Sandpoint, ID 83864 1519
60 Month IRA
$500
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 60 Months
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
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%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Annually
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Business 5 Year CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Payment Frequency: Annually
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
465 W Bosanko Ave, Coeur D Alene, ID 83815
60 month
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 60 Months
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA CD 60 Months
$0
3.35%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1626 17th St, Lewiston, ID 83501
60 Months
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
320 E Neider Ave, Coeur D Alene, ID 83815
Business 60 Months
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 60 Months
$0
3.30%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 60 Months
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
320 E Neider Ave, Coeur D Alene, ID 83815
Business 60 Months
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.39% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
IRA Bump CD 60 Months
$0
3.10%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 60 Months
$0
3.05%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.29% above avg
Details
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
320 E Neider Ave, Coeur D Alene, ID 83815
Business 60 Months
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
60 Months
$0
3.00%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Bump CD - 60 Months
$100,000
3.00%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Fixed CD 60 Months
$0
2.85%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.09% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
60 Months
$0
2.80%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.04% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Bump CD - 60 Months
$50,000
2.80%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.04% above avg
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3640 E Seltice Way, Post Falls, ID 83854
60 Month BUMP
$500
2.75%
▼ 0.01% below national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.01% below avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
60 Months
$0
2.60%
▼ 0.16% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.16% below avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
317 S Beck Rd, Post Falls, ID 83854
Bump CD - 60 Months
$500
2.60%
▼ 0.16% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.16% below avg
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
Business 60 Month Fixed Rate
$0
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.26% below avg
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
707 S 9th Ave, Pocatello, ID 83209
Share/IRA Certificates 60 Months
$0
2.35%
▼ 0.41% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.41% below avg
Details
IRA CD .25% Increase (APY): 2.60%
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
60 Months
$50,000
2.10%
▼ 0.66% below national avg
▼
Rate2.08%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.66% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
60 Months
$10,000
2.05%
▼ 0.71% below national avg
▼
Rate2.03%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.71% below avg
Details
Frontier Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
5 Years
$0
2.02%
▼ 0.74% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.74% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 10.63%
12195 W McMillan Rd, Boise, ID 83713 2475
60 Months
$500
2.00%
▼ 0.76% below national avg
▼
Rate1.99%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 0.76% below avg
Details
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
4708 Yellowstone Ave, Chubbuck, ID 83202 2336
60 Months
$1,000
0.40%
▼ 2.36% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▼ 2.36% below avg
Details
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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.
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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
2.833%
▲ 0.569 vs 7 days ago
Idaho 12-month CD rates rose 0.569 points over the past 7 days to 2.833% APY.
6-Month CD — ID Avg
2.672%
▲ 1.170 vs 7 days ago
Idaho 6-month CD rates rose 1.170 points over the past 7 days to 2.672% APY.
As of Sep 2, 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 September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
ID 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%
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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 | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 31, 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 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/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.
240
CD Rates
Tracked in Idaho
Tracked in Idaho
6 Banks
23 Credit Unions
About Our Idaho CD Rate Database
MonitorBankRates tracks 240 CD rates from 6 banks and 23 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: Gesa Credit Union offers a CD at 4.60% APY with a minimum deposit of $0. 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 23 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 the funds within 30 days — compare Idaho savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare 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
$114/yr
At ID 12-mo avg 2.833% 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 2.833%, saving 10% of the local median salary ($4,017/year) and putting it in a CD would earn an additional $114 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 |
How Certificates of Deposit Work in Idaho
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Idaho typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Idaho as everywhere in the U.S.
Choosing a CD Term in Idaho
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Idaho savers easier access to their funds. For example, Gesa Credit Union is offering its IRA CD 6 Months at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, America First Federal Credit Union is offering its 60 Months Certificate at 4.30% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Idaho Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Idaho saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Idaho
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Idaho CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Idaho
Most CDs carry a fixed rate that is locked for the entire term, protecting a Idaho depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
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:
- Gesa Credit Union: 4.60% APY (IRA CD 18 Months)
- America First Federal Credit Union: 4.30% APY (60 Months Certificate)
- Idaho Central Credit Union: 4.20% APY (18 Month Promo CD)
- Health Care Idaho Credit Union: 4.20% APY (18-Month Promo CD)
- Farmers Bank Buhl, ID: 4.06% APY (12 Month Accumulator IRA)
- Goldenwest Federal Credit Union: 4.00% APY (60 Month)
- Technology Credit Union: 4.00% APY (12 Month Certificate)
- Westmark Credit Union: 3.95% APY (IRA Term Certificate 12 Months)
- Idaho United Credit Union: 3.90% APY (6 Month Promo CD)
- Horizon Credit Union: 3.87% APY (24 Month)
Rates reflect recent verified offers available in Idaho. Last Updated: August 31, 2026
Idaho CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Idaho rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Idaho
Idaho CD Calculator
At today’s ID top rate of 4.60% APY, a $10,000 deposit earns $460 in the first year. Enter your amount to see your exact return.
Idaho CD LadderID CD rates currently range from 1.964% (3-month) to 2.655% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Idaho CD at 4.60% 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 2.833% 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
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Idaho CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
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 sourcing data 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: August 31, 2026
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