Bayview, Idaho Best CD Rates October 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.
Bayview, Idaho CD rates from banks and credit unions serving Idaho range from 0.05% to 4.60% APY, verified by MonitorBankRates as of October 14, 2026. Current Bayview, Idaho CD rates include Gesa Credit UnionGesa Credit UnionA5.0 ★Texas Ratio: 6.57%Real return: +1.80%APY minus CPI (February 2026) offering 18 Month Certificate Accounts at 4.60% APY, Advantage Plus Federal Credit UnionAdvantage Plus Federal Credit UnionA+5.0 ★Texas Ratio: 3.01%Real return: +1.70%APY minus CPI (February 2026) offering Share Certificates - 60 months at 4.50% APY, Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 9.78%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month Certificate at 4.50% APY, America First Federal Credit UnionAmerica First Federal Credit UnionA5.0 ★Texas Ratio: 8.33%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificate Account at 4.50% APY, and Goldenwest Federal Credit UnionGoldenwest Federal Credit UnionA+5.0 ★Texas Ratio: 2.69%Real return: +1.65%APY minus CPI (February 2026) offering 24 Month Certificate at 4.45% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Bayview is a smaller community with no bank or credit union branches currently in our database. 420 institutions serving the Idaho area are available to Bayview residents, with CD rates as high as 4.60% APY from Gesa Credit Union. Rates are continually updated, so 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: October 14, 2026
Compare Best CD Rates in Bayview, Idaho & the Surrounding Area
Bayview 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Certificate
$500
3.90%
▲ 1.36% above Idaho avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average2.54%▲ 1.36% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month (91 Day) CD
$500
3.85%
▲ 1.31% above Idaho avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▲ 1.31% above avgNationally 2.09%
Details
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
- Oct 14, 20263.85%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month (91 Day) CD
$500
3.80%
▲ 1.26% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▲ 1.26% above avgNationally 2.09%
Details
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Business Liquid Certificate - 3 Month
$95,000
3.65%
▲ 1.11% above Idaho avg
▼
Rate3.60%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▲ 1.11% above avgNationally 2.09%
Details
Effective Date: 09/01/2026; Requires $95,000 of New-to-Tech CU money; $95,000 must be maintained to earn APY
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Liquid Certificate - 3 Month
$1,000
3.65%
▲ 1.11% above Idaho avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▲ 1.11% above avgNationally 2.09%
Details
Effective Date: 09/01/2026; APY available on minimum $1,000 of new-to-Tech CU money; penalties for early withdrawal
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
3 Month CD
$500
3.60%
▲ 1.06% above Idaho avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average2.54%▲ 1.06% above avgNationally 2.09%
Details
Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 7 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business Certificate of Deposit - 90 Day Fixed Rate
$100
3.50%
▲ 0.96% above Idaho avg
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▲ 0.96% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
3 Month Certificate
$1,000
3.50%
▲ 0.96% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average2.54%▲ 0.96% above avgNationally 2.09%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 3.50% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Business Certificate
$0
3.50%
▲ 0.96% above Idaho avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▲ 0.96% above avgNationally 2.09%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Jumbo Certificates
$0
3.50%
▲ 0.96% above Idaho avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▲ 0.96% above avgNationally 2.09%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
3.50%
▲ 0.96% above Idaho avg
▼
Rate3.46%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▲ 0.96% above avgNationally 2.09%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificates - 3 Month
$1,000
3.50%
▲ 0.96% above Idaho avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▲ 0.96% above avgNationally 2.09%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 90 Day
$2,500
3.40%
▲ 0.86% above Idaho avg
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average2.54%▲ 0.86% above avgNationally 2.09%
Details
Balance: $2,500 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.40% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed Certificate
$500
3.30%
▲ 0.76% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▲ 0.76% above avgNationally 2.09%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed Certificate
$500
3.15%
▲ 0.61% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▲ 0.61% above avgNationally 2.09%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 7 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
90 Day Certificates of Deposit
$500
3.00%
▲ 0.46% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▲ 0.46% above avgNationally 2.09%
Details
$500 minimum to open; All certificates can be added onto, $200 minimum add on
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed Certificate
$500
3.00%
▲ 0.46% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▲ 0.46% above avgNationally 2.09%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Month Certificate
$0
3.00%
▲ 0.46% above Idaho avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▲ 0.46% above avgNationally 2.09%
Details
$1,000.00 Minimum Balance; 90 Days
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Month IRA Certificate
$0
3.00%
▲ 0.46% above Idaho avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▲ 0.46% above avgNationally 2.09%
Details
$1,000.00 Minimum Balance; 90 Days
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 3 months
$0
1.75%
▼ 0.79% below Idaho avg
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average2.54%▼ 0.79% below avgNationally 2.09%
Details
Interest Rate column shown as Interest Rate; APY* column shown as APY*
Rate History
No change since Oct 12, 2026 · 1.75% APY
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
3 Month IRA Certificate
$500
1.65%
▼ 0.89% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average2.54%▼ 0.89% below avgNationally 2.09%
Details
IRA CD .25% Increase (APY); Deposit Amount: $500 +; Compounded/Paid: Monthly/Monthly
Rate History
No change since Sep 25, 2026 · 1.65% APY · checked 2 times
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
90 Day Term Certificates
$500
1.50%
▼ 1.04% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▼ 1.04% below avgNationally 2.09%
Details
Rates are tiered based on deposit amount
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
3 Month Rewards CD
$500
1.40%
▼ 1.14% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average2.54%▼ 1.14% below avgNationally 2.09%
Details
Compound/Paid: Monthly/Monthly
Rate History
No change since Sep 12, 2026 · 1.40% APY · checked 6 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
3 Month Share Certificate
$500
1.40%
▼ 1.14% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average2.54%▼ 1.14% below avgNationally 2.09%
Details
Deposit Amount: $500 +; Compounded/Paid: Monthly/Monthly
Rate History
No change since Oct 12, 2026 · 1.40% APY
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
3 Month Share Certificates
$0
1.25%
▼ 1.29% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▼ 1.29% below avgNationally 2.09%
Details
Rate History
No change since Sep 27, 2026 · 1.25% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 3 Months
$0
1.25%
▼ 1.29% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▼ 1.29% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 4 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$1,000
0.10%
▼ 2.44% below Idaho avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▼ 2.44% below avgNationally 2.09%
Details
Balance: $90,000 +; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 3 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.10%
▼ 2.44% below Idaho avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▼ 2.44% below avgNationally 2.09%
Details
Balance: $90,000 and over; Renewal Term: 3 Months
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.48% below Idaho avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▼ 2.48% below avgNationally 2.09%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.49% below Idaho avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▼ 2.49% below avgNationally 2.09%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$1,000
0.05%
▼ 2.49% below Idaho avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▼ 2.49% below avgNationally 2.09%
Details
Balance: $1,000 - $89,999; Renewal Term: 3 Months; $1,000 minimum to open ($500 minimum for minors); A penalty may be assessed for early withdrawal
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 3 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.05%
▼ 2.49% below Idaho avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▼ 2.49% below avgNationally 2.09%
Details
Balance: $1,000 - $89,999; Renewal Term: 3 Months
Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
- Oct 7, 20260.05%▼ from 0.10%
- Sep 24, 20260.10%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.49% below Idaho avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▼ 2.49% below avgNationally 2.09%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month Standard CD
$1,000
0.05%
▼ 2.49% below Idaho avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average2.54%▼ 2.49% below avgNationally 2.09%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
Bayview 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Portage Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
6-Month Promo CD
$10,000
4.15%
▲ 0.79% above Idaho avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▲ 0.79% above avgNationally 2.77%
Details
Promotional; available only October 6th-December 31st, 2026; new deposits only; $10,000-$1,000,000 to open; renews once at 3.65% (3.68% APY) for same 6-month term
Rate History
1 change since Sep 30, 2026 · 4.04% → 4.15% ▲ 0.11 pts · high 4.15% / low 4.04%
- Oct 8, 20264.15%▲ from 4.04%
- Sep 30, 20264.04%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Certificate Accounts
$0
4.10%
▲ 0.74% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.74% above avgNationally 2.77%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Oct 14, 20264.10%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6 Month Certificate
$500
4.00%
▲ 0.64% above Idaho avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.36%▲ 0.64% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
- Oct 5, 20264.00%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Promo CD
$500
3.95%
▲ 0.59% above Idaho avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.36%▲ 0.59% above avgNationally 2.77%
Details
Terms: See Terms
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Certificate Accounts
$0
3.95%
▲ 0.59% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.59% above avgNationally 2.77%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
- Oct 14, 20263.95%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
6 Month CD (including Accumulator)
$500
3.90%
▲ 0.54% above Idaho avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.36%▲ 0.54% above avgNationally 2.77%
Details
Rate History
No change since Sep 11, 2026 · 3.90% APY · checked 7 times
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
6 Month Fixed Rate Term Certificate
$0
3.90%
▲ 0.54% above Idaho avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▲ 0.54% above avgNationally 2.77%
Details
All accounts require a minimum balance of $500 to earn APY
Rate History
No change since Oct 12, 2026 · 3.90% APY
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
6 Month IRA Term Certificate
$0
3.90%
▲ 0.54% above Idaho avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▲ 0.54% above avgNationally 2.77%
Details
IRA; minimum balance of $500 to earn APY
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
- Oct 8, 20263.90%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
6 Month ROTH IRA Term Certificate
$0
3.90%
▲ 0.54% above Idaho avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▲ 0.54% above avgNationally 2.77%
Details
Minimum balance to earn APY: $500; Rates as of 10/06/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
- Oct 8, 20263.90%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Idaho United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6 Month Promo CD
$500
3.90%
▲ 0.54% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.54% above avgNationally 2.77%
Details
Fixed for the term of the certificate; early withdrawal penalty; $500 minimum deposit to earn APY; No institutional deposits accepted
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
6 Month Limited Time Certificate Special
$500
3.85%
▲ 0.49% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▲ 0.49% above avgNationally 2.77%
Details
APY for 6-month term; New money is required; Penalty for early withdrawal; Limited time offer; Certain membership qualifications may apply
Rate History
No change since Oct 12, 2026 · 3.85% APY
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6 Month (182 Day) CD
$500
3.84%
▲ 0.48% above Idaho avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.48% above avgNationally 2.77%
Details
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.58% → 3.84% ▲ 0.26 pts · high 3.84% / low 3.58%
- Oct 14, 20263.84%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Share Certificate
$500
3.82%
▲ 0.46% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▲ 0.46% above avgNationally 2.77%
Details
Dividends Paid: Monthly
Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Certificate Accounts
$0
3.80%
▲ 0.44% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.44% above avgNationally 2.77%
Details
Balance: $500.00 - $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.80% ▲ 0.50 pts · high 3.80% / low 3.30%
- Oct 14, 20263.80%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6 Month (182 Day) CD
$500
3.79%
▲ 0.43% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.43% above avgNationally 2.77%
Details
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.53% → 3.79% ▲ 0.26 pts · high 3.79% / low 3.53%
- Oct 14, 20263.79%▲ from 3.53%
- Sep 14, 20263.53%first recorded
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
180 Day Certificates of Deposit
$500
3.75%
▲ 0.39% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.39% above avgNationally 2.77%
Details
$500 minimum to open; All certificates can be added onto, $200 minimum add on
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share Certificates - 6 Months
$0
3.70%
▲ 0.34% above Idaho avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.34% above avgNationally 2.77%
Details
Dividend Term: Monthly; Penalty for early withdrawal applies
Rate History
2 changes since Sep 14, 2026 · 3.70% → 3.70% ▼ 0.00 pts · high 3.70% / low 3.60%
- Oct 10, 20263.70%▲ from 3.60%
- Sep 18, 20263.60%▼ from 3.70%
- Sep 14, 20263.70%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6 Month Share Certificates
$0
3.70%
▲ 0.34% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.34% above avgNationally 2.77%
Details
Rate History
No change since Sep 27, 2026 · 3.70% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 6 Months
$0
3.70%
▲ 0.34% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.34% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
- Oct 10, 20263.70%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Share Certificate - 6 Month BUMP
$500
3.61%
▲ 0.25% above Idaho avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.25% above avgNationally 2.77%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 3.61% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Fixed Certificate
$500
3.60%
▲ 0.24% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.24% above avgNationally 2.77%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
6 Month Promotional Certificate
$500
3.51%
▲ 0.15% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.15% above avgNationally 2.77%
Details
Highest dividend available for promotional certificates; shortest term 6 Months, longest term 5 Years; rates current as of October 5, 2026
Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 7 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
6 Month Smart Step Certificate
$25
3.51%
▲ 0.15% above Idaho avg
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.15% above avgNationally 2.77%
Details
Available to members under age 26 (opened by or for); 6-month and 12-month options; deposits may be made at any time; highest dividend available; rates current as of October 5, 2026
Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 7 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Promotional Certificate - 6 Months
$500
3.51%
▲ 0.15% above Idaho avg
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.15% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 8 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Smart Step Certificate - 6 Months
$25
3.51%
▲ 0.15% above Idaho avg
▼
Rate3.46%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.15% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 8 times
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
6 Month Certificate
$1,000
3.50%
▲ 0.14% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.36%▲ 0.14% above avgNationally 2.77%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 3.50% APY
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificate of Deposit - 6 Month
$500
3.50%
▲ 0.14% above Idaho avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.14% above avgNationally 2.77%
Details
Certificate of Deposit (Minimum $500.00)
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6 Month Business Certificate
$0
3.50%
▲ 0.14% above Idaho avg
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.14% above avgNationally 2.77%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6 Month Jumbo Certificates
$0
3.50%
▲ 0.14% above Idaho avg
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.14% above avgNationally 2.77%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
3.50%
▲ 0.14% above Idaho avg
▼
Rate3.47%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.14% above avgNationally 2.77%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificates - 6 Month
$1,000
3.50%
▲ 0.14% above Idaho avg
▼
Rate3.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.14% above avgNationally 2.77%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 6 Month
$500
3.50%
▲ 0.14% above Idaho avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.14% above avgNationally 2.77%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
Certificate - 6 Month
$100
3.50%
▲ 0.14% above Idaho avg
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.14% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Fixed Certificate
$500
3.45%
▲ 0.09% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.09% above avgNationally 2.77%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business Certificate of Deposit - 6 Month Fixed Rate
$100
3.40%
▲ 0.04% above Idaho avg
▼
Rate3.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.04% above avgNationally 2.77%
Details
Rate History
No change since Oct 14, 2026 · 3.40% APY
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate - 6 Months
$0
3.40%
▲ 0.04% above Idaho avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▲ 0.04% above avgNationally 2.77%
Details
Rate History
No change since Oct 10, 2026 · 3.40% APY · checked 2 times
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Regular Certificate of Deposit - 6 Months
$0
3.35%
▼ 0.01% below Idaho avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▼ 0.01% below avgNationally 2.77%
Details
Published APY range: 3.35% - 3.378%; Published rate range: 3.35% - 3.378%. Certificates of Deposit - Regular $1000.00 Minimum; Dividend Rate column shows 3.35% - 3.378% APY*
Rate History
No change since Oct 14, 2026 · 3.35% APY
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 6 Month
$2,500
3.30%
▼ 0.06% below Idaho avg
▼
Rate3.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.36%▼ 0.06% below avgNationally 2.77%
Details
Balance: $2,500 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.30% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Fixed Certificate
$500
3.30%
▼ 0.06% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▼ 0.06% below avgNationally 2.77%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 6 months
$0
3.25%
▼ 0.11% below Idaho avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▼ 0.11% below avgNationally 2.77%
Details
Rate History
No change since Oct 12, 2026 · 3.25% APY
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
6 Month Certificate
$0
3.10%
▼ 0.26% below Idaho avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▼ 0.26% below avgNationally 2.77%
Details
$1,000.00 Minimum Balance; 180 Days
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 6 times
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
180 Day Term Certificates
$500
2.00%
▼ 1.36% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▼ 1.36% below avgNationally 2.77%
Details
Rates are tiered based on deposit amount
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
6 Month IRA Certificate
$500
1.65%
▼ 1.71% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▼ 1.71% below avgNationally 2.77%
Details
IRA CD .25% Increase (APY); Deposit Amount: $500 +
Rate History
No change since Sep 25, 2026 · 1.65% APY · checked 2 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
6 Month Standard Certificate
$50,000
1.45%
▼ 1.91% below Idaho avg
▼
Rate1.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▼ 1.91% below avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 1.45% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Standard Certificate - 6 Months
$50,000
1.45%
▼ 1.91% below Idaho avg
▼
Rate1.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▼ 1.91% below avgNationally 2.77%
Details
Minimum Deposit tier: $50,000.00
Rate History
1 change since Sep 14, 2026 · 2.10% → 1.45% ▼ 0.65 pts · high 2.10% / low 1.45%
- Sep 18, 20261.45%▼ from 2.10%
- Sep 14, 20262.10%first recorded
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
6 Month Rewards CD
$500
1.40%
▼ 1.96% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▼ 1.96% below avgNationally 2.77%
Details
Rate History
No change since Sep 12, 2026 · 1.40% APY · checked 5 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
6 Month Share Certificate
$500
1.40%
▼ 1.96% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▼ 1.96% below avgNationally 2.77%
Details
Deposit Amount: $500 +
Rate History
No change since Oct 12, 2026 · 1.40% APY
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
6 Month Standard Certificate
$10,000
1.40%
▼ 1.96% below Idaho avg
▼
Rate1.39%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▼ 1.96% below avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 1.40% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Standard Certificate - 6 Months
$10,000
1.40%
▼ 1.96% below Idaho avg
▼
Rate1.39%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▼ 1.96% below avgNationally 2.77%
Details
Minimum Deposit tier: $10,000.00
Rate History
1 change since Sep 14, 2026 · 2.10% → 1.40% ▼ 0.70 pts · high 2.10% / low 1.40%
- Sep 18, 20261.40%▼ from 2.10%
- Sep 14, 20262.10%first recorded
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
6 Month Standard Certificate
$500
1.35%
▼ 2.01% below Idaho avg
▼
Rate1.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.36%▼ 2.01% below avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 1.35% APY · checked 5 times
Bayview 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Accounts
$0
4.50%
▲ 1.03% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 1.03% above avgNationally 2.99%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 3.60%
- Oct 14, 20264.50%▲ from 3.60%
- Oct 10, 20263.60%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month IRA
$500
4.38%
▲ 0.91% above Idaho avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.47%▲ 0.91% above avgNationally 2.99%
Details
Balance: $500.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 4.38% APY
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 12 Month
$1,000
4.38%
▲ 0.91% above Idaho avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.47%▲ 0.91% above avgNationally 2.99%
Details
Balance: $1,000.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 4.38% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Accounts
$0
4.35%
▲ 0.88% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.88% above avgNationally 2.99%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.35% ▲ 0.50 pts · high 4.35% / low 3.45%
- Oct 14, 20264.35%▲ from 3.45%
- Oct 10, 20263.45%▼ from 3.85%
- Sep 14, 20263.85%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Accounts
$0
4.20%
▲ 0.73% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.73% above avgNationally 2.99%
Details
Balance: $500.00 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.30%
- Oct 14, 20264.20%▲ from 3.30%
- Oct 10, 20263.30%▼ from 3.70%
- Sep 14, 20263.70%first recorded
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share Certificates - 1 Year
$0
4.20%
▲ 0.73% above Idaho avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.73% above avgNationally 2.99%
Details
Dividend Term: Monthly; Penalty for early withdrawal applies
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 10, 20264.20%▲ from 4.15%
- Sep 18, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Promo CD
$500
4.15%
▲ 0.68% above Idaho avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.47%▲ 0.68% above avgNationally 2.99%
Details
Terms: See Terms
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Bump Certificate
$500
4.10%
▲ 0.63% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.63% above avgNationally 2.99%
Details
APY tier: min. balance $100,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Oct 14, 20264.10%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share Certificates - 1 Year
$0
4.10%
▲ 0.63% above Idaho avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.63% above avgNationally 2.99%
Details
Dividend Term: Monthly; Penalty for early withdrawal applies
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 10, 20264.10%▲ from 4.05%
- Sep 18, 20264.05%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month Accumulator IRA
$500
4.06%
▲ 0.59% above Idaho avg
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.47%▲ 0.59% above avgNationally 2.99%
Details
Rate History
No change since Sep 11, 2026 · 4.06% APY · checked 7 times
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
12 Month Certificate
$0
4.05%
▲ 0.58% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.47%▲ 0.58% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
- Oct 5, 20264.05%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 Month Certificate
$500
4.05%
▲ 0.58% above Idaho avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.47%▲ 0.58% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
- Oct 5, 20264.05%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
12 Month Fixed Rate Term Certificate
$0
4.00%
▲ 0.53% above Idaho avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details
All accounts require a minimum balance of $500 to earn APY
Rate History
No change since Oct 12, 2026 · 4.00% APY
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
12 Month IRA Term Certificate
$0
4.00%
▲ 0.53% above Idaho avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details
IRA; minimum balance of $500 to earn APY
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
- Oct 8, 20264.00%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
12 Month ROTH IRA Term Certificate
$0
4.00%
▲ 0.53% above Idaho avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details
Minimum balance to earn APY: $500; Rates as of 10/06/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 8, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
12 Month Certificate
$1,000
4.00%
▲ 0.53% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 4.00% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Fixed Certificate
$500
4.00%
▲ 0.53% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
12 Month Business Certificate
$0
4.00%
▲ 0.53% above Idaho avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
12 Month Jumbo Certificates
$0
4.00%
▲ 0.53% above Idaho avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
12 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
4.00%
▲ 0.53% above Idaho avg
▼
Rate3.94%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificates - 12 Month
$1,000
4.00%
▲ 0.53% above Idaho avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Bump Certificate
$500
3.95%
▲ 0.48% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.48% above avgNationally 2.99%
Details
APY tier: min. balance $50,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.95% ▲ 0.35 pts · high 3.95% / low 3.60%
- Oct 14, 20263.95%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
12 Month Term Certificates
$500
3.95%
▲ 0.48% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.48% above avgNationally 2.99%
Details
Rates are tiered based on deposit amount
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
IRA Term Certificates - 12 Months
$0
3.95%
▲ 0.48% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.48% above avgNationally 2.99%
Details
Traditional, Roth, SEP; balance $500-$19,999; Minimum $500 deposit
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month CD
$500
3.90%
▲ 0.43% above Idaho avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.47%▲ 0.43% above avgNationally 2.99%
Details
Rate History
No change since Sep 11, 2026 · 3.90% APY · checked 7 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
12 Month Share Certificates
$0
3.90%
▲ 0.43% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.43% above avgNationally 2.99%
Details
Rate History
No change since Sep 27, 2026 · 3.90% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 12 Months
$0
3.90%
▲ 0.43% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.43% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
- Oct 10, 20263.90%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Fixed Certificate
$500
3.85%
▲ 0.38% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.38% above avgNationally 2.99%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1 Year (12 Month) CD
$500
3.80%
▲ 0.33% above Idaho avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.33% above avgNationally 2.99%
Details
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 Month Flex Certificate
$50
3.80%
▲ 0.33% above Idaho avg
▼
Rate3.74%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.47%▲ 0.33% above avgNationally 2.99%
Details
Regular only; maximum $250,000 per account
Rate History
No change since Oct 13, 2026 · 3.80% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Bump Certificate
$500
3.80%
▲ 0.33% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.33% above avgNationally 2.99%
Details
APY tier: min. balance $500; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
- Oct 14, 20263.80%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1 Year (12 Month) CD
$500
3.75%
▲ 0.28% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.28% above avgNationally 2.99%
Details
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 14, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 12 months
$0
3.75%
▲ 0.28% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.47%▲ 0.28% above avgNationally 2.99%
Details
Rate History
No change since Oct 12, 2026 · 3.75% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Fixed Certificate
$500
3.70%
▲ 0.23% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.23% above avgNationally 2.99%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Share Certificate - 12 Month BUMP
$500
3.66%
▲ 0.19% above Idaho avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.19% above avgNationally 2.99%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 3.66% APY
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
CDs & IRA Certificates - 1 Year
$0
3.65%
▲ 0.18% above Idaho avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.18% above avgNationally 2.99%
Details
Rates Effective as of June 11, 2026
Rate History
No change since Oct 14, 2026 · 3.65% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Bump Certificate
$0
3.60%
▲ 0.13% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.13% above avgNationally 2.99%
Details
Balance tier: min. balance $100,000; APY* (min. balance $100,000)
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
12 Month Certificate of Deposit
$500
3.55%
▲ 0.08% above Idaho avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.08% above avgNationally 2.99%
Details
Pays quarterly; $500 minimum
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
12 Month Certificates of Deposit
$500
3.50%
▲ 0.03% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.03% above avgNationally 2.99%
Details
$500 minimum to open; All certificates can be added onto, $200 minimum add on
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
12 Month Certificate Add On - Small Savers
$0
3.50%
▲ 0.03% above Idaho avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.03% above avgNationally 2.99%
Details
Dividend 3.45%; APY 3.50%
Rate History
1 change since Oct 1, 2026 · 3.60% → 3.50% ▼ 0.10 pts · high 3.60% / low 3.50%
- Oct 14, 20263.50%▼ from 3.60%
- Oct 1, 20263.60%first recorded
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 12 Month
$500
3.50%
▲ 0.03% above Idaho avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.03% above avgNationally 2.99%
Details
Rate History
1 change since Sep 27, 2026 · 3.60% → 3.50% ▼ 0.10 pts · high 3.60% / low 3.50%
- Oct 14, 20263.50%▼ from 3.60%
- Sep 27, 20263.60%first recorded
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
Certificate - 12 Month
$100
3.50%
▲ 0.03% above Idaho avg
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▲ 0.03% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Bump Certificate
$0
3.45%
▼ 0.02% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▼ 0.02% below avgNationally 2.99%
Details
Balance tier: min. balance $50,000; APY* (min. balance $50,000)
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business Certificate of Deposit - 12 Month Fixed Rate
$100
3.40%
▼ 0.07% below Idaho avg
▼
Rate3.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▼ 0.07% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.40% APY
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Regular Certificate of Deposit - 12 Months
$0
3.40%
▼ 0.07% below Idaho avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▼ 0.07% below avgNationally 2.99%
Details
Published APY range: 3.40% - 3.40%; Published rate range: 3.40% - 3.40%. Certificates of Deposit - Regular $1000.00 Minimum; Dividend Rate column shows 3.40% - 3.40% APY*
Rate History
No change since Oct 14, 2026 · 3.40% APY
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Promotional Certificate - 12 Months
$500
3.40%
▼ 0.07% below Idaho avg
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▼ 0.07% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Smart Step Certificate - 12 Months
$25
3.40%
▼ 0.07% below Idaho avg
▼
Rate3.36%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▼ 0.07% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate - 12 Months
$0
3.35%
▼ 0.12% below Idaho avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▼ 0.12% below avgNationally 2.99%
Details
Rate History
No change since Oct 10, 2026 · 3.35% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Bump Certificate
$0
3.30%
▼ 0.17% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▼ 0.17% below avgNationally 2.99%
Details
Balance tier: min. balance $500; APY* (min. balance $500)
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
1 Year Certificate
$0
3.20%
▼ 0.27% below Idaho avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.47%▼ 0.27% below avgNationally 2.99%
Details
$1,000.00 Minimum Balance; Early Withdrawal 30 day Penalty
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
Bayview 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Certificate Accounts
$0
4.60%
▲ 1.09% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 1.09% above avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 14, 2026 · 4.10% → 4.60% ▲ 0.50 pts · high 4.60% / low 4.10%
- Oct 14, 20264.60%▲ from 4.10%
- Sep 14, 20264.10%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Certificate Accounts
$0
4.45%
▲ 0.94% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 0.94% above avgNationally 2.88%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 14, 2026 · 3.95% → 4.45% ▲ 0.50 pts · high 4.45% / low 3.95%
- Oct 14, 20264.45%▲ from 3.95%
- Sep 14, 20263.95%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Certificate Accounts
$0
4.30%
▲ 0.79% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 0.79% above avgNationally 2.88%
Details
Balance: $500.00 - $49,999.99
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 14, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Promo CD
$500
4.20%
▲ 0.69% above Idaho avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.51%▲ 0.69% above avgNationally 2.88%
Details
Terms: See Terms
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
18 Month Term Certificates
$500
4.20%
▲ 0.69% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 0.69% above avgNationally 2.88%
Details
Minimum $500 deposit; rates are tiered based on deposit amount
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Sep 22, 20264.20%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
18 Month Certificate
$0
4.15%
▲ 0.64% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.51%▲ 0.64% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 5, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month Certificate
$500
4.15%
▲ 0.64% above Idaho avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.51%▲ 0.64% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 5, 20264.15%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed Certificate
$500
4.10%
▲ 0.59% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 0.59% above avgNationally 2.88%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
18 Month Share Certificates
$0
4.10%
▲ 0.59% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 0.59% above avgNationally 2.88%
Details
Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 18 Months
$0
4.10%
▲ 0.59% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 0.59% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
- Oct 10, 20264.10%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
18 Month Fixed Rate Term Certificate
$0
4.05%
▲ 0.54% above Idaho avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.51%▲ 0.54% above avgNationally 2.88%
Details
All accounts require a minimum balance of $500 to earn APY
Rate History
No change since Oct 12, 2026 · 4.05% APY
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
18 Month IRA Term Certificate
$0
4.05%
▲ 0.54% above Idaho avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.51%▲ 0.54% above avgNationally 2.88%
Details
IRA; minimum balance of $500 to earn APY
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
- Oct 8, 20264.05%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
18 Month ROTH IRA Term Certificate
$0
4.05%
▲ 0.54% above Idaho avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.51%▲ 0.54% above avgNationally 2.88%
Details
Minimum balance to earn APY: $500; Rates as of 10/06/2026
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
- Oct 8, 20264.05%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
18 Month Certificate
$1,000
4.00%
▲ 0.49% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.51%▲ 0.49% above avgNationally 2.88%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 4.00% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 Month Business Certificate
$0
4.00%
▲ 0.49% above Idaho avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 0.49% above avgNationally 2.88%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 Month Jumbo Certificates
$0
4.00%
▲ 0.49% above Idaho avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 0.49% above avgNationally 2.88%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
4.00%
▲ 0.49% above Idaho avg
▼
Rate3.94%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 0.49% above avgNationally 2.88%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificates - 18 Month
$1,000
4.00%
▲ 0.49% above Idaho avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 0.49% above avgNationally 2.88%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed Certificate
$500
3.95%
▲ 0.44% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 0.44% above avgNationally 2.88%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month Variable Certificate
$50
3.91%
▲ 0.40% above Idaho avg
▼
Rate3.84%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.51%▲ 0.40% above avgNationally 2.88%
Details
Variable rate based on the 91-day Treasury Bill average
Rate History
No change since Oct 13, 2026 · 3.91% APY
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
18 Month IRA
$500
3.90%
▲ 0.39% above Idaho avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.51%▲ 0.39% above avgNationally 2.88%
Details
Rate History
1 change since Sep 11, 2026 · 3.91% → 3.90% ▼ 0.01 pts · high 3.91% / low 3.90%
- Oct 11, 20263.90%▼ from 3.91%
- Sep 11, 20263.91%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
18 Month CD
$500
3.84%
▲ 0.33% above Idaho avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 0.33% above avgNationally 2.88%
Details
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Semiannually
Rate History
1 change since Sep 14, 2026 · 3.58% → 3.84% ▲ 0.26 pts · high 3.84% / low 3.58%
- Oct 14, 20263.84%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed Certificate
$500
3.80%
▲ 0.29% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 0.29% above avgNationally 2.88%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
18 Month CD
$500
3.79%
▲ 0.28% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 0.28% above avgNationally 2.88%
Details
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Semiannually
Rate History
1 change since Sep 14, 2026 · 3.53% → 3.79% ▲ 0.26 pts · high 3.79% / low 3.53%
- Oct 14, 20263.79%▲ from 3.53%
- Sep 14, 20263.53%first recorded
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
18 Month CD
$500
3.75%
▲ 0.24% above Idaho avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.51%▲ 0.24% above avgNationally 2.88%
Details
Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 7 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 18 months
$0
3.75%
▲ 0.24% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.51%▲ 0.24% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 3.75% APY
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
CDs & IRA Certificates - 18 Month - One Jump
$0
3.70%
▲ 0.19% above Idaho avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▲ 0.19% above avgNationally 2.88%
Details
One Jump Option: if rates increase within the term, you can jump up to the higher rate for the remainder of the term (one time only per certificate); Not including CD Limited Time offers; Rates Effective as of June 11, 2026
Rate History
No change since Oct 14, 2026 · 3.70% APY
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Share Certificate - 18 Month BUMP
$500
3.30%
▼ 0.21% below Idaho avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▼ 0.21% below avgNationally 2.88%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 3.30% APY
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business Certificate of Deposit - 18 Month Fixed Rate
$100
3.25%
▼ 0.26% below Idaho avg
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▼ 0.26% below avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate - 18 Months
$0
3.25%
▼ 0.26% below Idaho avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▼ 0.26% below avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 2 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Promotional Certificate - 18 Months
$500
3.20%
▼ 0.31% below Idaho avg
▼
Rate3.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▼ 0.31% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Month Certificates of Deposit
$500
2.75%
▼ 0.76% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▼ 0.76% below avgNationally 2.88%
Details
$500 minimum to open; All certificates can be added onto, $200 minimum add on
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 5 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
IRA Certificate - 18 month
$0
2.75%
▼ 0.76% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▼ 0.76% below avgNationally 2.88%
Details
Individual Retirement accounts (IRAs) - deposits allowed
Rate History
No change since Oct 14, 2026 · 2.75% APY
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
18 Month IRA Certificate
$500
2.10%
▼ 1.41% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.51%▼ 1.41% below avgNationally 2.88%
Details
IRA CD .25% Increase (APY); Deposit Amount: $500 +
Rate History
No change since Sep 25, 2026 · 2.10% APY · checked 2 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
18 Month Rewards CD
$500
1.85%
▼ 1.66% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.51%▼ 1.66% below avgNationally 2.88%
Details
Rate History
No change since Sep 12, 2026 · 1.85% APY · checked 5 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
18 Month Share Certificate
$500
1.85%
▼ 1.66% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.51%▼ 1.66% below avgNationally 2.88%
Details
Deposit Amount: $500 +
Rate History
No change since Oct 12, 2026 · 1.85% APY
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
18 Month Standard Certificate
$50,000
1.80%
▼ 1.71% below Idaho avg
▼
Rate1.79%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▼ 1.71% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Standard Certificate - 18 Months
$50,000
1.80%
▼ 1.71% below Idaho avg
▼
Rate1.79%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▼ 1.71% below avgNationally 2.88%
Details
Minimum Deposit tier: $50,000.00
Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
18 Month Standard Certificate
$10,000
1.75%
▼ 1.76% below Idaho avg
▼
Rate1.74%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▼ 1.76% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Standard Certificate - 18 Months
$10,000
1.75%
▼ 1.76% below Idaho avg
▼
Rate1.74%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▼ 1.76% below avgNationally 2.88%
Details
Minimum Deposit tier: $10,000.00
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
18 Month Standard Certificate
$500
1.70%
▼ 1.81% below Idaho avg
▼
Rate1.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▼ 1.81% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.70% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Standard Certificate - 18 Months
$500
1.70%
▼ 1.81% below Idaho avg
▼
Rate1.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▼ 1.81% below avgNationally 2.88%
Details
Minimum Deposit tier: $500.00
Rate History
No change since Sep 18, 2026 · 1.70% APY · checked 5 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
IRA Certificate - 18 month variable
$0
1.00%
▼ 2.51% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▼ 2.51% below avgNationally 2.88%
Details
Individual Retirement accounts (IRAs) - deposits allowed; variable rate
Rate History
No change since Oct 14, 2026 · 1.00% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.76% below Idaho avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▼ 2.76% below avgNationally 2.88%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month Standard CD
$1,000
0.75%
▼ 2.76% below Idaho avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.51%▼ 2.76% below avgNationally 2.88%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Bayview 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
24 Month Certificate
$0
4.50%
▲ 1.11% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.39%▲ 1.11% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
24 Month Certificate
$500
4.45%
▲ 1.06% above Idaho avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.39%▲ 1.06% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
- Oct 5, 20264.45%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$0
4.30%
▲ 0.91% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.91% above avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.40%
- Oct 14, 20264.30%▲ from 3.40%
- Oct 10, 20263.40%▼ from 3.80%
- Sep 14, 20263.80%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Promo CD
$500
4.25%
▲ 0.86% above Idaho avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.39%▲ 0.86% above avgNationally 2.88%
Details
Terms: See Terms
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 9, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
24 Month Term Certificates
$500
4.25%
▲ 0.86% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.86% above avgNationally 2.88%
Details
Minimum $500 deposit; rates are tiered based on deposit amount
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 22, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
IRA Term Certificates - 24 Months
$0
4.25%
▲ 0.86% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.86% above avgNationally 2.88%
Details
Traditional, Roth, SEP; balance $500-$19,999; Minimum $500 deposit
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 22, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$0
4.15%
▲ 0.76% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.76% above avgNationally 2.88%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.65% → 4.15% ▲ 0.50 pts · high 4.15% / low 3.25%
- Oct 14, 20264.15%▲ from 3.25%
- Oct 10, 20263.25%▼ from 3.65%
- Sep 14, 20263.65%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
24 Month Share Certificates
$0
4.10%
▲ 0.71% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.71% above avgNationally 2.88%
Details
Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 24 Months
$0
4.10%
▲ 0.71% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.71% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share Certificates - 2 Years
$0
4.05%
▲ 0.66% above Idaho avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.66% above avgNationally 2.88%
Details
Dividend Term: Monthly; Penalty for early withdrawal applies
Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.60%
- Oct 10, 20264.05%▲ from 3.60%
- Sep 18, 20263.60%▼ from 3.70%
- Sep 14, 20263.70%first recorded
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
24 Month Certificate
$1,000
4.00%
▲ 0.61% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.39%▲ 0.61% above avgNationally 2.88%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 4.00% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$0
4.00%
▲ 0.61% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.61% above avgNationally 2.88%
Details
Balance: $500.00 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.10%
- Oct 14, 20264.00%▲ from 3.10%
- Oct 10, 20263.10%▼ from 3.50%
- Sep 14, 20263.50%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
24 Month Business Certificate
$0
4.00%
▲ 0.61% above Idaho avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.61% above avgNationally 2.88%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
24 Month Jumbo Certificates
$0
4.00%
▲ 0.61% above Idaho avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.61% above avgNationally 2.88%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
24 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
4.00%
▲ 0.61% above Idaho avg
▼
Rate3.94%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.61% above avgNationally 2.88%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificates - 24 Month
$1,000
4.00%
▲ 0.61% above Idaho avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.61% above avgNationally 2.88%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
24 Month Fixed Rate Term Certificate
$0
3.95%
▲ 0.56% above Idaho avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.39%▲ 0.56% above avgNationally 2.88%
Details
All accounts require a minimum balance of $500 to earn APY
Rate History
No change since Oct 12, 2026 · 3.95% APY
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
24 Month IRA Term Certificate
$0
3.95%
▲ 0.56% above Idaho avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.39%▲ 0.56% above avgNationally 2.88%
Details
IRA; minimum balance of $500 to earn APY
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
- Oct 8, 20263.95%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
24 Month ROTH IRA Term Certificate
$0
3.95%
▲ 0.56% above Idaho avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.39%▲ 0.56% above avgNationally 2.88%
Details
Minimum balance to earn APY: $500; Rates as of 10/06/2026
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.95% ▲ 0.35 pts · high 3.95% / low 3.60%
- Oct 8, 20263.95%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Bump Certificate
$500
3.90%
▲ 0.51% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.51% above avgNationally 2.88%
Details
APY tier: min. balance $100,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40%
- Oct 14, 20263.90%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2 Year (24 Month) CD
$500
3.80%
▲ 0.41% above Idaho avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.41% above avgNationally 2.88%
Details
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Fixed Certificate
$500
3.80%
▲ 0.41% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.41% above avgNationally 2.88%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
24 Month Certificate of Deposit
$500
3.80%
▲ 0.41% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.41% above avgNationally 2.88%
Details
Pays quarterly; $500 minimum
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2 Year (24 Month) CD
$500
3.75%
▲ 0.36% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.36% above avgNationally 2.88%
Details
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 14, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 24 months
$0
3.75%
▲ 0.36% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.39%▲ 0.36% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 3.75% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Bump Certificate
$500
3.75%
▲ 0.36% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.36% above avgNationally 2.88%
Details
APY tier: min. balance $50,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
- Oct 14, 20263.75%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
24 Month IRA CD
$500
3.66%
▲ 0.27% above Idaho avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.39%▲ 0.27% above avgNationally 2.88%
Details
Rate History
1 change since Sep 11, 2026 · 3.41% → 3.66% ▲ 0.25 pts · high 3.66% / low 3.41%
- Oct 11, 20263.66%▲ from 3.41%
- Sep 11, 20263.41%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Fixed Certificate
$500
3.65%
▲ 0.26% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.26% above avgNationally 2.88%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 Month IRA
$500
3.61%
▲ 0.22% above Idaho avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.39%▲ 0.22% above avgNationally 2.88%
Details
Balance: $500.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.61% APY
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 24 Month
$1,000
3.61%
▲ 0.22% above Idaho avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.39%▲ 0.22% above avgNationally 2.88%
Details
Balance: $1,000.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.61% APY
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
CDs & IRA Certificates - 2 Year - One Jump
$0
3.60%
▲ 0.21% above Idaho avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.21% above avgNationally 2.88%
Details
One Jump Option: if rates increase within the term, you can jump up to the higher rate for the remainder of the term (one time only per certificate); Not including CD Limited Time offers; Rates Effective as of June 11, 2026
Rate History
No change since Oct 14, 2026 · 3.60% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Bump Certificate
$500
3.60%
▲ 0.21% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.21% above avgNationally 2.88%
Details
APY tier: min. balance $500; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
- Oct 14, 20263.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
24 Month CD
$500
3.50%
▲ 0.11% above Idaho avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.39%▲ 0.11% above avgNationally 2.88%
Details
Rate History
1 change since Sep 11, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 11, 20263.50%▲ from 3.25%
- Sep 11, 20263.25%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Fixed Certificate
$500
3.50%
▲ 0.11% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.11% above avgNationally 2.88%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 24 Month
$500
3.50%
▲ 0.11% above Idaho avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.11% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
Certificate - 24 Month
$100
3.50%
▲ 0.11% above Idaho avg
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.11% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Bump Certificate
$0
3.40%
▲ 0.01% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▲ 0.01% above avgNationally 2.88%
Details
Balance tier: min. balance $100,000; APY* (min. balance $100,000)
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Bump Certificate
$0
3.25%
▼ 0.14% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▼ 0.14% below avgNationally 2.88%
Details
Balance tier: min. balance $50,000; APY* (min. balance $50,000)
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate - 24 Months
$0
3.25%
▼ 0.14% below Idaho avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▼ 0.14% below avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 2 times
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
2 Year Certificate
$0
3.25%
▼ 0.14% below Idaho avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▼ 0.14% below avgNationally 2.88%
Details
$1,000.00 Minimum Balance; Early Withdrawal 90 day Penalty
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
2 Year IRA Certificate
$0
3.25%
▼ 0.14% below Idaho avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▼ 0.14% below avgNationally 2.88%
Details
$1,000.00 Minimum Balance; Early Withdrawal 90 day Penalty
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Promotional Certificate - 24 Months
$500
3.15%
▼ 0.24% below Idaho avg
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▼ 0.24% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Bump Certificate
$0
3.10%
▼ 0.29% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▼ 0.29% below avgNationally 2.88%
Details
Balance tier: min. balance $500; APY* (min. balance $500)
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business Certificate of Deposit - 24 Month Fixed Rate
$100
3.00%
▼ 0.39% below Idaho avg
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▼ 0.39% below avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Share Certificate - 24 Month BUMP
$500
3.00%
▼ 0.39% below Idaho avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▼ 0.39% below avgNationally 2.88%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 3.00% APY
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
24 Month Certificates of Deposit
$500
2.50%
▼ 0.89% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▼ 0.89% below avgNationally 2.88%
Details
$500 minimum to open; All certificates can be added onto, $200 minimum add on
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
IRA Certificate - 24 month
$0
2.50%
▼ 0.89% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.39%▼ 0.89% below avgNationally 2.88%
Details
Individual Retirement accounts (IRAs) - deposits allowed
Rate History
No change since Oct 14, 2026 · 2.50% APY
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
24 Month IRA Certificate
$500
2.15%
▼ 1.24% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.39%▼ 1.24% below avgNationally 2.88%
Details
IRA CD .25% Increase (APY); Deposit Amount: $500 +
Rate History
No change since Sep 25, 2026 · 2.15% APY · checked 2 times
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
24 Month Share Certificate
$1,000
2.02%
▼ 1.37% below Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.39%▼ 1.37% below avgNationally 2.88%
Details
Dividends Paid: Monthly
Rate History
No change since Oct 8, 2026 · 2.02% APY · checked 2 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
24 Month Rewards CD
$500
1.90%
▼ 1.49% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.39%▼ 1.49% below avgNationally 2.88%
Details
Rate History
No change since Sep 12, 2026 · 1.90% APY · checked 5 times
Bayview 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
36 Month Certificate
$500
4.35%
▲ 1.22% above Idaho avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.13%▲ 1.22% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 5, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
36 Month Certificate of Deposit
$500
4.32%
▲ 1.19% above Idaho avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 1.19% above avgNationally 2.81%
Details
Pays quarterly; $500 minimum
Rate History
No change since Sep 14, 2026 · 4.32% APY · checked 6 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 36 months
$0
4.30%
▲ 1.17% above Idaho avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.13%▲ 1.17% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 4.30% APY
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
36 Month Share Certificates
$0
4.20%
▲ 1.07% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 1.07% above avgNationally 2.81%
Details
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 36 Months
$0
4.20%
▲ 1.07% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 1.07% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Oct 10, 20264.20%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
36 Month Fixed Rate Term Certificate
$0
3.85%
▲ 0.72% above Idaho avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.13%▲ 0.72% above avgNationally 2.81%
Details
All accounts require a minimum balance of $500 to earn APY
Rate History
No change since Oct 12, 2026 · 3.85% APY
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
36 Month IRA Term Certificate
$0
3.85%
▲ 0.72% above Idaho avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.13%▲ 0.72% above avgNationally 2.81%
Details
IRA; minimum balance of $500 to earn APY
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
- Oct 8, 20263.85%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
36 Month ROTH IRA Term Certificate
$0
3.85%
▲ 0.72% above Idaho avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.13%▲ 0.72% above avgNationally 2.81%
Details
Minimum balance to earn APY: $500; Rates as of 10/06/2026
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.85% ▲ 0.50 pts · high 3.85% / low 3.35%
- Oct 8, 20263.85%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Year (36 Month) CD
$500
3.80%
▲ 0.67% above Idaho avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.67% above avgNationally 2.81%
Details
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
36 Month Term Certificates
$500
3.80%
▲ 0.67% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.67% above avgNationally 2.81%
Details
Minimum $500 deposit; rates are tiered based on deposit amount
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Year (36 Month) CD
$500
3.75%
▲ 0.62% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.62% above avgNationally 2.81%
Details
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 14, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Accounts
$0
3.75%
▲ 0.62% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.62% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.00%
- Oct 14, 20263.75%▲ from 3.00%
- Oct 10, 20263.00%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
36 Month Business Certificate
$0
3.75%
▲ 0.62% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.62% above avgNationally 2.81%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
36 Month Jumbo Certificates
$0
3.75%
▲ 0.62% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.62% above avgNationally 2.81%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
36 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
3.75%
▲ 0.62% above Idaho avg
▼
Rate3.70%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.62% above avgNationally 2.81%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificates - 36 Month
$1,000
3.75%
▲ 0.62% above Idaho avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.62% above avgNationally 2.81%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month IRA
$500
3.61%
▲ 0.48% above Idaho avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.13%▲ 0.48% above avgNationally 2.81%
Details
Balance: $500.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.61% APY
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 36 Month
$1,000
3.61%
▲ 0.48% above Idaho avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.13%▲ 0.48% above avgNationally 2.81%
Details
Balance: $1,000.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.61% APY
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 36 Month
$500
3.60%
▲ 0.47% above Idaho avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.47% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.60% APY
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
36 Month IRA CD
$500
3.55%
▲ 0.42% above Idaho avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.13%▲ 0.42% above avgNationally 2.81%
Details
Rate History
1 change since Sep 11, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
- Oct 11, 20263.55%▲ from 3.30%
- Sep 11, 20263.30%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Accounts
$0
3.55%
▲ 0.42% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.42% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 2.80%
- Oct 14, 20263.55%▲ from 2.80%
- Oct 10, 20262.80%▼ from 3.05%
- Sep 14, 20263.05%first recorded
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
36 Month Certificate
$1,000
3.50%
▲ 0.37% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.13%▲ 0.37% above avgNationally 2.81%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 3.50% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Bump Certificate
$500
3.50%
▲ 0.37% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.37% above avgNationally 2.81%
Details
APY tier: min. balance $100,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 14, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
36 Month CD
$500
3.40%
▲ 0.27% above Idaho avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.13%▲ 0.27% above avgNationally 2.81%
Details
Rate History
1 change since Sep 11, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Oct 11, 20263.40%▲ from 3.15%
- Sep 11, 20263.15%first recorded
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
CDs & IRA Certificates - 3 Year - One Jump
$0
3.40%
▲ 0.27% above Idaho avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.27% above avgNationally 2.81%
Details
One Jump Option: if rates increase within the term, you can jump up to the higher rate for the remainder of the term (one time only per certificate); Not including CD Limited Time offers; Rates Effective as of June 11, 2026
Rate History
No change since Oct 14, 2026 · 3.40% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Accounts
$0
3.35%
▲ 0.22% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.22% above avgNationally 2.81%
Details
Balance: $500.00 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 2.85% → 3.35% ▲ 0.50 pts · high 3.35% / low 2.60%
- Oct 14, 20263.35%▲ from 2.60%
- Oct 10, 20262.60%▼ from 2.85%
- Sep 14, 20262.85%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Bump Certificate
$500
3.30%
▲ 0.17% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.17% above avgNationally 2.81%
Details
APY tier: min. balance $50,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00%
- Oct 14, 20263.30%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Fixed Certificate
$500
3.25%
▲ 0.12% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.12% above avgNationally 2.81%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate - 36 Months
$0
3.25%
▲ 0.12% above Idaho avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.12% above avgNationally 2.81%
Details
Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 2 times
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Year Certificate
$0
3.25%
▲ 0.12% above Idaho avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.12% above avgNationally 2.81%
Details
$1,000.00 Minimum Balance; Early Withdrawal 90 day Penalty
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Year IRA Certificate
$0
3.25%
▲ 0.12% above Idaho avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▲ 0.12% above avgNationally 2.81%
Details
$1,000.00 Minimum Balance; Early Withdrawal 90 day Penalty
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Bump Certificate
$500
3.10%
▼ 0.03% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 0.03% below avgNationally 2.81%
Details
APY tier: min. balance $500; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Oct 14, 20263.10%▲ from 3.00%
- Sep 14, 20263.00%first recorded
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Promotional Certificate - 36 Months
$500
3.10%
▼ 0.03% below Idaho avg
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 0.03% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Fixed Certificate
$500
3.05%
▼ 0.08% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 0.08% below avgNationally 2.81%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Bump Certificate
$0
3.00%
▼ 0.13% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 0.13% below avgNationally 2.81%
Details
Balance tier: min. balance $100,000; APY* (min. balance $100,000)
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Fixed Certificate
$500
2.85%
▼ 0.28% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 0.28% below avgNationally 2.81%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Bump Certificate
$0
2.80%
▼ 0.33% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 0.33% below avgNationally 2.81%
Details
Balance tier: min. balance $50,000; APY* (min. balance $50,000)
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 7 times
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Share Certificate - 36 Month BUMP
$500
2.75%
▼ 0.38% below Idaho avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 0.38% below avgNationally 2.81%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 2.75% APY
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
Certificate - 36 Month
$100
2.75%
▼ 0.38% below Idaho avg
▼
Rate2.72%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 0.38% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Bump Certificate
$0
2.60%
▼ 0.53% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 0.53% below avgNationally 2.81%
Details
Balance tier: min. balance $500; APY* (min. balance $500)
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 7 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business Certificate of Deposit - 36 Month Fixed Rate
$100
2.50%
▼ 0.63% below Idaho avg
▼
Rate2.47%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 0.63% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 2.50% APY
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
36 Month IRA Certificate
$500
2.35%
▼ 0.78% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.13%▼ 0.78% below avgNationally 2.81%
Details
IRA CD .25% Increase (APY); Deposit Amount: $500 +
Rate History
No change since Sep 25, 2026 · 2.35% APY · checked 2 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
36 Month Rewards CD
$500
2.10%
▼ 1.03% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.13%▼ 1.03% below avgNationally 2.81%
Details
Rate History
No change since Sep 12, 2026 · 2.10% APY · checked 5 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
36 Month Share Certificate
$500
2.10%
▼ 1.03% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.13%▼ 1.03% below avgNationally 2.81%
Details
Deposit Amount: $500 +
Rate History
No change since Oct 12, 2026 · 2.10% APY
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
36 Month Standard Certificate
$50,000
2.00%
▼ 1.13% below Idaho avg
▼
Rate1.99%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 1.13% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Standard Certificate - 36 Months
$50,000
2.00%
▼ 1.13% below Idaho avg
▼
Rate1.99%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 1.13% below avgNationally 2.81%
Details
Minimum Deposit tier: $50,000.00
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
36 Month Standard Certificate
$10,000
1.95%
▼ 1.18% below Idaho avg
▼
Rate1.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 1.18% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 1.95% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Standard Certificate - 36 Months
$10,000
1.95%
▼ 1.18% below Idaho avg
▼
Rate1.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 1.18% below avgNationally 2.81%
Details
Minimum Deposit tier: $10,000.00
Rate History
No change since Sep 18, 2026 · 1.95% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
36 Month Standard Certificate
$500
1.90%
▼ 1.23% below Idaho avg
▼
Rate1.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 1.23% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 1.90% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Standard Certificate - 36 Months
$500
1.90%
▼ 1.23% below Idaho avg
▼
Rate1.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.13%▼ 1.23% below avgNationally 2.81%
Details
Minimum Deposit tier: $500.00
Rate History
No change since Sep 18, 2026 · 1.90% APY · checked 5 times
Bayview 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 48 months
$0
4.40%
▲ 1.32% above Idaho avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.08%▲ 1.32% above avgNationally 2.80%
Details
Rate History
No change since Oct 12, 2026 · 4.40% APY
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
48 Month Certificate
$500
4.35%
▲ 1.27% above Idaho avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.08%▲ 1.27% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 5, 20264.35%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
48 Month Share Certificates
$0
4.20%
▲ 1.12% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 1.12% above avgNationally 2.80%
Details
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 48 Months
$0
4.20%
▲ 1.12% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 1.12% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 10, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
48 Month Term Certificates
$500
3.80%
▲ 0.72% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 0.72% above avgNationally 2.80%
Details
Minimum $500 deposit; rates are tiered based on deposit amount
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
48 Month Fixed Rate Term Certificate
$0
3.75%
▲ 0.67% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.08%▲ 0.67% above avgNationally 2.80%
Details
All accounts require a minimum balance of $500 to earn APY
Rate History
No change since Oct 12, 2026 · 3.75% APY
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
48 Month IRA Term Certificate
$0
3.75%
▲ 0.67% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.08%▲ 0.67% above avgNationally 2.80%
Details
IRA; minimum balance of $500 to earn APY
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
- Oct 8, 20263.75%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
48 Month ROTH IRA Term Certificate
$0
3.75%
▲ 0.67% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.08%▲ 0.67% above avgNationally 2.80%
Details
Minimum balance to earn APY: $500; Rates as of 10/06/2026
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.75% ▲ 0.30 pts · high 3.75% / low 3.45%
- Oct 8, 20263.75%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$0
3.75%
▲ 0.67% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 0.67% above avgNationally 2.80%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.00%
- Oct 14, 20263.75%▲ from 3.00%
- Oct 10, 20263.00%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
48 Month Business Certificate
$0
3.75%
▲ 0.67% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 0.67% above avgNationally 2.80%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
48 Month Jumbo Certificates
$0
3.75%
▲ 0.67% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 0.67% above avgNationally 2.80%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
48 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
3.75%
▲ 0.67% above Idaho avg
▼
Rate3.70%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 0.67% above avgNationally 2.80%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificates - 48 Month
$1,000
3.75%
▲ 0.67% above Idaho avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 0.67% above avgNationally 2.80%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 48 Month
$500
3.60%
▲ 0.52% above Idaho avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 0.52% above avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 3.60% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$0
3.55%
▲ 0.47% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 0.47% above avgNationally 2.80%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 2.80%
- Oct 14, 20263.55%▲ from 2.80%
- Oct 10, 20262.80%▼ from 3.05%
- Sep 14, 20263.05%first recorded
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
48 Month CD
$500
3.50%
▲ 0.42% above Idaho avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.08%▲ 0.42% above avgNationally 2.80%
Details
Rate History
1 change since Sep 11, 2026 · 3.15% → 3.50% ▲ 0.35 pts · high 3.50% / low 3.15%
- Oct 11, 20263.50%▲ from 3.15%
- Sep 11, 20263.15%first recorded
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
48 Month Certificate
$1,000
3.50%
▲ 0.42% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.08%▲ 0.42% above avgNationally 2.80%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 3.50% APY
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
CDs & IRA Certificates - 4 Year - One Jump
$0
3.50%
▲ 0.42% above Idaho avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 0.42% above avgNationally 2.80%
Details
One Jump Option: if rates increase within the term, you can jump up to the higher rate for the remainder of the term (one time only per certificate); Not including CD Limited Time offers; Rates Effective as of June 11, 2026
Rate History
No change since Oct 14, 2026 · 3.50% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Bump Certificate
$500
3.50%
▲ 0.42% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 0.42% above avgNationally 2.80%
Details
APY tier: min. balance $100,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 14, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month IRA
$500
3.45%
▲ 0.37% above Idaho avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.08%▲ 0.37% above avgNationally 2.80%
Details
Balance: $500.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.45% APY
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 48 Month
$0
3.45%
▲ 0.37% above Idaho avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.08%▲ 0.37% above avgNationally 2.80%
Details
Balance: $1,000.00 to $24,999.99
Rate History
No change since Oct 13, 2026 · 3.45% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$0
3.35%
▲ 0.27% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 0.27% above avgNationally 2.80%
Details
Balance: $500.00 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 2.85% → 3.35% ▲ 0.50 pts · high 3.35% / low 2.60%
- Oct 14, 20263.35%▲ from 2.60%
- Oct 10, 20262.60%▼ from 2.85%
- Sep 14, 20262.85%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Bump Certificate
$500
3.30%
▲ 0.22% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 0.22% above avgNationally 2.80%
Details
APY tier: min. balance $50,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00%
- Oct 14, 20263.30%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate - 48 Months
$0
3.30%
▲ 0.22% above Idaho avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 0.22% above avgNationally 2.80%
Details
Rate History
No change since Oct 10, 2026 · 3.30% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Fixed Certificate
$500
3.25%
▲ 0.17% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 0.17% above avgNationally 2.80%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Bump Certificate
$500
3.10%
▲ 0.02% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▲ 0.02% above avgNationally 2.80%
Details
APY tier: min. balance $500; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Oct 14, 20263.10%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Fixed Certificate
$500
3.05%
▼ 0.03% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 0.03% below avgNationally 2.80%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Bump Certificate
$0
3.00%
▼ 0.08% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 0.08% below avgNationally 2.80%
Details
Balance tier: min. balance $100,000; APY* (min. balance $100,000)
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Promotional Certificate - 48 Months
$500
3.00%
▼ 0.08% below Idaho avg
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 0.08% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Fixed Certificate
$500
2.85%
▼ 0.23% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 0.23% below avgNationally 2.80%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Bump Certificate
$0
2.80%
▼ 0.28% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 0.28% below avgNationally 2.80%
Details
Balance tier: min. balance $50,000; APY* (min. balance $50,000)
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 7 times
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Share Certificate - 48 Month BUMP
$500
2.75%
▼ 0.33% below Idaho avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 0.33% below avgNationally 2.80%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 2.75% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Bump Certificate
$0
2.60%
▼ 0.48% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 0.48% below avgNationally 2.80%
Details
Balance tier: min. balance $500; APY* (min. balance $500)
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 7 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business Certificate of Deposit - 48 Month Fixed Rate
$100
2.50%
▼ 0.58% below Idaho avg
▼
Rate2.47%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 0.58% below avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 2.50% APY
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
48 Month IRA Certificate
$500
2.45%
▼ 0.63% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.08%▼ 0.63% below avgNationally 2.80%
Details
IRA CD .25% Increase (APY); Deposit Amount: $500 +
Rate History
No change since Sep 25, 2026 · 2.45% APY · checked 2 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
48 Month Rewards CD
$500
2.20%
▼ 0.88% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.08%▼ 0.88% below avgNationally 2.80%
Details
Rate History
No change since Sep 12, 2026 · 2.20% APY · checked 5 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
48 Month Share Certificate
$500
2.20%
▼ 0.88% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.08%▼ 0.88% below avgNationally 2.80%
Details
Deposit Amount: $500 +
Rate History
No change since Oct 12, 2026 · 2.20% APY
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
48 Month Standard Certificate
$50,000
2.05%
▼ 1.03% below Idaho avg
▼
Rate2.03%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 1.03% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.05% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Standard Certificate - 48 Months
$50,000
2.05%
▼ 1.03% below Idaho avg
▼
Rate2.03%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 1.03% below avgNationally 2.80%
Details
Minimum Deposit tier: $50,000.00
Rate History
No change since Sep 18, 2026 · 2.05% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
48 Month Standard Certificate
$10,000
2.00%
▼ 1.08% below Idaho avg
▼
Rate1.99%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 1.08% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Standard Certificate - 48 Months
$10,000
2.00%
▼ 1.08% below Idaho avg
▼
Rate1.99%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 1.08% below avgNationally 2.80%
Details
Minimum Deposit tier: $10,000.00
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
48 Month Standard Certificate
$500
1.95%
▼ 1.13% below Idaho avg
▼
Rate1.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 1.13% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 1.95% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Standard Certificate - 48 Months
$500
1.95%
▼ 1.13% below Idaho avg
▼
Rate1.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 1.13% below avgNationally 2.80%
Details
Minimum Deposit tier: $500.00
Rate History
No change since Sep 18, 2026 · 1.95% APY · checked 5 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
48 Month Certificates of Deposit
$500
1.25%
▼ 1.83% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 1.83% below avgNationally 2.80%
Details
$500 minimum to open; All certificates can be added onto, $200 minimum add on
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 5 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
IRA Certificate - 48 month
$0
1.25%
▼ 1.83% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 1.83% below avgNationally 2.80%
Details
Individual Retirement accounts (IRAs) - deposits allowed
Rate History
No change since Oct 14, 2026 · 1.25% APY
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month IRA Certificate of Deposit
$0
0.75%
▼ 2.33% below Idaho avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 2.33% below avgNationally 2.80%
Details
Minimum Balance To Obtain APY: $1,000; rates based on zip code
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month Standard CD
$1,000
0.75%
▼ 2.33% below Idaho avg
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.08%▼ 2.33% below avgNationally 2.80%
Details
Balance: up to $100,000.00; Rates for ZIP code 60603
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 5 times
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
48 Month Share Certificate
$1,000
0.40%
▼ 2.68% below Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.08%▼ 2.68% below avgNationally 2.80%
Details
Dividends Paid: Monthly
Rate History
No change since Oct 8, 2026 · 0.40% APY · checked 2 times
Bayview 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 60 months
$0
4.50%
▲ 1.17% above Idaho avg
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.33%▲ 1.17% above avgNationally 2.91%
Details
Rate History
No change since Oct 12, 2026 · 4.50% APY
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
60 Month Certificate
$0
4.50%
▲ 1.17% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 1.17% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Certificate Account
$500
4.50%
▲ 1.17% above Idaho avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 1.17% above avgNationally 2.91%
Details
Dividends credited monthly; early-withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 5, 20264.50%▲ from 4.15%
- Sep 14, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Regular Certificate - 60 Months
$500
4.50%
▲ 1.17% above Idaho avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 1.17% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 5, 20264.50%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
60 Month Certificate
$500
4.40%
▲ 1.07% above Idaho avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 1.07% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 5, 20264.40%▲ from 4.20%
- Sep 14, 20264.20%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Bump-Rate Certificate
$500
4.35%
▲ 1.02% above Idaho avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 1.02% above avgNationally 2.91%
Details
Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 5, 20264.35%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Month Promo CD
$500
4.30%
▲ 0.97% above Idaho avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 0.97% above avgNationally 2.91%
Details
Terms: See Terms
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 9, 20264.30%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
60 Month Share Certificates
$0
4.20%
▲ 0.87% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.87% above avgNationally 2.91%
Details
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 3 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
IRA Certificate - 60 Months
$0
4.20%
▲ 0.87% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.87% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 10, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
5 Year (60 Month) CD
$500
3.80%
▲ 0.47% above Idaho avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.47% above avgNationally 2.91%
Details
Balance: $99,999.01 or more; Daily Balance of; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
60 Month Term Certificates
$500
3.80%
▲ 0.47% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.47% above avgNationally 2.91%
Details
Minimum $500 deposit; rates are tiered based on deposit amount
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
5 Year Certificate of Deposit
$500
3.80%
▲ 0.47% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.47% above avgNationally 2.91%
Details
Pays quarterly; $500 minimum
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
5 Year (60 Month) CD
$500
3.75%
▲ 0.42% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.42% above avgNationally 2.91%
Details
Balance: $500 - $99,999; Daily Balance of; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 14, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
CDs & IRA Certificates - 5 Year - One Jump
$0
3.75%
▲ 0.42% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.42% above avgNationally 2.91%
Details
One Jump Option: if rates increase within the term, you can jump up to the higher rate for the remainder of the term (one time only per certificate); Not including CD Limited Time offers; Rates Effective as of June 11, 2026
Rate History
No change since Oct 14, 2026 · 3.75% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Accounts
$0
3.75%
▲ 0.42% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.42% above avgNationally 2.91%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.00%
- Oct 14, 20263.75%▲ from 3.00%
- Oct 10, 20263.00%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
60 Month Business Certificate
$0
3.75%
▲ 0.42% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.42% above avgNationally 2.91%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
60 Month Jumbo Certificates
$0
3.75%
▲ 0.42% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.42% above avgNationally 2.91%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
60 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$95,000
3.75%
▲ 0.42% above Idaho avg
▼
Rate3.70%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.42% above avgNationally 2.91%
Details
Effective 09/01/2026; $95,000.00 minimum to open a Jumbo Certificate or Jumbo IRA Certificate
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificates - 60 Month
$1,000
3.75%
▲ 0.42% above Idaho avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.42% above avgNationally 2.91%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
60 Month Fixed Rate Term Certificate
$0
3.65%
▲ 0.32% above Idaho avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.33%▲ 0.32% above avgNationally 2.91%
Details
All accounts require a minimum balance of $500 to earn APY
Rate History
No change since Oct 12, 2026 · 3.65% APY
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
60 Month IRA Term Certificate
$0
3.65%
▲ 0.32% above Idaho avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.33%▲ 0.32% above avgNationally 2.91%
Details
IRA; minimum balance of $500 to earn APY
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
- Oct 8, 20263.65%▼ from 3.75%
- Sep 14, 20263.75%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
60 Month ROTH IRA Term Certificate
$0
3.65%
▲ 0.32% above Idaho avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.33%▲ 0.32% above avgNationally 2.91%
Details
Minimum balance to earn APY: $500; Rates as of 10/06/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
- Oct 8, 20263.65%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 60 Month
$500
3.60%
▲ 0.27% above Idaho avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.27% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 3.60% APY
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month IRA
$500
3.55%
▲ 0.22% above Idaho avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 0.22% above avgNationally 2.91%
Details
Balance: $500.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.55% APY
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 60 Month
$1,000
3.55%
▲ 0.22% above Idaho avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 0.22% above avgNationally 2.91%
Details
Balance: 1,000.00 Minimum Opening Deposit
Rate History
No change since Oct 13, 2026 · 3.55% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Accounts
$0
3.55%
▲ 0.22% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.22% above avgNationally 2.91%
Details
Balance: $50,000.00 - $99,999.99
Rate History
2 changes since Sep 14, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 2.80%
- Oct 14, 20263.55%▲ from 2.80%
- Oct 10, 20262.80%▼ from 3.05%
- Sep 14, 20263.05%first recorded
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
60 Month Certificate
$1,000
3.50%
▲ 0.17% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 0.17% above avgNationally 2.91%
Details
$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply
Rate History
No change since Oct 13, 2026 · 3.50% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Bump Certificate
$500
3.50%
▲ 0.17% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.17% above avgNationally 2.91%
Details
APY tier: min. balance $100,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 14, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Accounts
$0
3.35%
▲ 0.02% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.02% above avgNationally 2.91%
Details
Balance: $500.00 - $49,999.99
Rate History
2 changes since Sep 14, 2026 · 2.85% → 3.35% ▲ 0.50 pts · high 3.35% / low 2.60%
- Oct 14, 20263.35%▲ from 2.60%
- Oct 10, 20262.60%▼ from 2.85%
- Sep 14, 20262.85%first recorded
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificate - 60 Months
$0
3.35%
▲ 0.02% above Idaho avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▲ 0.02% above avgNationally 2.91%
Details
Rate History
No change since Oct 10, 2026 · 3.35% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Bump Certificate
$500
3.30%
▼ 0.03% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 0.03% below avgNationally 2.91%
Details
APY tier: min. balance $50,000; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00%
- Oct 14, 20263.30%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Fixed Certificate
$500
3.25%
▼ 0.08% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 0.08% below avgNationally 2.91%
Details
Balance tier: min. balance $100,000
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Bump Certificate
$500
3.10%
▼ 0.23% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 0.23% below avgNationally 2.91%
Details
APY tier: min. balance $500; table not explicitly headed IRA on page
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Oct 14, 20263.10%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Fixed Certificate
$500
3.05%
▼ 0.28% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 0.28% below avgNationally 2.91%
Details
Balance tier: min. balance $50,000
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Bump Certificate
$0
3.00%
▼ 0.33% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 0.33% below avgNationally 2.91%
Details
Balance tier: min. balance $100,000; APY* (min. balance $100,000)
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Promotional Certificate - 60 Months
$500
2.95%
▼ 0.38% below Idaho avg
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 0.38% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Fixed Certificate
$500
2.85%
▼ 0.48% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 0.48% below avgNationally 2.91%
Details
Balance tier: min. balance $500
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Bump Certificate
$0
2.80%
▼ 0.53% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 0.53% below avgNationally 2.91%
Details
Balance tier: min. balance $50,000; APY* (min. balance $50,000)
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 7 times
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Share Certificate - 60 Month BUMP
$500
2.75%
▼ 0.58% below Idaho avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 0.58% below avgNationally 2.91%
Details
Dividends paid monthly
Rate History
No change since Oct 14, 2026 · 2.75% APY
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
60 Month IRA Certificate
$500
2.60%
▼ 0.73% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.33%▼ 0.73% below avgNationally 2.91%
Details
IRA CD .25% Increase (APY); Deposit Amount: $500 +
Rate History
No change since Sep 25, 2026 · 2.60% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Bump Certificate
$0
2.60%
▼ 0.73% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 0.73% below avgNationally 2.91%
Details
Balance tier: min. balance $500; APY* (min. balance $500)
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 7 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business Certificate of Deposit - 60 Month Fixed Rate
$100
2.50%
▼ 0.83% below Idaho avg
▼
Rate2.47%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 0.83% below avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 2.50% APY
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
60 Month Rewards CD
$500
2.35%
▼ 0.98% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.33%▼ 0.98% below avgNationally 2.91%
Details
Rate History
2 changes since Sep 12, 2026 · 2.35% → 2.35% ▼ 0.00 pts · high 2.60% / low 2.35%
- Oct 12, 20262.35%▼ from 2.60%
- Sep 20, 20262.60%▲ from 2.35%
- Sep 12, 20262.35%first recorded
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
60 Month Share Certificate
$500
2.35%
▼ 0.98% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.33%▼ 0.98% below avgNationally 2.91%
Details
Deposit Amount: $500 +
Rate History
No change since Oct 12, 2026 · 2.35% APY
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
60 Month Standard Certificate
$50,000
2.10%
▼ 1.23% below Idaho avg
▼
Rate2.08%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 1.23% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.10% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Standard Certificate - 60 Months
$50,000
2.10%
▼ 1.23% below Idaho avg
▼
Rate2.08%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 1.23% below avgNationally 2.91%
Details
Minimum Deposit tier: $50,000.00
Rate History
No change since Sep 18, 2026 · 2.10% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
60 Month Standard Certificate
$10,000
2.05%
▼ 1.28% below Idaho avg
▼
Rate2.03%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 1.28% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.05% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Standard Certificate - 60 Months
$10,000
2.05%
▼ 1.28% below Idaho avg
▼
Rate2.03%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 1.28% below avgNationally 2.91%
Details
Minimum Deposit tier: $10,000.00
Rate History
No change since Sep 18, 2026 · 2.05% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
60 Month Standard Certificate
$500
2.00%
▼ 1.33% below Idaho avg
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 1.33% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Standard Certificate - 60 Months
$500
2.00%
▼ 1.33% below Idaho avg
▼
Rate1.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Idaho Average3.33%▼ 1.33% below avgNationally 2.91%
Details
Minimum Deposit tier: $500.00
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
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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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Bayview, ID CD Rate Trends
Compare local Bayview, ID 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
3.471%
▲ 0.020 vs 7 days ago
Idaho 12-month CD rates rose 0.020 points over the past 7 days to 3.471% APY.
6-Month CD ID Avg
3.361%
▲ 0.007 vs 7 days ago
Idaho 6-month CD rates rose 0.007 points over the past 7 days to 3.361% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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ID CD Rate Forecast, Next 12 Months
Where are Idaho CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
ID 12-Month Avg APY
3.471%
6-Month Forecast
3.471%
Range: 3.27%, 3.62%
12-Month Forecast
3.721%
Range: 3.52%, 3.87%
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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 | 2.542% | $127.08 | $254.16 | $635.40 | $1,270.80 |
| 6-Month CD | 3.361% | $168.03 | $336.05 | $840.13 | $1,680.25 |
| 12-Month CD | 3.471% | $173.54 | $347.08 | $867.70 | $1,735.40 |
| 18-Month CD | 3.508% | $175.42 | $350.84 | $877.10 | $1,754.20 |
| 24-Month CD | 3.392% | $169.61 | $339.22 | $848.05 | $1,696.10 |
| 36-Month CD | 3.129% | $156.43 | $312.86 | $782.15 | $1,564.30 |
| 48-Month CD | 3.080% | $153.98 | $307.95 | $769.88 | $1,539.75 |
| 60-Month CD | 3.331% | $166.56 | $333.12 | $832.80 | $1,665.60 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Bayview, 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 | 2.542% | $127.08 |
| 2 | 6-Month CD | $5,000 | 3.361% | $168.03 |
| 3 | 12-Month CD | $5,000 | 3.471% | $173.54 |
| 4 | 24-Month CD | $5,000 | 3.392% | $169.61 |
| 5 | 36-Month CD | $5,000 | 3.129% | $156.43 |
| Total ($25,000 invested) | $25,000 | 3.179% blended | $794.69/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.
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434
CD Rates
Tracked in Bayview, Idaho
Tracked in Bayview, Idaho
8 Banks
25 Credit Unions
About Our Bayview, Idaho CD Rate Database
MonitorBankRates tracks 434 CD rates from 8 banks and 25 credit unions with locations in Bayview, 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 to 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 Bayview, Idaho.
How to Find the Best CD Rates in Bayview, Idaho
What to compare when shopping for a CD in Bayview, Idaho
To find the best APYs in Bayview, Idaho, start with credit unions and online-only banks: Bayview, Idaho has 25 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 Bayview, 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 Bayview, Idaho: 33 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Bayview, 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 Bayview, Idaho money market rates
Idaho Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
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
$139/yr
At ID 12-mo avg 3.471% 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 3.471%, saving 10% of the local median salary ($4,017/year) and putting it in a CD would earn an additional $139 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 Bayview, 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 to 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 Bayview, 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 Bayview, 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 Bayview, Idaho as everywhere in the U.S.
Choosing a CD Term in Bayview, 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 Bayview, Idaho savers easier access to their funds. For example, Portage Bank is offering its 6-Month Promo CD at 4.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advantage Plus Federal Credit Union is offering its Share Certificates - 60 months at 4.50% 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 Bayview, 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 Bayview, 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 Bayview, 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 Bayview, 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 Bayview, Idaho
Most CDs carry a fixed rate that is locked for the entire term, protecting a Bayview, 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 Bayview, Idaho
Are CD rates in Bayview, Idaho FDIC insured?
Yes, most established banks in Bayview, 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 Bayview, 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 Bayview, 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 Bayview, 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 Bayview, Idaho?
Here are recent top rates found for this area:
- Gesa Credit Union: 4.60% APY (18 Month Certificate Accounts)
- Advantage Plus Federal Credit Union: 4.50% APY (Share Certificates - 60 months)
- Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
- America First Federal Credit Union: 4.50% APY (60 Month Certificate Account)
- Goldenwest Federal Credit Union: 4.45% APY (24 Month Certificate)
- Horizon Credit Union: 4.38% APY (12 Month IRA)
- Members Preferred Credit Union: 4.32% APY (36 Month Certificate of Deposit)
- Idaho Central Credit Union: 4.30% APY (60 Month Promo CD)
- Westmark Credit Union: 4.25% APY (24 Month Term Certificates)
- Clarity Credit Union: 4.20% APY (Share Certificates - 1 Year)
Rates reflect recent verified offers available in Bayview, Idaho. Last Updated: October 14, 2026
Bayview, 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 Bayview, 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 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Bayview, Idaho
Bayview, 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.
Bayview, Idaho CD LadderID CD rates currently range from 2.542% (3-month) to 3.129% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Bayview, Idaho CD at 4.60% APY, know your exit cost. Most institutions charge 90 to 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 3.471% 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 Bayview, 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 Bayview, 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 Bayview, 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: October 14, 2026
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