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Boise, Idaho Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Boise, Idaho CD rates include America First Federal Credit UnionAmerica First Federal Credit Union11292 W Fairview Ave, Boise, ID 83713A5.0 ★Texas Ratio: 7.35%Real return: +1.50%APY minus CPI (February 2026) offering 60 Month Certificate at 4.30% APY, Mountain America Federal Credit UnionMountain America Federal Credit Union10440 W Ustick Rd, Boise, ID 83704 5268A5.0 ★Texas Ratio: 7.84%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month Certificate at 4.25% APY, Westmark Credit UnionWestmark Credit Union871 E Parkcenter Blvd, Boise, ID 83706A+5.0 ★Texas Ratio: 3.06%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month IRA Term Certificate at 4.25% APY, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union355 S 3rd St, Boise, ID 83702 7689A+5.0 ★Texas Ratio: 2.32%Real return: +1.40%APY minus CPI (February 2026) offering 60 Month Certificate at 4.20% APY, and Idaho Central Credit UnionIdaho Central Credit Union401 W Front St, Boise, ID 83702 5157A+5.0 ★Texas Ratio: 4.25%Real return: +1.40%APY minus CPI (February 2026) offering 18 Month Promo CD at 4.20% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Boise has 153 local institutions in our database, with CD rates as high as 4.30% APY from America First Federal Credit Union at 11292 W Fairview Ave, Boise, ID 83713. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Idaho area. 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: September 22, 2026
Compare Best CD Rates in Boise, Idaho & the Surrounding Area
Boise 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: 2.32%
355 S 3rd St, Boise, ID 83702 7689
3 Month Certificate
$0
3.90%
▲ 1.84% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.84% above avg
Details
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
1750 W Front St, Boise, ID 83702
Business 90 Day Fixed Rate Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.44% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
90 Day Certificate
$2,500
3.40%
▲ 1.34% above national avg
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.34% above avg
Details
Balance: $25,000.00 to $99,999.99
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
871 E Parkcenter Blvd, Boise, ID 83706
90 Day Term Certificates
$0
1.50%
▼ 0.56% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.56% below avg
Details
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1001 W Idaho St, Boise, ID 83702
3 Month Business Fixed Rate Certificates of Deposit
$0
0.10%
▼ 1.96% below national avg
▼
Rate0.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
$90,000 +
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1001 W Idaho St, Boise, ID 83702
3 Month Fixed Rate Certificates of Deposit
$0
0.10%
▼ 1.96% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.96% below avg
Details
Balance: $90,000 +
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
5161 W Overland Rd, Boise, ID 83705
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
5161 W Overland Rd, Boise, ID 83705
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1001 W Idaho St, Boise, ID 83702
3 Month Business Fixed Rate Certificates of Deposit
$0
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
$1,000 +
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Business Liquid Certificate
$0
3.65%
▲ 1.59% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.59% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Liquid Certificate
$0
3.65%
▲ 1.59% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.59% above avg
Details
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
3 Month (91 Day) CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 3 Month (91 Day) CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
3 Month CD
$0
3.60%
▲ 1.54% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.54% above avg
Details
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
3 Month (91 Day) CD
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 3 Month (91 Day) CD
$0
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month Jumbo Certificates of Deposit
$0
3.51%
▲ 1.45% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.45% above avg
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
3 Month IRA Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Business Certificates
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Consumer Certificates
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Jumbo Certificates or more)
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.44% above avg
Details
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month Certificates of Deposit (CDs)
$0
3.40%
▲ 1.34% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.34% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3 Month Certificate Accounts
$0
3.30%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.24% above avg
Details
Balance: $100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 3 Months
$0
3.30%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.24% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3 Month Certificate Accounts
$0
3.15%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.09% above avg
Details
Balance: $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 3 Months
$0
3.15%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.09% above avg
Details
APY* (min. balance $50,000)
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
90 Day Certificates of Deposit
$500
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
All certificates can be added onto, $200 minimum add on.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3 Month Certificate Accounts
$0
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
Balance: $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 3 Months
$0
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
APY* (min. balance $500)
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
3 Month Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
Early Withdrawal Penalty 30 day Penalty
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
3 Month IRA Certificate
$0
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details
Early Withdrawal Penalty 30 day Penalty
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
3 Month Share Certificates
$0
1.75%
▼ 0.31% below national avg
▼
Rate1.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.31% below avg
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.79%
3 Month Share/IRA Certificates (IRA)
$0
1.65%
▼ 0.41% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.41% below avg
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.79%
3 Month Rewards CD
$0
1.40%
▼ 0.66% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.66% below avg
Details
Rewards CD .25% (with active Rewards Checking)
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.79%
3 Month Share/IRA Certificates
$0
1.40%
▼ 0.66% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.66% below avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Share Certificates - 3 Months
$0
1.25%
▼ 0.81% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.81% below avg
Details
Boise 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
401 W Front St, Boise, ID 83702 5157
6 Month Promo CD
$500
3.95%
▲ 1.19% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.19% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
355 S 3rd St, Boise, ID 83702 7689
6 Month Certificate
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details
Idaho United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
333 N 13TH ST, Boise, ID 83702 5617
6 Month Promo CD
$500
3.90%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details
A penalty will be imposed for early withdrawal. Fees may reduce earnings. No institutional deposits accepted. Insured by NCUA.
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
6 Month Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.94% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
6 Month IRA Term Certificate
$0
3.70%
▲ 0.94% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.94% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
6 Month ROTH IRA Term Certificate
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.84% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
6 Month Promotional certificate
$500
3.51%
▲ 0.75% above national avg
▼
Rate3.46%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.75% above avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
6 Month Smart Step Certificate
$25
3.51%
▲ 0.75% above national avg
▼
Rate3.46%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.75% above avg
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
249 N 9th St, Boise, ID 83702 5710
6 Month Certificate of Deposit
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
1750 W Front St, Boise, ID 83702
Business 6 Month Fixed Rate Certificate
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.64% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
6 Month Certificate
$2,500
3.30%
▲ 0.54% above national avg
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details
Balance: $25,000.00 to $99,999.99
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
871 E Parkcenter Blvd, Boise, ID 83706
180 Day Term Certificates
$0
2.00%
▼ 0.76% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.76% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
6 Month Certificate
$50,000
1.45%
▼ 1.31% below national avg
▼
Rate1.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.31% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
6 Month Standard Certificate
$50,000
1.45%
▼ 1.31% below national avg
▼
Rate1.44%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.31% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
6 Month Certificate
$10,000
1.40%
▼ 1.36% below national avg
▼
Rate1.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.36% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
6 Month Standard Certificate
$10,000
1.40%
▼ 1.36% below national avg
▼
Rate1.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.36% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
6 Month Certificate
$500
1.35%
▼ 1.41% below national avg
▼
Rate1.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.41% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
6 Month Standard Certificate
$500
1.35%
▼ 1.41% below national avg
▼
Rate1.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 1.41% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
5161 W Overland Rd, Boise, ID 83705
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.70% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.70% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
5161 W Overland Rd, Boise, ID 83705
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.71% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.71% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 6 Months
$0
4.10%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.34% above avg
Details
Minimum balance $100,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 6 Months
$0
3.95%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.19% above avg
Details
Minimum balance $50,000
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
6 Month CD (including Accumulator)
$0
3.90%
▲ 1.14% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.14% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 6 Months
$0
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
Minimum balance $500
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
180 Day Certificates of Deposit
$500
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
All certificates can be added onto, $200 minimum add on.
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Month Jumbo Certificates of Deposit
$0
3.61%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.85% above avg
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month BUMP
$500
3.61%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.85% above avg
Details
Dividends Paid: monthly
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
6 Month Certificate Accounts
$0
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Balance: $100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 6 Months
$0
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
APY* (min. balance $100,000)
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
6 Month Share Certificates
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Dividend Term: Monthly
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
6 Month (182 Day) CD
$0
3.58%
▲ 0.82% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.82% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 6 Month (182 Day) CD
$0
3.58%
▲ 0.82% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.82% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
6 Month (182 Day) CD
$0
3.53%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.77% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 6 Month (182 Day) CD
$0
3.53%
▲ 0.77% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.77% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Month Certificates of Deposit (CDs)
$0
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.75% above avg
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6 Month IRA Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month Business Certificates
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month Consumer Certificates
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month Jumbo Certificates or more)
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
6 Month Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
6 Month Certificate
$100
3.50%
▲ 0.74% above national avg
▼
Rate3.46%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
6 Month Certificate Accounts
$0
3.45%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.69% above avg
Details
Balance: $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 6 Months
$0
3.45%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.69% above avg
Details
APY* (min. balance $50,000)
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6 Month Certificate Account
$0
3.45%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.69% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Share Certificates - 6 Months
$0
3.45%
▲ 0.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.69% above avg
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month CERTIFICATES (Includes IRA Certificates)
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.64% above avg
Details
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
6 Month Certificate
$0
3.38%
▲ 0.62% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.62% above avg
Details
APY* is a blended rate.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
6 Month Certificate Accounts
$0
3.30%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details
Balance: $500 - $49,999.99
Boise 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
401 W Front St, Boise, ID 83702 5157
12 Month Promo CD
$500
4.15%
▲ 1.20% above national avg
▼
Rate4.09%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.20% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
355 S 3rd St, Boise, ID 83702 7689
12 Month Certificate
$0
3.95%
▲ 1.00% above national avg
▼
Rate3.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
871 E Parkcenter Blvd, Boise, ID 83706
12 Month IRA Term Certificate
$0
3.95%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.00% above avg
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
871 E Parkcenter Blvd, Boise, ID 83706
12 Month Term Certificates
$0
3.95%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.00% above avg
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
10440 W Ustick Rd, Boise, ID 83704 5268
12 Month Certificate
$0
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
12 Month Certificate
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.90% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
12 Month IRA Term Certificate
$0
3.85%
▲ 0.90% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.90% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
12 Month ROTH IRA Term Certificate
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
355 S 3rd St, Boise, ID 83702 7689
12 Month Flex (regular only)
$0
3.70%
▲ 0.75% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.75% above avg
Details
Term: 12 Month Flex (regular only)
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
249 N 9th St, Boise, ID 83702 5710
1 Year Certificate
$0
3.65%
▲ 0.70% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.70% above avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
1 Year Smart Step Certificates
$25
3.51%
▲ 0.56% above national avg
▼
Rate—
Min Deposit$25
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.56% above avg
Details
You can make deposits into a Smart Step Certificate at any time.
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
1750 W Front St, Boise, ID 83702
Business 12 Month Fixed Rate Certificate
$0
3.40%
▲ 0.45% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.45% above avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
12 Month Promotional certificate
$500
3.40%
▲ 0.45% above national avg
▼
Rate3.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.45% above avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
12 Month Smart Step Certificate
$25
3.40%
▲ 0.45% above national avg
▼
Rate3.36%
Min Deposit$25
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.45% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
12 Month Certificate
$1,000
3.35%
▲ 0.40% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.40% above avg
Details
Balance: $25,000.00 to $99,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
12 Month IRA
$500
3.35%
▲ 0.40% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.40% above avg
Details
Balance: $25,000.00 to $99,999.99
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
12 Month Certificate
$50,000
1.70%
▼ 1.25% below national avg
▼
Rate1.69%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.25% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
12 Month Standard Certificate
$50,000
1.70%
▼ 1.25% below national avg
▼
Rate1.69%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.25% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
12 Month Certificate
$10,000
1.65%
▼ 1.30% below national avg
▼
Rate1.64%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.30% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
12 Month Standard Certificate
$10,000
1.65%
▼ 1.30% below national avg
▼
Rate1.64%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.30% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
12 Month Certificate
$500
1.60%
▼ 1.35% below national avg
▼
Rate1.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.35% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
12 Month Standard Certificate
$500
1.60%
▼ 1.35% below national avg
▼
Rate1.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 1.35% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
5161 W Overland Rd, Boise, ID 83705
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.44% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.44% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
5161 W Overland Rd, Boise, ID 83705
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.45% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.45% below avg
Details
Relationship APY 1.51%. Early withdrawal penalties may apply.
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 12 Months
$0
4.50%
▲ 1.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.55% above avg
Details
Minimum balance $100,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 12 Months
$0
4.35%
▲ 1.40% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.40% above avg
Details
Minimum balance $50,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 12 Months
$0
4.20%
▲ 1.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.25% above avg
Details
Minimum balance $500
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
1 Year Share Certificates
$0
4.15%
▲ 1.20% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.20% above avg
Details
Dividend Term: Monthly
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA Bump CD - 12 Months
$0
4.10%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.15% above avg
Details
APY* (min. balance $100,000)
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month Accumulator IRA
$0
4.06%
▲ 1.11% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.11% above avg
Details
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
1 Year Share Certificates
$0
4.05%
▲ 1.10% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.10% above avg
Details
Dividend Term: Monthly
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
12 Month IRA Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
12 Month Certificate Accounts
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Balance: $100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 12 Months
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
APY* (min. balance $100,000)
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Business Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Certificate
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Consumer Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Jumbo Certificates or more)
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA Bump CD - 12 Months
$0
3.95%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.00% above avg
Details
APY* (min. balance $50,000)
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month CD
$0
3.90%
▲ 0.95% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.95% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
12 Month Certificate Accounts
$0
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details
Balance: $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 12 Months
$0
3.85%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA Bump CD - 12 Months
$0
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
APY* (min. balance $500)
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
12 Month Share Certificates
$0
3.75%
▲ 0.80% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
12 Month Certificate Accounts
$0
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.75% above avg
Details
Balance: $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 12 Months
$0
3.70%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.75% above avg
Details
APY* (min. balance $500)
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month BUMP
$500
3.66%
▲ 0.71% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.71% above avg
Details
Dividends Paid: monthly
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
12 Month Jumbo Certificates of Deposit
$0
3.61%
▲ 0.66% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.66% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
12 Month Certificate
$0
3.60%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.65% above avg
Details
APY* (min. balance $100,000)
Boise 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
401 W Front St, Boise, ID 83702 5157
18 Month Promo CD
$500
4.20%
▲ 1.39% above national avg
▼
Rate4.14%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.39% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
871 E Parkcenter Blvd, Boise, ID 83706
18 Month Term Certificates
$0
4.20%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.39% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
355 S 3rd St, Boise, ID 83702 7689
18 Month Certificate
$0
4.05%
▲ 1.24% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.24% above avg
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
10440 W Ustick Rd, Boise, ID 83704 5268
18 Month Certificate
$0
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
18 Month Certificate
$0
3.90%
▲ 1.09% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.09% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
18 Month IRA Term Certificate
$0
3.90%
▲ 1.09% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.09% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
355 S 3rd St, Boise, ID 83702 7689
18 Month Variable
$0
3.72%
▲ 0.91% above national avg
▼
Rate3.66%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.91% above avg
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
18 Month ROTH IRA Term Certificate
$0
3.70%
▲ 0.89% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.89% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
249 N 9th St, Boise, ID 83702 5710
18 Month - One Jump
$0
3.70%
▲ 0.89% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.89% above avg
Details
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
1750 W Front St, Boise, ID 83702
Business 18 Month Fixed Rate Certificate
$0
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.44% above avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
18 Month Promotional certificate
$500
3.20%
▲ 0.39% above national avg
▼
Rate3.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.39% above avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
18 Month Certificate
$50,000
1.80%
▼ 1.01% below national avg
▼
Rate1.79%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▼ 1.01% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
18 Month Standard Certificate
$50,000
1.80%
▼ 1.01% below national avg
▼
Rate1.79%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▼ 1.01% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
18 Month Certificate
$10,000
1.75%
▼ 1.06% below national avg
▼
Rate1.74%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▼ 1.06% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
18 Month Standard Certificate
$10,000
1.75%
▼ 1.06% below national avg
▼
Rate1.74%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▼ 1.06% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
18 Month Certificate
$500
1.70%
▼ 1.11% below national avg
▼
Rate1.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▼ 1.11% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
18 Month Standard Certificate
$500
1.70%
▼ 1.11% below national avg
▼
Rate1.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▼ 1.11% below avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 18 Months
$0
4.60%
▲ 1.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.79% above avg
Details
Minimum balance $100,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 18 Months
$0
4.45%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.64% above avg
Details
Minimum balance $50,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 18 Months
$0
4.30%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.49% above avg
Details
Minimum balance $500
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
18 Month Certificate Accounts
$0
4.10%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.29% above avg
Details
Balance: $100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 18 Months
$0
4.10%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.29% above avg
Details
APY* (min. balance $100,000)
Ireland Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.57%
18 MONTH CDS
$0
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.19% above avg
Details
AS HIGH AS 4.00% APY*
Ireland Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.57%
18-Month CD
$25,000
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.19% above avg
Details
Annual Percentage Yield (APY) effective September 14, 2026, subject to change. Offer is good at any Ireland Bank Branch. Interest will be compounded quarterly. A penalty may be imposed for early withdrawal. Penalty may reduce earnings on account.
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
18 Month IRA Certificate
$0
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Business Certificates
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Certificate
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Consumer Certificates
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Jumbo Certificates or more)
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.19% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
18 Month Certificate Accounts
$0
3.95%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.14% above avg
Details
Balance: $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 18 Months
$0
3.95%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.14% above avg
Details
APY* (min. balance $50,000)
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
18 Month IRA
$0
3.91%
▲ 1.10% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.10% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
18 Month Certificate Accounts
$0
3.80%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.99% above avg
Details
Balance: $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 18 Months
$0
3.80%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.99% above avg
Details
APY* (min. balance $500)
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
18 Month CD
$0
3.75%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.94% above avg
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
18 Month Share Certificates
$0
3.75%
▲ 0.94% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.94% above avg
Details
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Month Jumbo Certificates of Deposit
$0
3.66%
▲ 0.85% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.85% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month Certificate Account
$0
3.65%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Share Certificates - 18 Months
$0
3.65%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.84% above avg
Details
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
18 Month CD
$0
3.58%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.77% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Semiannually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 18 Month CD
$0
3.58%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.77% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Semiannually
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Month Certificates of Deposit (CDs)
$0
3.56%
▲ 0.75% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.75% above avg
Details
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
18 Month CD
$0
3.53%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.72% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Semiannually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 18 Month CD
$0
3.53%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.72% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Semiannually
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month BUMP
$500
3.30%
▲ 0.49% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.49% above avg
Details
Dividends Paid: monthly
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month CERTIFICATES (Includes IRA Certificates)
$0
3.25%
▲ 0.44% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.44% above avg
Details
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Month Certificates of Deposit
$500
2.75%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 0.06% below avg
Details
All certificates can be added onto, $200 minimum add on.
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 month IRA
$0
2.75%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 0.06% below avg
Details
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
IRA - 18 month
$0
2.75%
▼ 0.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 0.06% below avg
Details
Boise 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: 7.84%
10440 W Ustick Rd, Boise, ID 83704 5268
24 Month Certificate
$0
4.25%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
871 E Parkcenter Blvd, Boise, ID 83706
24 Month IRA Term Certificate
$0
4.25%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
871 E Parkcenter Blvd, Boise, ID 83706
24 Month Term Certificates
$0
4.25%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.42% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
355 S 3rd St, Boise, ID 83702 7689
24 Month Certificate
$0
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
24 Month Certificate
$1,000
4.12%
▲ 1.29% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.29% above avg
Details
With .50% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
24 Month IRA
$500
4.12%
▲ 1.29% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.29% above avg
Details
With .50% Bonus*
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
401 W Front St, Boise, ID 83702 5157
24 Month Promo CD
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
24 Month Certificate
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.92% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
24 Month IRA Term Certificate
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.92% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
24 Month Certificate
$1,000
3.61%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.78% above avg
Details
Balance: $25,000.00 to $99,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
24 Month IRA
$500
3.61%
▲ 0.78% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.78% above avg
Details
With .50% Bonus*; Balance: $25,000.00 to $99,999.99
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
24 Month ROTH IRA Term Certificate
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.77% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
249 N 9th St, Boise, ID 83702 5710
2 Year - One Jump
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
24 Month Promotional certificate
$500
3.15%
▲ 0.32% above national avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.32% above avg
Details
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
1750 W Front St, Boise, ID 83702
Business 24 Month Fixed Rate Certificate
$0
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.17% above avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
24 Month Certificate
$50,000
1.90%
▼ 0.93% below national avg
▼
Rate1.89%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.93% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
24 Month Standard Certificate
$50,000
1.90%
▼ 0.93% below national avg
▼
Rate1.89%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.93% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
24 Month Certificate
$10,000
1.85%
▼ 0.98% below national avg
▼
Rate1.84%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.98% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
24 Month Standard Certificate
$10,000
1.85%
▼ 0.98% below national avg
▼
Rate1.84%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.98% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
24 Month Certificate
$500
1.80%
▼ 1.03% below national avg
▼
Rate1.79%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 1.03% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
24 Month Standard Certificate
$500
1.80%
▼ 1.03% below national avg
▼
Rate1.79%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 1.03% below avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 24 Months
$0
4.30%
▲ 1.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.47% above avg
Details
Minimum balance $100,000
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 24 Months
$0
4.15%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.32% above avg
Details
Minimum balance $50,000
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
24 Month IRA Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 24 Months
$0
4.00%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Minimum balance $500
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Business Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Consumer Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Jumbo Certificates or more)
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA Bump CD - 24 Months
$0
3.90%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
24 Month Certificate Accounts
$0
3.80%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.97% above avg
Details
Balance: $100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 24 Months
$0
3.80%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.97% above avg
Details
APY* (min. balance $100,000)
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
24 MONTH CD
$500
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.97% above avg
Details
PAYS QUARTERLY
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
24 Month Share Certificates
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.92% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA Bump CD - 24 Months
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.92% above avg
Details
APY* (min. balance $50,000)
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
24 Month Certificate Account
$0
3.70%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.87% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Share Certificates - 24 Months
$0
3.70%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.87% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
24 Month Certificate Accounts
$0
3.65%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.82% above avg
Details
Balance: $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 24 Months
$0
3.65%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.82% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA Bump CD - 24 Months
$0
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
APY* (min. balance $500)
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
2 Year Share Certificates
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Dividend Term: Monthly
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2 Year (24 Month) CD
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.72% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 2 Year (24 Month) CD
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.72% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
2 Year (24 Month) CD
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.67% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 2 Year (24 Month) CD
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.67% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
24 Month Certificate Accounts
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
Balance: $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 24 Months
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
APY* (min. balance $500)
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
24 Month Certificate
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
24 Month Certificate
$100
3.50%
▲ 0.67% above national avg
▼
Rate3.46%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
Boise 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: 2.32%
355 S 3rd St, Boise, ID 83702 7689
36 Month Certificate
$0
4.15%
▲ 1.40% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.40% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
36 Month Certificate
$1,000
4.12%
▲ 1.37% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.37% above avg
Details
With .50% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
36 Month IRA
$500
4.12%
▲ 1.37% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.37% above avg
Details
With .50% Bonus*
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
871 E Parkcenter Blvd, Boise, ID 83706
36 Month Term Certificates
$0
3.80%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.05% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
36 Month Certificate
$1,000
3.61%
▲ 0.86% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.86% above avg
Details
Balance: $25,000.00 to $99,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
36 Month IRA
$500
3.61%
▲ 0.86% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.86% above avg
Details
With .50% Bonus*; Balance: $25,000.00 to $99,999.99
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
36 Month Certificate
$0
3.55%
▲ 0.80% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.80% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
36 Month IRA Term Certificate
$0
3.55%
▲ 0.80% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.80% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
249 N 9th St, Boise, ID 83702 5710
3 Year -- One Jump
$0
3.40%
▲ 0.65% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.65% above avg
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
36 Month ROTH IRA Term Certificate
$0
3.35%
▲ 0.60% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.60% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
36 Month Promotional certificate
$500
3.10%
▲ 0.35% above national avg
▼
Rate3.06%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.35% above avg
Details
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
1750 W Front St, Boise, ID 83702
Business 36 Month Fixed Rate Certificate
$0
2.50%
▼ 0.25% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▼ 0.25% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
36 Month Certificate
$50,000
2.00%
▼ 0.75% below national avg
▼
Rate1.99%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.75% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
36 Month Standard Certificate
$50,000
2.00%
▼ 0.75% below national avg
▼
Rate1.99%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.75% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
36 Month Certificate
$10,000
1.95%
▼ 0.80% below national avg
▼
Rate1.94%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.80% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
36 Month Standard Certificate
$10,000
1.95%
▼ 0.80% below national avg
▼
Rate1.94%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.80% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
36 Month Certificate
$500
1.90%
▼ 0.85% below national avg
▼
Rate1.89%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.85% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
36 Month Standard Certificate
$500
1.90%
▼ 0.85% below national avg
▼
Rate1.89%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.85% below avg
Details
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
36 MONTH CD
$500
4.32%
▲ 1.57% above national avg
▼
Rate4.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.57% above avg
Details
PAYS QUARTERLY
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
36 Month Share Certificates
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.00% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 36 Months
$0
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
Minimum balance $100,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
36 Month Business Certificates
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
36 Month Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
36 Month Consumer Certificates
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
36 Month Jumbo Certificates or more)
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
36 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
36 Month Certificate Account
$0
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Share Certificates - 36 Months
$0
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.00% above avg
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
36 Month Certificate
$0
3.60%
▲ 0.85% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.85% above avg
Details
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
3 Year (36 Month) CD
$0
3.55%
▲ 0.80% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.80% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 3 Year (36 Month) CD
$0
3.55%
▲ 0.80% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.80% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 36 Months
$0
3.55%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.80% above avg
Details
Minimum balance $50,000
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
3 Year (36 Month) CD
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.75% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 3 Year (36 Month) CD
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.75% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
36 Month IRA Certificate
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.75% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA Bump CD - 36 Months
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.75% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 36 Months
$0
3.35%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.60% above avg
Details
Minimum balance $500
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
36 Month IRA CD
$0
3.30%
▲ 0.55% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.55% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA Bump CD - 36 Months
$0
3.30%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.55% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
36 Month Certificate Accounts
$0
3.25%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.50% above avg
Details
Balance: $100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 36 Months
$0
3.25%
▲ 0.50% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.50% above avg
Details
APY* (min. balance $100,000)
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
36 Month CERTIFICATES (Includes IRA Certificates)
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.50% above avg
Details
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
3 Year Certificate
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.50% above avg
Details
Early Withdrawal 90 day Penalty
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
3 Year IRA Certificate
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.50% above avg
Details
Early Withdrawal 90 day Penalty
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
36 Month CD
$0
3.15%
▲ 0.40% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.40% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA Bump CD - 36 Months
$0
3.10%
▲ 0.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.35% above avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
36 Month Certificate Accounts
$0
3.05%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.30% above avg
Details
Balance: $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 36 Months
$0
3.05%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.30% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
36 Month Certificate
$0
3.00%
▲ 0.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.25% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Bump CD - 36 Months
$0
3.00%
▲ 0.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.25% above avg
Details
APY* (min. balance $100,000)
Boise 48 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: 2.32%
355 S 3rd St, Boise, ID 83702 7689
48 Month Certificate
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
871 E Parkcenter Blvd, Boise, ID 83706
48 Month Term Certificates
$0
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
48 Month Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.89% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
48 Month IRA Term Certificate
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.89% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
249 N 9th St, Boise, ID 83702 5710
4 Year -- One Jump
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
48 Month ROTH IRA Term Certificate
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.69% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
48 Month Certificate
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.69% above avg
Details
Balance: $1,000.00 to $24,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
48 Month IRA
$500
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.69% above avg
Details
Balance: $25,000.00 to $99,999.99
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
48 Month Promotional certificate
$500
3.00%
▲ 0.24% above national avg
▼
Rate2.97%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
1750 W Front St, Boise, ID 83702
Business 48 Month Fixed Rate Certificate
$0
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.26% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
48 Month Certificate
$50,000
2.05%
▼ 0.71% below national avg
▼
Rate2.03%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.71% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
48 Month Standard Certificate
$50,000
2.05%
▼ 0.71% below national avg
▼
Rate2.03%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.71% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
48 Month Certificate
$10,000
2.00%
▼ 0.76% below national avg
▼
Rate1.99%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.76% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
48 Month Standard Certificate
$10,000
2.00%
▼ 0.76% below national avg
▼
Rate1.99%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.76% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
48 Month Certificate
$500
1.95%
▼ 0.81% below national avg
▼
Rate1.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.81% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
48 Month Standard Certificate
$500
1.95%
▼ 0.81% below national avg
▼
Rate1.94%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.81% below avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
48 Month Certificate Account
$0
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Share Certificates - 48 Months
$0
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.04% above avg
Details
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4 Year Jumbo Certificates of Deposit
$0
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.00% above avg
Details
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
48 Month Share Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 48 Months
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Minimum balance $100,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48 Month Business Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48 Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48 Month Consumer Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48 Month Jumbo Certificates or more)
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4 Year Certificates of Deposit (CDs)
$0
3.66%
▲ 0.90% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.90% above avg
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
48 Month Certificate
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 48 Months
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.79% above avg
Details
Minimum balance $50,000
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
48 Month IRA Certificate
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA Bump CD - 48 Months
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 48 Months
$0
3.35%
▲ 0.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.59% above avg
Details
Minimum balance $500
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA Bump CD - 48 Months
$0
3.30%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details
APY* (min. balance $50,000)
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48 Month CERTIFICATES (Includes IRA Certificates)
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.54% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
48 Month Certificate Accounts
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
Balance: $100,000 and over
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 48 Months
$0
3.25%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details
APY* (min. balance $100,000)
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
48 Month CD
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.39% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA Bump CD - 48 Months
$0
3.10%
▲ 0.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.34% above avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
48 Month Certificate Accounts
$0
3.05%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.29% above avg
Details
Balance: $50,000 - $99,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 48 Months
$0
3.05%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.29% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
48 Month Certificate
$0
3.00%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Bump CD - 48 Months
$0
3.00%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
48 Month Certificate Accounts
$0
2.85%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.09% above avg
Details
Balance: $500 - $49,999.99
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Fixed CD - 48 Months
$0
2.85%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.09% above avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
48 Month Certificate
$0
2.80%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.04% above avg
Details
APY* (min. balance $50,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Bump CD - 48 Months
$0
2.80%
▲ 0.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.04% above avg
Details
APY* (min. balance $50,000)
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month BUMP
$500
2.75%
▼ 0.01% below national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.01% below avg
Details
Dividends Paid: monthly
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
48 Month Certificate
$0
2.60%
▼ 0.16% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.16% below avg
Details
APY* (min. balance $500)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
Bump CD - 48 Months
$0
2.60%
▼ 0.16% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.16% below avg
Details
APY* (min. balance $500)
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.79%
48 Month Share/IRA Certificates (IRA)
$0
2.45%
▼ 0.31% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.31% below avg
Details
Boise 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
11292 W Fairview Ave, Boise, ID 83713
60 Month Certificate
$500
4.30%
▲ 1.47% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
11292 W Fairview Ave, Boise, ID 83713
60 Month Flexible Certificate
$500
4.30%
▲ 1.47% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
11292 W Fairview Ave, Boise, ID 83713
60 Month Regular CD
$500
4.30%
▲ 1.47% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
11292 W Fairview Ave, Boise, ID 83713
60 Month Regular Certificate Accounts
$500
4.30%
▲ 1.47% above national avg
▼
Rate4.22%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.47% above avg
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
10440 W Ustick Rd, Boise, ID 83704 5268
60 Month Certificate
$0
4.25%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.42% above avg
Details
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
355 S 3rd St, Boise, ID 83702 7689
60 Month Certificate
$0
4.20%
▲ 1.37% above national avg
▼
Rate4.12%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.37% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
11292 W Fairview Ave, Boise, ID 83713
60 Month Bump-Rate Certificate Accounts
$500
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
11292 W Fairview Ave, Boise, ID 83713
60 Month Certificate
$500
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
401 W Front St, Boise, ID 83702 5157
60 Month Promo CD
$500
3.90%
▲ 1.07% above national avg
▼
Rate3.84%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details
*APY = Annual Percentage Yield. A penalty may be imposed for early withdrawal. No institutional deposits. Compounding and crediting - Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance. Terms 12 months or greater: Interest will be compounded and credited to the certificate account quarterly, becoming part of the principal balance. Fees may reduce earnings. The interest rate and APY - Annual Percentage Yield may change at any time. Federally insured by the NCUA.
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
871 E Parkcenter Blvd, Boise, ID 83706
60 Month Term Certificates
$0
3.80%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.97% above avg
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
60 Month Certificate
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.92% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
60 Month IRA Term Certificate
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.92% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
249 N 9th St, Boise, ID 83702 5710
5 Year -- One Jump
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.92% above avg
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
5918 W State St, Boise, ID 83703
60 Month ROTH IRA Term Certificate
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.72% above avg
Details
All accounts require a minimum balance of $500 to earn APY*
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
60 Month Certificate
$1,000
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.72% above avg
Details
Balance: $25,000.00 to $99,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12598 W Explorer Dr, Boise, ID 83713 1552
60 Month IRA
$500
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.72% above avg
Details
Balance: $25,000.00 to $99,999.99
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
5 Year Promotional Certificates
$500
3.51%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.68% above avg
Details
Promotional rates offered for a limited time.
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
60 Month Promotional certificate
$500
2.95%
▲ 0.12% above national avg
▼
Rate2.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.12% above avg
Details
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.98%
1750 W Front St, Boise, ID 83702
Business 60 Month Fixed Rate Certificate
$0
2.50%
▼ 0.33% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 0.33% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
60 Month Certificate
$50,000
2.10%
▼ 0.73% below national avg
▼
Rate2.08%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.73% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
60 Month Standard Certificate
$50,000
2.10%
▼ 0.73% below national avg
▼
Rate2.08%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.73% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
60 Month Certificate
$10,000
2.05%
▼ 0.78% below national avg
▼
Rate2.03%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.78% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
60 Month Standard Certificate
$10,000
2.05%
▼ 0.78% below national avg
▼
Rate2.03%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.78% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
60 Month Certificate
$500
2.00%
▼ 0.83% below national avg
▼
Rate1.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.83% below avg
Details
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
12195 W McMillan Rd, Boise, ID 83713 2475
60 Month Standard Certificate
$500
2.00%
▼ 0.83% below national avg
▼
Rate1.99%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.83% below avg
Details
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1001 W Idaho St, Boise, ID 83702
60 Month Business Fixed Rate Certificates of Deposit
$0
0.35%
▼ 2.48% below national avg
▼
Rate0.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 2.48% below avg
Details
$90,000 +
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1001 W Idaho St, Boise, ID 83702
60 Month Fixed Rate Certificates of Deposit
$0
0.35%
▼ 2.48% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 2.48% below avg
Details
Balance: $90,000 +
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1001 W Idaho St, Boise, ID 83702
60 Month Business Fixed Rate Certificates of Deposit
$0
0.30%
▼ 2.53% below national avg
▼
Rate0.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 2.53% below avg
Details
$1,000 +
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
60 Month Certificate Account
$0
3.85%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.02% above avg
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
Share Certificates - 60 Months
$0
3.85%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.02% above avg
Details
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
5 Year Jumbo Certificates of Deposit
$0
3.82%
▲ 0.99% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.99% above avg
Details
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
5 YEARS CD
$500
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.97% above avg
Details
PAYS QUARTERLY
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
60 Month Share Certificates
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.92% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 60 Months
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.92% above avg
Details
Minimum balance $100,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
60 Month Business Certificates
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.92% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
60 Month Certificate
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.92% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
60 Month Consumer Certificates
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.92% above avg
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
60 Month Jumbo Certificates or more)
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.92% above avg
Details
$95,000
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
60 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.92% above avg
Details
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
5 Year Certificates of Deposit (CDs)
$0
3.71%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.88% above avg
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
60 Month Certificate
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.77% above avg
Details
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
5 Year (60 Month) CD
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.72% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 5 Year (60 Month) CD
$0
3.55%
▲ 0.72% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.72% above avg
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 60 Months
$0
3.55%
▲ 0.72% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.72% above avg
Details
Minimum balance $50,000
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
5 Year (60 Month) CD
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.67% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Bell Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.15%
Business 5 Year (60 Month) CD
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.67% above avg
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
60 Month IRA Certificate
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA Bump CD - 60 Months
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.67% above avg
Details
APY* (min. balance $100,000)
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
IRA CD - 60 Months
$0
3.35%
▲ 0.52% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.52% above avg
Details
Minimum balance $500
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
60 Month CERTIFICATES (Includes IRA Certificates)
$0
3.35%
▲ 0.52% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.52% above avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Boise, ID CD Rate Trends
Compare local Boise, 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
2.945%
▲ 0.004 vs 7 days ago
Idaho 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.
6-Month CD ID Avg
2.760%
Unchanged vs 7 days ago
Idaho 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
As of Sep 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
ID CD Rate Forecast, Next 12 Months
Where are Idaho CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
ID 12-Month Avg APY
2.945%
6-Month Forecast
2.945%
Range: 2.75% – 3.10%
12-Month Forecast
3.195%
Range: 3.00% – 3.35%
Powered by
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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 | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for Boise, 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 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/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.
423
CD Rates
Tracked in Boise, Idaho
Tracked in Boise, Idaho
10 Banks
23 Credit Unions
About Our Boise, Idaho CD Rate Database
MonitorBankRates tracks 423 CD rates from 10 banks and 23 credit unions with locations in Boise, Idaho, plus national online institutions available to Idaho residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: America First Federal Credit Union offers a CD at 4.30% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Boise, Idaho.
How to Find the Best CD Rates in Boise, Idaho
What to compare when shopping for a CD in Boise, Idaho
To find the best APYs in Boise, Idaho, start with credit unions and online-only banks: Boise, Idaho has 23 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Boise, 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 Boise, Idaho: 33 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Boise, 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 Boise, Idaho money market rates
Boise, Idaho Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
16.2%
National avg: 17.3%
Median Individual Earnings
$42,312
National avg: $47,340
Poverty Rate
10.6%
National avg: 11.1%
Unemployment Rate
3.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$125/yr
At ID 12-mo avg 2.945% APY
16.2% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.6% reflects a strong local economy. At today’s ID 12-month CD average of 2.945%, saving 10% of the local median salary ($4,231/year) and putting it in a CD would earn an additional $125 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 Boise, Idaho
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Boise, 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 Boise, 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 Boise, Idaho as everywhere in the U.S.
Choosing a CD Term in Boise, 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 Boise, Idaho savers easier access to their funds. For example, Idaho Central Credit Union is offering its 6 Month Promo CD at 3.95% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, America First Federal Credit Union is offering its 60 Month Certificate at 4.30% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Boise, 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 Boise, 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 Boise, 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 Boise, 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 Boise, Idaho
Most CDs carry a fixed rate that is locked for the entire term, protecting a Boise, 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 Boise, Idaho
Are CD rates in Boise, Idaho FDIC insured?
Yes, most established banks in Boise, 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 Boise, 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 Boise, 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 Boise, 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 Boise, Idaho?
Here are recent top rates found for this area:
- America First Federal Credit Union: 4.30% APY (60 Month Certificate)
- Mountain America Federal Credit Union: 4.25% APY (24 Month Certificate)
- Westmark Credit Union: 4.25% APY (24 Month IRA Term Certificate)
- Goldenwest Federal Credit Union: 4.20% APY (60 Month Certificate)
- Idaho Central Credit Union: 4.20% APY (18 Month Promo CD)
- Horizon Credit Union: 4.12% APY (24 Month Certificate)
- Pioneer Federal Credit Union: 3.90% APY (18 Month Certificate)
- Idaho United Credit Union: 3.90% APY (6 Month Promo CD)
- Connections Credit Union: 3.75% APY (5 Year -- One Jump)
- CAPITAL EDUCATORS: 3.51% APY (1 Year Smart Step Certificates)
Rates reflect recent verified offers available in Boise, Idaho. Last Updated: September 22, 2026
Boise, 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 Boise, Idaho rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Boise, Idaho
Boise, Idaho CD Calculator
At today’s ID top rate of 4.30% APY, a $10,000 deposit earns $430 in the first year. Enter your amount to see your exact return.
Boise, Idaho CD LadderID CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Boise, Idaho CD at 4.30% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsIdaho’s average 12-month CD is 2.945% 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 Boise, 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 Boise, 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 Boise, 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: September 22, 2026
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