MonitorBankRates
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CD Rates Clifton, Idaho (ID) for April 2026

Current Clifton, Idaho CD rates include Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 11.38% offering Youth certificate 60-month youth certificate at 4.09% APY, Numerica Credit UnionNumerica Credit UnionA+5.0 ★Texas Ratio: 2.80% offering 12 month Certificates and IRA Certificates at 4.00% APY, Idaho Central Credit UnionIdaho Central Credit UnionA+5.0 ★Texas Ratio: 4.09% offering 18 Month Promo CD at 3.95% APY, Clarity Credit UnionClarity Credit UnionA5.0 ★Texas Ratio: 9.81% offering 1 Year Share Certificates at 3.85% APY, and Farmers Bank Buhl, IDFarmers Bank Buhl, IDA-5.0 ★Texas Ratio: 15.15% offering 6 Month CD (including Accumulator) at 3.80% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.

Clifton is a smaller community with no bank or credit union branches currently in our database. 80 institutions serving the Idaho area are available to Clifton residents, with CD rates as high as 4.09% APY from Mountain America Federal Credit Union. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 5, 2026

Compare Best CD Rates in Clifton, Idaho & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
3 Month (91 Day) CD
$0
3.60%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Maturity

Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
3 Month CD
$500
3.50%
Rate3.45%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3 Month Certificate
$0
2.53%
Rate2.50%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$1,000.00 Minimum Balance

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Fixed Rate Certificates 3 Month
$0
2.43%
Rate2.40%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3 Month Standard CD
$500
0.30%
Rate0.30%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

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: 4.09%
6 Month Promo CD
$500
3.85%
Rate3.85%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
6 Month CD (including Accumulator)
$500
3.80%
Rate3.74%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
6 Month Certificate
$100
3.75%
Rate3.70%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
6 Month Certificate of Deposit
$0
3.65%
Rate3.59%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Summit National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
6 Month CD
$0
3.64%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
6 Month (182 Day) CD
$0
3.58%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Maturity

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
6 month Certificates and IRA Certificates
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 6 Month Fixed Rate
$0
3.40%
Rate3.34%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
6 Month Certificates or More
$0
3.35%
Rate3.30%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$500

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
6 Month Certificate
$0
3.10%
Rate3.05%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$1,000.00 Minimum Balance

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Fixed Rate Certificates 6 Month
$0
2.53%
Rate2.50%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
12 month Certificates and IRA Certificates
$0
4.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
12 Month Promo CD
$500
3.90%
Rate3.84%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
1 Year Share Certificates
$0
3.85%
Rate3.78%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
12 Month Accumulator IRA
$500
3.80%
Rate3.74%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
12 Month Certificate
$100
3.75%
Rate3.70%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
12 Month IRA
$500
3.66%
Rate3.60%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

$500.00 Minimum Opening Deposit; With .25% Bonus*

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
1 Year (12 Month) CD
$0
3.55%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Maturity

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
12 Month Consumer Certificates and IRA Certificates
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Northwest Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
12 Month Certificate
$0
3.40%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

As high as

Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
12 Month Certificates or More
$0
3.35%
Rate3.30%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$500

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Certificates of Deposit 12 month
$500
3.25%
Rate
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

$500 minimum to open; All certificates can be added onto, $200 minimum add on.

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1 Year Certificate
$0
3.20%
Rate3.15%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$1,000.00 Minimum Balance - Early Withdrawal 30 day Penalty

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Fixed Rate Certificates 12 Month
$0
2.94%
Rate2.90%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

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: 4.09%
18 Month Promo CD
$500
3.95%
Rate3.89%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
Standard certificate 18-month certificate
$0
3.90%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
18 month Certificates and IRA Certificates
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
18 Month Fixed Rate Term Certificates
$0
3.70%
Rate3.64%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

All accounts require a minimum balance of $500 to earn APY*

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Consumer Certificates and IRA Certificates
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
18 Month CD
$0
3.33%
Rate3.30%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Semiannually

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 18 Month Fixed Rate
$0
3.25%
Rate3.20%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 month IRA
$0
2.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Fixed Rate Certificates 18 Month
$0
2.28%
Rate2.25%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

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: 4.09%
24 Month Promo CD
$500
3.80%
Rate3.75%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
24 Month Consumer Certificates and IRA Certificates
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2 Year - One Jump CDs & IRA Certificates
$0
3.60%
Rate3.54%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
24 Month Certificate
$100
3.50%
Rate3.46%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
24 Month Certificates or More
$0
3.35%
Rate3.30%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$500

Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
24 Month IRA CD
$500
3.30%
Rate3.26%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
24 Month IRA
$500
3.25%
Rate3.20%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

$500.00 Minimum Opening Deposit

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 24 Month Fixed Rate
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
2 Year Certificate
$0
2.75%
Rate2.71%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
24 month IRA
$0
2.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Fixed Rate Certificates 24 Month
$0
2.02%
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month Consumer Certificates and IRA Certificates
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
36 Month Certificates or More
$0
3.45%
Rate3.40%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$500

Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
3 Year -- One Jump CDs & IRA Certificates
$0
3.40%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
36 Month IRA CD
$500
3.30%
Rate3.26%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
36 month Certificates and IRA Certificates
$0
3.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
36 Month IRA
$500
3.19%
Rate3.15%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

$500.00 Minimum Opening Deposit

CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
36 Month Certificate
$100
3.00%
Rate2.97%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3 Year Certificate
$0
2.75%
Rate2.71%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 36 Month Fixed Rate
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Fixed Rate Certificates 36 Month
$0
1.51%
Rate1.50%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
36 month IRA
$0
1.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3 Year Standard CD
$500
0.95%
Rate0.95%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
48 Month Consumer Certificates and IRA Certificates
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
4 Year -- One Jump CDs & IRA Certificates
$0
3.50%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
48 Month Certificates or More
$0
3.45%
Rate3.40%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$500

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
48 Month IRA
$500
3.30%
Rate3.25%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

$500.00 Minimum Opening Deposit

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
48 month Certificates and IRA Certificates
$0
3.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
48 Month CD
$500
3.15%
Rate3.11%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 48 Month Fixed Rate
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Fixed Rate Certificates 48 Month
$0
1.41%
Rate1.40%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4 Year Standard CD
$500
1.00%
Rate1.00%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

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: 11.38%
Youth certificate 60-month youth certificate
$0
4.09%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
60 Month Consumer Certificates and IRA Certificates
$0
3.75%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
60 Month Promo CD
$500
3.65%
Rate3.60%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
60 Month Certificates or More
$0
3.45%
Rate3.40%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

$500

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
60 Month IRA
$500
3.35%
Rate3.30%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

$500.00 Minimum Opening Deposit

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
5 Year (60 Month) CD
$0
3.30%
Rate3.30%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Daily Balance of $99,999.01 or more; Payment Frequency: Annually

Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
60 month Certificates and IRA Certificates
$0
3.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
60 month IRA with .25% CD increase option
$0
2.60%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Jumbo Certificates of Deposit - Personal & Business 60 Month Fixed Rate
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
Fixed Rate Certificates 60 Month
$0
1.31%
Rate1.30%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

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.

Clifton, ID CD Rate Trends

Compare local Clifton, 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.

View Full Idaho CD Trends →
12-Month CD — ID Avg
3.019%
▼ 0.124 vs 7 days ago

Idaho 12-month CD rates fell 0.124 points over the past 7 days to 3.019% APY.

6-Month CD — ID Avg
2.938%
▼ 0.031 vs 7 days ago

Idaho 6-month CD rates fell 0.031 points over the past 7 days to 2.938% APY.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Clifton, Idaho

Are CD rates in Clifton, Idaho FDIC insured?

Yes, most established banks in Clifton, 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 Clifton, 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 Clifton, 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 Clifton, 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 Clifton, Idaho?

Here are recent top rates found for this area:
  • Mountain America Federal Credit Union: 4.09% APY (Youth certificate 60-month youth certificate)
  • Numerica Credit Union: 4.00% APY (12 month Certificates and IRA Certificates)
  • Idaho Central Credit Union: 3.95% APY (18 Month Promo CD)
  • Clarity Credit Union: 3.85% APY (1 Year Share Certificates)
  • Farmers Bank Buhl, ID: 3.80% APY (12 Month Accumulator IRA)
  • CUTTING EDGE: 3.75% APY (12 Month Certificate)
  • Technology Credit Union: 3.75% APY (36 Month Consumer Certificates and IRA Certificates)
  • Pioneer Federal Credit Union: 3.70% APY (18 Month Fixed Rate Term Certificates)
  • Horizon Credit Union: 3.66% APY (12 Month IRA)
  • Connections Credit Union: 3.65% APY (6 Month Certificate of Deposit)
Rates reflect recent verified offers available in Clifton, Idaho. Last Updated: April 5, 2026

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Clifton, Idaho directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Clifton, 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: April 5, 2026