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CD Rate Trends

Grangeville, Idaho Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Grangeville, Idaho CD rates range from 0.05% to 4.60% APY, verified by MonitorBankRates as of October 13, 2026. Current Grangeville, Idaho CD rates include Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit Union908 W MAIN ST, GRANGEVILLE, ID 83530A+5.0 ★Texas Ratio: 3.49%Real return: +1.40%APY minus CPI (February 2026) offering 36 Month Certificate at 4.20% APY, Wells FargoWells Fargo162 E Main St, Grangeville, ID 83530A+5.0 ★Texas Ratio: 5.36%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate at 1.51% APY, Gesa Credit UnionGesa Credit UnionA5.0 ★Texas Ratio: 6.57%Real return: +1.80%APY minus CPI (February 2026) offering 18 Month IRA CD at 4.60% APY, Advantage Plus Federal Credit UnionAdvantage Plus Federal Credit UnionA+5.0 ★Texas Ratio: 3.01%Real return: +1.70%APY minus CPI (February 2026) offering Share Certificates - 60 months at 4.50% APY, and Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 9.78%Real return: +1.70%APY minus CPI (February 2026) offering 24 Month Certificate at 4.50% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Grangeville has 25 local institutions in our database, with CD rates as high as 4.20% APY from Potlatch No 1 Financial Credit Union at 908 W MAIN ST, GRANGEVILLE, ID 83530. 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: October 13, 2026

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

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Grangeville 3 Month CD Rates

Idaho 3 Month CD Average2.54% APYNational 2.09%▼ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
3 Month Certificate
$0
1.25% ▼ 1.29% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average2.54%▼ 1.29% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
3 Month IRA Certificate
$0
1.25% ▼ 1.29% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average2.54%▼ 1.29% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Sep 18, 2026: 1.25% APYSep 18, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
162 E Main St, Grangeville, ID 83530
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.48% below Idaho avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average2.54%▼ 2.48% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
162 E Main St, Grangeville, ID 83530
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.48% below Idaho avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average2.54%▼ 2.48% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
162 E Main St, Grangeville, ID 83530
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.49% below Idaho avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average2.54%▼ 2.49% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Certificate
$500
3.90% ▲ 1.36% above Idaho avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average2.54%▲ 1.36% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Business Liquid Certificate
$0
3.65% ▲ 1.11% above Idaho avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average2.54%▲ 1.11% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Liquid Certificate
$0
3.65% ▲ 1.11% above Idaho avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average2.54%▲ 1.11% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month (91 Day) CD
$0
3.60% ▲ 1.06% above Idaho avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average2.54%▲ 1.06% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
3 Month CD
$500
3.60% ▲ 1.06% above Idaho avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average2.54%▲ 1.06% above avgNationally 2.09%
Details

Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 11, 2026: 3.60% APYSep 11, 2026Oct 14, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Month (91 Day) CD
$0
3.55% ▲ 1.01% above Idaho avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average2.54%▲ 1.01% above avgNationally 2.09%
Details

Balance: $500 - $99,999; Payment Frequency: Maturity

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month Jumbo Certificates of Deposit
$0
3.51% ▲ 0.97% above Idaho avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average2.54%▲ 0.97% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 19, 2026: 3.51% APYSep 19, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 3 Months
$0
3.51% ▲ 0.97% above Idaho avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average2.54%▲ 0.97% above avgNationally 2.09%
Details

Rate History
1 change since Sep 19, 2026 · 3.40% → 3.51% ▲ 0.11 pts · high 3.51% / low 3.40%
2.90%3.46%4.01%Sep 19, 2026: 3.40% APYOct 7, 2026: 3.51% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20263.51%▲ from 3.40%
  • Sep 19, 20263.40%first recorded
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 90 Day Fixed Rate CD
$0
3.50% ▲ 0.96% above Idaho avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average2.54%▲ 0.96% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
3 Month Certificate
$1,000
3.50% ▲ 0.96% above Idaho avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average2.54%▲ 0.96% above avgNationally 2.09%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Consumer Certificates and IRA Certificates
$0
3.50% ▲ 0.96% above Idaho avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average2.54%▲ 0.96% above avgNationally 2.09%
Details

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.50% ▲ 0.96% above Idaho avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average2.54%▲ 0.96% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificates or more - 3 Month
$0
3.50% ▲ 0.96% above Idaho avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average2.54%▲ 0.96% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
3 Month Certificate
$0
3.40% ▲ 0.86% above Idaho avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average2.54%▲ 0.86% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 19, 2026: 3.40% APYSep 19, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 3 Months
$0
3.40% ▲ 0.86% above Idaho avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average2.54%▲ 0.86% above avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 19, 2026: 3.40% APYSep 19, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 90 Day
$2,500
3.40% ▲ 0.86% above Idaho avg
View
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average2.54%▲ 0.86% above avgNationally 2.09%
Details

Balance: $2,500 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed CD
$0
3.30% ▲ 0.76% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average2.54%▲ 0.76% above avgNationally 2.09%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed CD
$0
3.15% ▲ 0.61% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average2.54%▲ 0.61% above avgNationally 2.09%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
90 Day Certificate of Deposit
$500
3.00% ▲ 0.46% above Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average2.54%▲ 0.46% above avgNationally 2.09%
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed CD
$0
3.00% ▲ 0.46% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average2.54%▲ 0.46% above avgNationally 2.09%
Details

APY* (min. balance $500)

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Month Certificate
$0
3.00% ▲ 0.46% above Idaho avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average2.54%▲ 0.46% above avgNationally 2.09%
Details

Early Withdrawal 30 day Penalty

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Month IRA Certificate
$0
3.00% ▲ 0.46% above Idaho avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average2.54%▲ 0.46% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 3 months
$0
1.75% ▼ 0.79% below Idaho avg
View
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average2.54%▼ 0.79% below avgNationally 2.09%
Details

Interest Rate column shown as Interest Rate; APY* column shown as APY*

Rate History
No change since Oct 12, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 12, 2026: 1.75% APYOct 12, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
3 Month IRA Certificate
$500
1.65% ▼ 0.89% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average2.54%▼ 0.89% below avgNationally 2.09%
Details

IRA CD .25% Increase (APY); Deposit Amount: $500 +; Compounded/Paid: Monthly/Monthly

Rate History
No change since Sep 25, 2026 · 1.65% APY · checked 2 times
1.15%1.65%2.15%Sep 25, 2026: 1.65% APYSep 25, 2026Oct 14, 2026
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
90 Day Term Certificate
$0
1.50% ▼ 1.04% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average2.54%▼ 1.04% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
3 Month Rewards CD
$500
1.40% ▼ 1.14% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average2.54%▼ 1.14% below avgNationally 2.09%
Details

Compound/Paid: Monthly/Monthly

Rate History
No change since Sep 12, 2026 · 1.40% APY · checked 6 times
0.90%1.40%1.90%Sep 12, 2026: 1.40% APYSep 12, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
3 Month Share Certificate
$500
1.40% ▼ 1.14% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average2.54%▼ 1.14% below avgNationally 2.09%
Details

Deposit Amount: $500 +; Compounded/Paid: Monthly/Monthly

Rate History
No change since Oct 12, 2026 · 1.40% APY
0.90%1.40%1.90%Oct 12, 2026: 1.40% APYOct 12, 2026Oct 14, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$0
0.10% ▼ 2.44% below Idaho avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average2.54%▼ 2.44% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 14, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.10% ▼ 2.44% below Idaho avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average2.54%▼ 2.44% below avgNationally 2.09%
Details

Balance: $90,000 +

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 14, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Business Fixed Rate Certificates of Deposit
$0
0.05% ▼ 2.49% below Idaho avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average2.54%▼ 2.49% below avgNationally 2.09%
Details

Balance: $1,000 - $90,000

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$0
0.05% ▼ 2.49% below Idaho avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average2.54%▼ 2.49% below avgNationally 2.09%
Details

Balance: $1,000 +

Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYOct 7, 2026: 0.05% APYSep 24, 2026Oct 14, 2026
  • Oct 7, 20260.05%▼ from 0.10%
  • Sep 24, 20260.10%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month IRA Certificates
$0
0.05% ▼ 2.49% below Idaho avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average2.54%▼ 2.49% below avgNationally 2.09%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 6, 2026: 0.05% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month Standard CD
$0
0.05% ▼ 2.49% below Idaho avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average2.54%▼ 2.49% below avgNationally 2.09%
Details

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026

Grangeville 6 Month CD Rates

Idaho 6 Month CD Average3.36% APYNational 2.77%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
6 Month Certificate
$0
3.70% ▲ 0.34% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.34% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.70%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
6 Month IRA Certificate
$0
3.70% ▲ 0.34% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.34% above avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Sep 18, 2026: 3.45% APYOct 10, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.70%▲ from 3.45%
  • Sep 18, 20263.45%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
162 E Main St, Grangeville, ID 83530
6 month Standard Fixed Rate
$2,500
0.06% ▼ 3.30% below Idaho avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.36%▼ 3.30% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
162 E Main St, Grangeville, ID 83530
6 month Standard Interest Rate
$2,500
0.06% ▼ 3.30% below Idaho avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.36%▼ 3.30% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
162 E Main St, Grangeville, ID 83530
6 month Standard Fixed Rate
$2,500
0.05% ▼ 3.31% below Idaho avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.36%▼ 3.31% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
Portage Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
6-Month Promo CD
$10,000
4.15% ▲ 0.79% above Idaho avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▲ 0.79% above avgNationally 2.77%
Details

Promotional; available only October 6th-December 31st, 2026; new deposits only; $10,000-$1,000,000 to open; renews once at 3.65% (3.68% APY) for same 6-month term

Rate History
1 change since Sep 30, 2026 · 4.04% → 4.15% ▲ 0.11 pts · high 4.15% / low 4.04%
3.54%4.10%4.65%Sep 30, 2026: 4.04% APYOct 8, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
  • Oct 8, 20264.15%▲ from 4.04%
  • Sep 30, 20264.04%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month IRA CD
$0
4.10% ▲ 0.74% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.74% above avgNationally 2.77%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6 Month Certificate
$500
4.00% ▲ 0.64% above Idaho avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.36%▲ 0.64% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
3.40%3.95%4.50%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.00%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Promo CD
$500
3.95% ▲ 0.59% above Idaho avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.36%▲ 0.59% above avgNationally 2.77%
Details

Terms: See Terms

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month IRA CD
$0
3.95% ▲ 0.59% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.59% above avgNationally 2.77%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
6 Month CD (including Accumulator)
$500
3.90% ▲ 0.54% above Idaho avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.36%▲ 0.54% above avgNationally 2.77%
Details

Rate History
No change since Sep 11, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 11, 2026: 3.90% APYSep 11, 2026Oct 14, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
6 Month Fixed Rate Term Certificate
$0
3.90% ▲ 0.54% above Idaho avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▲ 0.54% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 12, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 12, 2026: 3.90% APYOct 12, 2026Oct 14, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
6 Month IRA Term Certificate
$0
3.90% ▲ 0.54% above Idaho avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▲ 0.54% above avgNationally 2.77%
Details

IRA; minimum balance of $500 to earn APY

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
3.20%3.80%4.40%Sep 14, 2026: 3.70% APYOct 8, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.90%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
6 Month ROTH IRA Term Certificate
$0
3.90% ▲ 0.54% above Idaho avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▲ 0.54% above avgNationally 2.77%
Details

Minimum balance to earn APY: $500; Rates as of 10/06/2026

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
3.10%3.75%4.40%Sep 14, 2026: 3.60% APYOct 8, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.90%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Idaho United Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
6 Month Promo CD
$500
3.90% ▲ 0.54% above Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.54% above avgNationally 2.77%
Details

Rates are accurate as of March 30, 2026, and are fixed for the term of the certificate. A penalty will be imposed for early withdrawal. Fees may reduce earnings. No institutional deposits accepted. Insured by NCUA.

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
6 Month Limited Time Certificate Special
$500
3.85% ▲ 0.49% above Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▲ 0.49% above avgNationally 2.77%
Details

APY for 6-month term; New money is required; Penalty for early withdrawal; Limited time offer; Certain membership qualifications may apply

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 14, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Share Certificate
$500
3.82% ▲ 0.46% above Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▲ 0.46% above avgNationally 2.77%
Details

Dividends Paid: Monthly

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month IRA CD
$0
3.80% ▲ 0.44% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.44% above avgNationally 2.77%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
180 Day Certificate of Deposit
$500
3.75% ▲ 0.39% above Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.36%▲ 0.39% above avgNationally 2.77%
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6 Month Share Certificates
$0
3.70% ▲ 0.34% above Idaho avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.34% above avgNationally 2.77%
Details

Rate History
2 changes since Sep 14, 2026 · 3.70% → 3.70% ▼ 0.00 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.60% APYOct 10, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▼ from 3.70%
  • Sep 14, 20263.70%first recorded
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Month Jumbo Certificates of Deposit
$0
3.61% ▲ 0.25% above Idaho avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.36%▲ 0.25% above avgNationally 2.77%
Details

Rate History
No change since Sep 19, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 19, 2026: 3.61% APYSep 19, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 6 Months
$0
3.61% ▲ 0.25% above Idaho avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.36%▲ 0.25% above avgNationally 2.77%
Details

Rate History
1 change since Sep 19, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51%
3.01%3.56%4.11%Sep 19, 2026: 3.51% APYOct 7, 2026: 3.61% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20263.61%▲ from 3.51%
  • Sep 19, 20263.51%first recorded
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
6 Month BUMP
$500
3.61% ▲ 0.25% above Idaho avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.25% above avgNationally 2.77%
Details

Rate History
No change since Sep 22, 2026 · 3.61% APY · checked 4 times
3.11%3.61%4.11%Sep 22, 2026: 3.61% APYSep 22, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Fixed CD
$0
3.60% ▲ 0.24% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.24% above avgNationally 2.77%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6 Month (182 Day) CD
$0
3.58% ▲ 0.22% above Idaho avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.36%▲ 0.22% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 4 times
3.08%3.58%4.08%Sep 14, 2026: 3.58% APYSep 14, 2026Oct 14, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
6 Month (182 Day) CD
$0
3.53% ▲ 0.17% above Idaho avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.36%▲ 0.17% above avgNationally 2.77%
Details

Balance: $500 - $99,999; Payment Frequency: Maturity

Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 4 times
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
6 Month Certificate
$0
3.51% ▲ 0.15% above Idaho avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.36%▲ 0.15% above avgNationally 2.77%
Details

Rate History
No change since Sep 19, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 19, 2026: 3.51% APYSep 19, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 6 Months
$0
3.51% ▲ 0.15% above Idaho avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.36%▲ 0.15% above avgNationally 2.77%
Details

Rate History
No change since Sep 19, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 19, 2026: 3.51% APYSep 19, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
6 Month Promotional Certificate
$500
3.51% ▲ 0.15% above Idaho avg
View
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.15% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
6 Month Smart Step Certificate
$25
3.51% ▲ 0.15% above Idaho avg
View
▼
Rate3.46%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.15% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Oct 14, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
6 Month Certificate
$1,000
3.50% ▲ 0.14% above Idaho avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.36%▲ 0.14% above avgNationally 2.77%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
6 Month Certificate of Deposit
$0
3.50% ▲ 0.14% above Idaho avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.14% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6 Month Consumer Certificates and IRA Certificates
$0
3.50% ▲ 0.14% above Idaho avg
View
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.14% above avgNationally 2.77%
Details

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
6 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.50% ▲ 0.14% above Idaho avg
View
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.14% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificates or more - 6 Month
$0
3.50% ▲ 0.14% above Idaho avg
View
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.14% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
6 Month Certificate
$0
3.50% ▲ 0.14% above Idaho avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.14% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
6 Month Certificate
$100
3.50% ▲ 0.14% above Idaho avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.14% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Fixed CD
$0
3.45% ▲ 0.09% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.09% above avgNationally 2.77%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 18, 2026Oct 14, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 6 Month Fixed Rate CD
$0
3.40% ▲ 0.04% above Idaho avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.36%▲ 0.04% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 7, 2026: 3.40% APYOct 7, 2026Oct 14, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6 Month Certificate
$0
3.40% ▲ 0.04% above Idaho avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▲ 0.04% above avgNationally 2.77%
Details

Rate History
No change since Oct 10, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 10, 2026: 3.40% APYOct 10, 2026Oct 14, 2026
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
6 Month Certificates of Deposit - Regular
$0
3.35% ▼ 0.01% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▼ 0.01% below avgNationally 2.77%
Details

Published APY range: 3.35% - 3.378%. APY* - Rate is a range, use lowest number for minimum_balance

Rate History
No change since Oct 10, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 10, 2026: 3.35% APYOct 10, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 6 Month
$2,500
3.30% ▼ 0.06% below Idaho avg
View
▼
Rate3.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.36%▼ 0.06% below avgNationally 2.77%
Details

Balance: $2,500 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Fixed CD
$0
3.30% ▼ 0.06% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▼ 0.06% below avgNationally 2.77%
Details

APY* (min. balance $500)

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 6 months
$0
3.25% ▼ 0.11% below Idaho avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▼ 0.11% below avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 14, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
6 Month Certificate
$0
3.10% ▼ 0.26% below Idaho avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▼ 0.26% below avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 14, 2026
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
180 Day Term Certificate
$0
2.00% ▼ 1.36% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▼ 1.36% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
6 Month IRA Certificate
$500
1.65% ▼ 1.71% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▼ 1.71% below avgNationally 2.77%
Details

IRA CD .25% Increase (APY); Deposit Amount: $500 +

Rate History
No change since Sep 25, 2026 · 1.65% APY · checked 2 times
1.15%1.65%2.15%Sep 25, 2026: 1.65% APYSep 25, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
6 Month Certificate
$50,000
1.45% ▼ 1.91% below Idaho avg
View
▼
Rate1.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.36%▼ 1.91% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 1.45% APY · checked 3 times
0.95%1.45%1.95%Sep 14, 2026: 1.45% APYSep 14, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
6 Month Rewards CD
$500
1.40% ▼ 1.96% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▼ 1.96% below avgNationally 2.77%
Details

Rate History
No change since Sep 12, 2026 · 1.40% APY · checked 5 times
0.90%1.40%1.90%Sep 12, 2026: 1.40% APYSep 12, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
6 Month Share Certificate
$500
1.40% ▼ 1.96% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.36%▼ 1.96% below avgNationally 2.77%
Details

Deposit Amount: $500 +

Rate History
No change since Oct 12, 2026 · 1.40% APY
0.90%1.40%1.90%Oct 12, 2026: 1.40% APYOct 12, 2026Oct 14, 2026

Grangeville 12 Month CD Rates

Idaho 12 Month CD Average3.47% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
12 Month Certificate
$0
3.90% ▲ 0.43% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.43% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
3.05%3.73%4.40%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.90%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
12 Month IRA Certificate
$0
3.90% ▲ 0.43% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.43% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
3.05%3.73%4.40%Sep 18, 2026: 3.55% APYOct 10, 2026: 3.90% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20263.90%▲ from 3.55%
  • Sep 18, 20263.55%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
162 E Main St, Grangeville, ID 83530
1 year Standard Fixed Rate
$2,500
1.51% ▼ 1.96% below Idaho avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.47%▼ 1.96% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
1.00%1.51%2.01%Sep 14, 2026: 1.50% APYOct 7, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20261.51%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
162 E Main St, Grangeville, ID 83530
1 year Standard Interest Rate
$2,500
1.51% ▼ 1.96% below Idaho avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.47%▼ 1.96% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99; Relationship APY 1.51%

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
162 E Main St, Grangeville, ID 83530
1 year Standard Fixed Rate
$2,500
1.50% ▼ 1.97% below Idaho avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.47%▼ 1.97% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month IRA CD
$0
4.50% ▲ 1.03% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 1.03% above avgNationally 2.99%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month IRA
$500
4.38% ▲ 0.91% above Idaho avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.47%▲ 0.91% above avgNationally 2.99%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 4.38% APY
3.88%4.38%4.88%Oct 13, 2026: 4.38% APYOct 13, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 12 Month
$1,000
4.38% ▲ 0.91% above Idaho avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.47%▲ 0.91% above avgNationally 2.99%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 4.38% APY
3.88%4.38%4.88%Oct 13, 2026: 4.38% APYOct 13, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month IRA CD
$0
4.35% ▲ 0.88% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.88% above avgNationally 2.99%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 14, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month IRA CD
$0
4.20% ▲ 0.73% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.73% above avgNationally 2.99%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1 Year Share Certificates
$0
4.20% ▲ 0.73% above Idaho avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.73% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYSep 18, 2026: 4.15% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.20%▲ from 4.15%
  • Sep 18, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Promo CD
$500
4.15% ▲ 0.68% above Idaho avg
View
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.47%▲ 0.68% above avgNationally 2.99%
Details

Terms: See Terms

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 12 Months
$0
4.10% ▲ 0.63% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.63% above avgNationally 2.99%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1 Year Share Certificates
$0
4.10% ▲ 0.63% above Idaho avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.63% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYSep 18, 2026: 4.05% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 4.05%
  • Sep 18, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month Accumulator IRA
$500
4.06% ▲ 0.59% above Idaho avg
View
▼
Rate3.99%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.47%▲ 0.59% above avgNationally 2.99%
Details

Rate History
No change since Sep 11, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 11, 2026: 4.06% APYSep 11, 2026Oct 14, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
12 Month Certificate
$0
4.05% ▲ 0.58% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.47%▲ 0.58% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 Month Certificate
$500
4.05% ▲ 0.58% above Idaho avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.47%▲ 0.58% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 14, 2026: 3.95% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.05%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
12 Month Fixed Rate Term Certificate
$0
4.00% ▲ 0.53% above Idaho avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
12 Month IRA Term Certificate
$0
4.00% ▲ 0.53% above Idaho avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details

IRA; minimum balance of $500 to earn APY

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85%
3.35%3.93%4.50%Sep 14, 2026: 3.85% APYOct 8, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.00%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
12 Month ROTH IRA Term Certificate
$0
4.00% ▲ 0.53% above Idaho avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details

Minimum balance to earn APY: $500; Rates as of 10/06/2026

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 8, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
12 Month Certificate
$1,000
4.00% ▲ 0.53% above Idaho avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Fixed CD
$0
4.00% ▲ 0.53% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
12 Month Consumer Certificates and IRA Certificates
$0
4.00% ▲ 0.53% above Idaho avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
12 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 0.53% above Idaho avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificates or more - 12 Month
$0
4.00% ▲ 0.53% above Idaho avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.53% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 12 Months
$0
3.95% ▲ 0.48% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.48% above avgNationally 2.99%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
12 Month IRA Term Certificate
$0
3.95% ▲ 0.48% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 14, 2026
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
12 Month Term Certificate
$0
3.95% ▲ 0.48% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month CD
$500
3.90% ▲ 0.43% above Idaho avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.47%▲ 0.43% above avgNationally 2.99%
Details

Rate History
No change since Sep 11, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 11, 2026: 3.90% APYSep 11, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Fixed CD
$0
3.85% ▲ 0.38% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.38% above avgNationally 2.99%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 14, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 Month Flex Certificate
$50
3.80% ▲ 0.33% above Idaho avg
View
▼
Rate3.74%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.47%▲ 0.33% above avgNationally 2.99%
Details

Regular only; maximum $250,000 per account

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 12 Months
$0
3.80% ▲ 0.33% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.33% above avgNationally 2.99%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 12 months
$0
3.75% ▲ 0.28% above Idaho avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.47%▲ 0.28% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Fixed CD
$0
3.70% ▲ 0.23% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.23% above avgNationally 2.99%
Details

APY* (min. balance $500)

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
12 Month BUMP
$500
3.66% ▲ 0.19% above Idaho avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.19% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 22, 2026: 3.66% APYSep 22, 2026Oct 14, 2026
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
1 Year CD
$0
3.65% ▲ 0.18% above Idaho avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.18% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
12 Month Jumbo Certificates of Deposit
$0
3.61% ▲ 0.14% above Idaho avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.47%▲ 0.14% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 3.61% APY · checked 6 times
3.11%3.61%4.11%Sep 19, 2026: 3.61% APYSep 19, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 12 Months
$0
3.61% ▲ 0.14% above Idaho avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.47%▲ 0.14% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 3.51% → 3.61% ▲ 0.10 pts · high 3.61% / low 3.51%
3.01%3.56%4.11%Sep 19, 2026: 3.51% APYOct 7, 2026: 3.61% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20263.61%▲ from 3.51%
  • Sep 19, 20263.51%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Accounts
$100,000
3.60% ▲ 0.13% above Idaho avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.13% above avgNationally 2.99%
Details

APY* (min. balance $100,000)

Rate History
1 change since Sep 14, 2026 · 4.00% → 3.60% ▼ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 4.00% APYOct 10, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.60%▼ from 4.00%
  • Sep 14, 20264.00%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 12 Months
$0
3.60% ▲ 0.13% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.13% above avgNationally 2.99%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1 Year (12 Month) CD
$0
3.55% ▲ 0.08% above Idaho avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.47%▲ 0.08% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
12 Month Certificate
$0
3.51% ▲ 0.04% above Idaho avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.47%▲ 0.04% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 19, 2026: 3.51% APYSep 19, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 12 Months
$0
3.51% ▲ 0.04% above Idaho avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.47%▲ 0.04% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 19, 2026: 3.51% APYSep 19, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
1 Year Smart Step Certificates
$25
3.51% ▲ 0.04% above Idaho avg
View
▼
RateN/A
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.04% above avgNationally 2.99%
Details

A CapEd Smart Step Certificate can be opened by or for members under age 26. You can make deposits into a Smart Step Certificate at any time.

Rate History
No change since Oct 6, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 6, 2026: 3.51% APYOct 6, 2026Oct 14, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
1 Year (12 Month) CD
$0
3.50% ▲ 0.03% above Idaho avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.47%▲ 0.03% above avgNationally 2.99%
Details

Balance: $500 - $99,999; Payment Frequency: Maturity

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
12 Month Certificate of Deposit
$500
3.50% ▲ 0.03% above Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.47%▲ 0.03% above avgNationally 2.99%
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
12 Month Certificate
$0
3.50% ▲ 0.03% above Idaho avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.03% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
12 Month Small Savers Certificate
$0
3.50% ▲ 0.03% above Idaho avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.03% above avgNationally 2.99%
Details

Balance: $100.00+

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 14, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
12 Month Certificate
$500
3.50% ▲ 0.03% above Idaho avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.03% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 14, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
12 Month Certificate
$100
3.50% ▲ 0.03% above Idaho avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.47%▲ 0.03% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026

Grangeville 18 Month CD Rates

Idaho 18 Month CD Average3.51% APYNational 2.88%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
18 Month Certificate
$0
4.10% ▲ 0.59% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▲ 0.59% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 14, 2026: 3.65% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
18 Month IRA Certificate
$0
4.10% ▲ 0.59% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▲ 0.59% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 18, 2026: 3.65% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.65%
  • Sep 18, 20263.65%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month IRA CD
$0
4.60% ▲ 1.09% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▲ 1.09% above avgNationally 2.88%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.60% APY · checked 6 times
4.10%4.60%5.10%Sep 14, 2026: 4.60% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month IRA CD
$0
4.45% ▲ 0.94% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▲ 0.94% above avgNationally 2.88%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 4.45% APY · checked 6 times
3.95%4.45%4.95%Sep 14, 2026: 4.45% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month IRA CD
$0
4.30% ▲ 0.79% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▲ 0.79% above avgNationally 2.88%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Promo CD
$500
4.20% ▲ 0.69% above Idaho avg
View
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.51%▲ 0.69% above avgNationally 2.88%
Details

Terms: See Terms

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
18 Month Term Certificate
$0
4.20% ▲ 0.69% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▲ 0.69% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 14, 2026: 4.05% APYSep 22, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20264.20%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
18 Month Certificate
$0
4.15% ▲ 0.64% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.51%▲ 0.64% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month Certificate
$500
4.15% ▲ 0.64% above Idaho avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.51%▲ 0.64% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 14, 2026: 4.05% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.15%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed CD
$0
4.10% ▲ 0.59% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▲ 0.59% above avgNationally 2.88%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
18 Month Fixed Rate Term Certificate
$0
4.05% ▲ 0.54% above Idaho avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.51%▲ 0.54% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 12, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 12, 2026: 4.05% APYOct 12, 2026Oct 14, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
18 Month IRA Term Certificate
$0
4.05% ▲ 0.54% above Idaho avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.51%▲ 0.54% above avgNationally 2.88%
Details

IRA; minimum balance of $500 to earn APY

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYOct 8, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
18 Month ROTH IRA Term Certificate
$0
4.05% ▲ 0.54% above Idaho avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.51%▲ 0.54% above avgNationally 2.88%
Details

Minimum balance to earn APY: $500; Rates as of 10/06/2026

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
3.20%3.88%4.55%Sep 14, 2026: 3.70% APYOct 8, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.05%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Ireland Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.57%
18-Month CD
$25,000
4.00% ▲ 0.49% above Idaho avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.51%▲ 0.49% above avgNationally 2.88%
Details

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.

Rate History
No change since Sep 15, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 15, 2026: 4.00% APYSep 15, 2026Oct 14, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
18 Month Certificate
$1,000
4.00% ▲ 0.49% above Idaho avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.51%▲ 0.49% above avgNationally 2.88%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 Month Consumer Certificates and IRA Certificates
$0
4.00% ▲ 0.49% above Idaho avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▲ 0.49% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
18 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 0.49% above Idaho avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▲ 0.49% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificates or more - 18 Month
$0
4.00% ▲ 0.49% above Idaho avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▲ 0.49% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed CD
$0
3.95% ▲ 0.44% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▲ 0.44% above avgNationally 2.88%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 18, 2026: 3.95% APYSep 18, 2026Oct 14, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month Variable Certificate
$50
3.91% ▲ 0.40% above Idaho avg
View
▼
Rate3.84%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.51%▲ 0.40% above avgNationally 2.88%
Details

Variable rate based on the 91-day Treasury Bill average

Rate History
No change since Oct 13, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 13, 2026: 3.91% APYOct 13, 2026Oct 14, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
18 Month IRA
$500
3.90% ▲ 0.39% above Idaho avg
View
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.51%▲ 0.39% above avgNationally 2.88%
Details

Rate History
1 change since Sep 11, 2026 · 3.91% → 3.90% ▼ 0.01 pts · high 3.91% / low 3.90%
3.40%3.91%4.41%Sep 11, 2026: 3.91% APYOct 11, 2026: 3.90% APYSep 11, 2026Oct 14, 2026
  • Oct 11, 20263.90%▼ from 3.91%
  • Sep 11, 20263.91%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed CD
$0
3.80% ▲ 0.29% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▲ 0.29% above avgNationally 2.88%
Details

APY* (min. balance $500)

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
18 Month CD
$500
3.75% ▲ 0.24% above Idaho avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.51%▲ 0.24% above avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 14, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 18 months
$0
3.75% ▲ 0.24% above Idaho avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.51%▲ 0.24% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
18 Month - One Jump CD
$0
3.70% ▲ 0.19% above Idaho avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▲ 0.19% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Month Jumbo Certificates of Deposit
$0
3.66% ▲ 0.15% above Idaho avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.51%▲ 0.15% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.66% APY · checked 6 times
3.16%3.66%4.16%Sep 19, 2026: 3.66% APYSep 19, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 18 Months
$0
3.66% ▲ 0.15% above Idaho avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.51%▲ 0.15% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.56% → 3.66% ▲ 0.10 pts · high 3.66% / low 3.56%
3.06%3.61%4.16%Sep 19, 2026: 3.56% APYOct 7, 2026: 3.66% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20263.66%▲ from 3.56%
  • Sep 19, 20263.56%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
18 Month CD
$0
3.58% ▲ 0.07% above Idaho avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.51%▲ 0.07% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.58% APY · checked 4 times
3.08%3.58%4.08%Sep 14, 2026: 3.58% APYSep 14, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
18 Month Certificate
$0
3.56% ▲ 0.05% above Idaho avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.51%▲ 0.05% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 19, 2026: 3.56% APYSep 19, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 18 Months
$0
3.56% ▲ 0.05% above Idaho avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.51%▲ 0.05% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 19, 2026: 3.56% APYSep 19, 2026Oct 14, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
18 Month CD
$0
3.53% ▲ 0.02% above Idaho avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.51%▲ 0.02% above avgNationally 2.88%
Details

Balance: $500 - $99,999; Payment Frequency: Semiannually

Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 4 times
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Oct 14, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month BUMP
$500
3.30% ▼ 0.21% below Idaho avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▼ 0.21% below avgNationally 2.88%
Details

Rate History
No change since Sep 22, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 22, 2026: 3.30% APYSep 22, 2026Oct 14, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 18 Month Fixed Rate CD
$0
3.25% ▼ 0.26% below Idaho avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.51%▼ 0.26% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 7, 2026: 3.25% APYOct 7, 2026Oct 14, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
18 Month Certificate
$0
3.25% ▼ 0.26% below Idaho avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▼ 0.26% below avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
18 Month Promotional Certificate
$500
3.20% ▼ 0.31% below Idaho avg
View
▼
Rate3.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▼ 0.31% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Month Certificate of Deposit
$500
2.75% ▼ 0.76% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.51%▼ 0.76% below avgNationally 2.88%
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 month IRA
$0
2.75% ▼ 0.76% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.51%▼ 0.76% below avgNationally 2.88%
Details

Rate History
No change since Sep 9, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 9, 2026: 2.75% APYSep 9, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
18 Month IRA Certificate
$500
2.10% ▼ 1.41% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.51%▼ 1.41% below avgNationally 2.88%
Details

IRA CD .25% Increase (APY); Deposit Amount: $500 +

Rate History
No change since Sep 25, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Sep 25, 2026: 2.10% APYSep 25, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
18 Month Rewards CD
$500
1.85% ▼ 1.66% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.51%▼ 1.66% below avgNationally 2.88%
Details

Rate History
No change since Sep 12, 2026 · 1.85% APY · checked 5 times
1.35%1.85%2.35%Sep 12, 2026: 1.85% APYSep 12, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
18 Month Share Certificate
$500
1.85% ▼ 1.66% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.51%▼ 1.66% below avgNationally 2.88%
Details

Deposit Amount: $500 +

Rate History
No change since Oct 12, 2026 · 1.85% APY
1.35%1.85%2.35%Oct 12, 2026: 1.85% APYOct 12, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
18 Month Certificate
$50,000
1.80% ▼ 1.71% below Idaho avg
View
▼
Rate1.79%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▼ 1.71% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 3 times
1.30%1.80%2.30%Sep 14, 2026: 1.80% APYSep 14, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
18 Month Certificate
$10,000
1.75% ▼ 1.76% below Idaho avg
View
▼
Rate1.74%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▼ 1.76% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 3 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
18 Month Certificate
$500
1.70% ▼ 1.81% below Idaho avg
View
▼
Rate1.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▼ 1.81% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 3 times
1.20%1.70%2.20%Sep 14, 2026: 1.70% APYSep 14, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 month variable IRA
$0
1.00% ▼ 2.51% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.51%▼ 2.51% below avgNationally 2.88%
Details

Rate History
No change since Sep 9, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 9, 2026: 1.00% APYSep 9, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month IRA Certificates
$0
0.75% ▼ 2.76% below Idaho avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▼ 2.76% below avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
18 Month Standard CD
$0
0.75% ▼ 2.76% below Idaho avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.51%▼ 2.76% below avgNationally 2.88%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026

Grangeville 24 Month CD Rates

Idaho 24 Month CD Average3.39% APYNational 2.88%▲ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
24 Month Certificate
$0
4.10% ▲ 0.71% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.71% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
24 Month IRA Certificate
$0
4.10% ▲ 0.71% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.71% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 18, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
24 Month Certificate
$0
4.50% ▲ 1.11% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.39%▲ 1.11% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
24 Month Certificate
$500
4.45% ▲ 1.06% above Idaho avg
View
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.39%▲ 1.06% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
3.65%4.30%4.95%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.45% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.45%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month IRA CD
$0
4.30% ▲ 0.91% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.91% above avgNationally 2.88%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Promo CD
$500
4.25% ▲ 0.86% above Idaho avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.39%▲ 0.86% above avgNationally 2.88%
Details

Terms: See Terms

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
24 Month IRA Term Certificate
$0
4.25% ▲ 0.86% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.86% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 18, 2026: 3.90% APYSep 22, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Sep 22, 20264.25%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
24 Month Term Certificate
$0
4.25% ▲ 0.86% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.86% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 14, 2026: 3.90% APYSep 22, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month IRA CD
$0
4.15% ▲ 0.76% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.76% above avgNationally 2.88%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
2 Year Share Certificates
$0
4.05% ▲ 0.66% above Idaho avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.66% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.60%
3.10%3.83%4.55%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.60% APYOct 10, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.05%▲ from 3.60%
  • Sep 18, 20263.60%▼ from 3.70%
  • Sep 14, 20263.70%first recorded
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
24 Month Certificate
$1,000
4.00% ▲ 0.61% above Idaho avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.39%▲ 0.61% above avgNationally 2.88%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month IRA CD
$0
4.00% ▲ 0.61% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.61% above avgNationally 2.88%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
24 Month Consumer Certificates and IRA Certificates
$0
4.00% ▲ 0.61% above Idaho avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
24 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
4.00% ▲ 0.61% above Idaho avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificates or more - 24 Month
$0
4.00% ▲ 0.61% above Idaho avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.61% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
24 Month Fixed Rate Term Certificate
$0
3.95% ▲ 0.56% above Idaho avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.39%▲ 0.56% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 12, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 12, 2026: 3.95% APYOct 12, 2026Oct 14, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
24 Month IRA Term Certificate
$0
3.95% ▲ 0.56% above Idaho avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.39%▲ 0.56% above avgNationally 2.88%
Details

IRA; minimum balance of $500 to earn APY

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.95% ▲ 0.20 pts · high 3.95% / low 3.75%
3.25%3.85%4.45%Sep 14, 2026: 3.75% APYOct 8, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.95%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
24 Month ROTH IRA Term Certificate
$0
3.95% ▲ 0.56% above Idaho avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.39%▲ 0.56% above avgNationally 2.88%
Details

Minimum balance to earn APY: $500; Rates as of 10/06/2026

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.95% ▲ 0.35 pts · high 3.95% / low 3.60%
3.10%3.78%4.45%Sep 14, 2026: 3.60% APYOct 8, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.95%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 24 Months
$0
3.90% ▲ 0.51% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.51% above avgNationally 2.88%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Fixed CD
$0
3.80% ▲ 0.41% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.41% above avgNationally 2.88%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 14, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 24 months
$0
3.75% ▲ 0.36% above Idaho avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.39%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 24 Months
$0
3.75% ▲ 0.36% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.36% above avgNationally 2.88%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
24 Month Certificate
$500
3.75% ▲ 0.36% above Idaho avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.36% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 14, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
24 Month IRA CD
$500
3.66% ▲ 0.27% above Idaho avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.39%▲ 0.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 11, 2026 · 3.41% → 3.66% ▲ 0.25 pts · high 3.66% / low 3.41%
2.91%3.54%4.16%Sep 11, 2026: 3.41% APYOct 11, 2026: 3.66% APYSep 11, 2026Oct 14, 2026
  • Oct 11, 20263.66%▲ from 3.41%
  • Sep 11, 20263.41%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Fixed CD
$0
3.65% ▲ 0.26% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.26% above avgNationally 2.88%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 Month IRA
$500
3.61% ▲ 0.22% above Idaho avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.39%▲ 0.22% above avgNationally 2.88%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 24 Month
$1,000
3.61% ▲ 0.22% above Idaho avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.39%▲ 0.22% above avgNationally 2.88%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 14, 2026
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
2 Year - One Jump CD
$0
3.60% ▲ 0.21% above Idaho avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.21% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 10, 2026: 3.60% APYOct 10, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 24 Months
$0
3.60% ▲ 0.21% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.21% above avgNationally 2.88%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2 Year (24 Month) CD
$0
3.55% ▲ 0.16% above Idaho avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.39%▲ 0.16% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
2 Year (24 Month) CD
$0
3.50% ▲ 0.11% above Idaho avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.39%▲ 0.11% above avgNationally 2.88%
Details

Balance: $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
24 Month CD
$500
3.50% ▲ 0.11% above Idaho avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.39%▲ 0.11% above avgNationally 2.88%
Details

Rate History
1 change since Sep 11, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 11, 2026: 3.25% APYOct 11, 2026: 3.50% APYSep 11, 2026Oct 14, 2026
  • Oct 11, 20263.50%▲ from 3.25%
  • Sep 11, 20263.25%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Fixed CD
$0
3.50% ▲ 0.11% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.11% above avgNationally 2.88%
Details

APY* (min. balance $500)

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
24 Month Certificate
$0
3.50% ▲ 0.11% above Idaho avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.11% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
24 Month Certificate
$100
3.50% ▲ 0.11% above Idaho avg
View
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.11% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$100,000
3.40% ▲ 0.01% above Idaho avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.01% above avgNationally 2.88%
Details

APY* (min. balance $100,000)

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.40% ▼ 0.40 pts · high 3.80% / low 3.40%
2.90%3.60%4.30%Sep 14, 2026: 3.80% APYOct 10, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.40%▼ from 3.80%
  • Sep 14, 20263.80%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 24 Months
$0
3.40% ▲ 0.01% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▲ 0.01% above avgNationally 2.88%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$50,000
3.25% ▼ 0.14% below Idaho avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▼ 0.14% below avgNationally 2.88%
Details

APY* (min. balance $50,000)

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.25% ▼ 0.40 pts · high 3.65% / low 3.25%
2.75%3.45%4.15%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.25%▼ from 3.65%
  • Sep 14, 20263.65%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 24 Months
$0
3.25% ▼ 0.14% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▼ 0.14% below avgNationally 2.88%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
24 Month Certificate
$0
3.25% ▼ 0.14% below Idaho avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▼ 0.14% below avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 14, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
2 Year Certificate
$0
3.25% ▼ 0.14% below Idaho avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▼ 0.14% below avgNationally 2.88%
Details

Early Withdrawal 90 day Penalty

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
2 Year IRA Certificate
$0
3.25% ▼ 0.14% below Idaho avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▼ 0.14% below avgNationally 2.88%
Details

Early Withdrawal 90 day Penalty

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
24 Month Promotional Certificate
$500
3.15% ▼ 0.24% below Idaho avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▼ 0.24% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Accounts
$500
3.10% ▼ 0.29% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▼ 0.29% below avgNationally 2.88%
Details

APY* (min. balance $500)

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.10% ▼ 0.40 pts · high 3.50% / low 3.10%
2.60%3.30%4.00%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.10%▼ from 3.50%
  • Sep 14, 20263.50%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 24 Months
$0
3.10% ▼ 0.29% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▼ 0.29% below avgNationally 2.88%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 24 Month Fixed Rate CD
$0
3.00% ▼ 0.39% below Idaho avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.39%▼ 0.39% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 14, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24 Month BUMP
$500
3.00% ▼ 0.39% below Idaho avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.39%▼ 0.39% below avgNationally 2.88%
Details

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
24 Month Certificate of Deposit
$500
2.50% ▼ 0.89% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.39%▼ 0.89% below avgNationally 2.88%
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
24 month IRA
$0
2.50% ▼ 0.89% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.39%▼ 0.89% below avgNationally 2.88%
Details

Rate History
No change since Sep 9, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 9, 2026: 2.50% APYSep 9, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
24 Month IRA Certificate
$500
2.15% ▼ 1.24% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.39%▼ 1.24% below avgNationally 2.88%
Details

IRA CD .25% Increase (APY); Deposit Amount: $500 +

Rate History
No change since Sep 25, 2026 · 2.15% APY · checked 2 times
1.65%2.15%2.65%Sep 25, 2026: 2.15% APYSep 25, 2026Oct 14, 2026

Grangeville 36 Month CD Rates

Idaho 36 Month CD Average3.13% APYNational 2.81%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
36 Month Certificate
$0
4.20% ▲ 1.07% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 1.07% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 14, 2026: 3.75% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.20%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
36 Month IRA Certificate
$0
4.20% ▲ 1.07% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 1.07% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
3.25%3.98%4.70%Sep 18, 2026: 3.75% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.20%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
36 Month Certificate
$500
4.35% ▲ 1.22% above Idaho avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.13%▲ 1.22% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 36 months
$0
4.30% ▲ 1.17% above Idaho avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.13%▲ 1.17% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 12, 2026: 4.30% APYOct 12, 2026Oct 14, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
36 Month Certificate
$500
4.25% ▲ 1.12% above Idaho avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 1.12% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
36 Month Fixed Rate Term Certificate
$0
3.85% ▲ 0.72% above Idaho avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.13%▲ 0.72% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 14, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
36 Month IRA Term Certificate
$0
3.85% ▲ 0.72% above Idaho avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.13%▲ 0.72% above avgNationally 2.81%
Details

IRA; minimum balance of $500 to earn APY

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
3.05%3.70%4.35%Sep 14, 2026: 3.55% APYOct 8, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.85%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
36 Month ROTH IRA Term Certificate
$0
3.85% ▲ 0.72% above Idaho avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.13%▲ 0.72% above avgNationally 2.81%
Details

Minimum balance to earn APY: $500; Rates as of 10/06/2026

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.85% ▲ 0.50 pts · high 3.85% / low 3.35%
2.85%3.60%4.35%Sep 14, 2026: 3.35% APYOct 8, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.85%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
36 Month Term Certificate
$0
3.80% ▲ 0.67% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 0.67% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month IRA CD
$0
3.75% ▲ 0.62% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 0.62% above avgNationally 2.81%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
36 Month Consumer Certificates and IRA Certificates
$0
3.75% ▲ 0.62% above Idaho avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
36 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.75% ▲ 0.62% above Idaho avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificates or more - 36 Month
$0
3.75% ▲ 0.62% above Idaho avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 0.62% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month IRA
$500
3.61% ▲ 0.48% above Idaho avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.13%▲ 0.48% above avgNationally 2.81%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 36 Month
$1,000
3.61% ▲ 0.48% above Idaho avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.13%▲ 0.48% above avgNationally 2.81%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 14, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
36 Month Certificate
$0
3.60% ▲ 0.47% above Idaho avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 0.47% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Year (36 Month) CD
$0
3.55% ▲ 0.42% above Idaho avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.13%▲ 0.42% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
36 Month IRA CD
$500
3.55% ▲ 0.42% above Idaho avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.13%▲ 0.42% above avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Sep 11, 2026: 3.30% APYOct 11, 2026: 3.55% APYSep 11, 2026Oct 14, 2026
  • Oct 11, 20263.55%▲ from 3.30%
  • Sep 11, 20263.30%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month IRA CD
$0
3.55% ▲ 0.42% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 0.42% above avgNationally 2.81%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
3 Year (36 Month) CD
$0
3.50% ▲ 0.37% above Idaho avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.13%▲ 0.37% above avgNationally 2.81%
Details

Balance: $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
36 Month Certificate
$1,000
3.50% ▲ 0.37% above Idaho avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.13%▲ 0.37% above avgNationally 2.81%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 36 Months
$0
3.50% ▲ 0.37% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 0.37% above avgNationally 2.81%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
36 Month CD
$500
3.40% ▲ 0.27% above Idaho avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.13%▲ 0.27% above avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
2.65%3.28%3.90%Sep 11, 2026: 3.15% APYOct 11, 2026: 3.40% APYSep 11, 2026Oct 14, 2026
  • Oct 11, 20263.40%▲ from 3.15%
  • Sep 11, 20263.15%first recorded
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
3 Year -- One Jump CD
$0
3.40% ▲ 0.27% above Idaho avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 0.27% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 10, 2026: 3.40% APYOct 10, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month IRA CD
$0
3.35% ▲ 0.22% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 0.22% above avgNationally 2.81%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 36 Months
$0
3.30% ▲ 0.17% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 0.17% above avgNationally 2.81%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Fixed CD
$0
3.25% ▲ 0.12% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 0.12% above avgNationally 2.81%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
36 Month Certificate
$0
3.25% ▲ 0.12% above Idaho avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 0.12% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 10, 2026: 3.25% APYOct 10, 2026Oct 14, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Year Certificate
$0
3.25% ▲ 0.12% above Idaho avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 0.12% above avgNationally 2.81%
Details

Early Withdrawal 90 day Penalty

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Year IRA Certificate
$0
3.25% ▲ 0.12% above Idaho avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▲ 0.12% above avgNationally 2.81%
Details

Early Withdrawal 90 day Penalty

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 36 Months
$0
3.10% ▼ 0.03% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▼ 0.03% below avgNationally 2.81%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
36 Month Promotional Certificate
$500
3.10% ▼ 0.03% below Idaho avg
View
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▼ 0.03% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Fixed CD
$0
3.05% ▼ 0.08% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▼ 0.08% below avgNationally 2.81%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Accounts
$100,000
3.00% ▼ 0.13% below Idaho avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▼ 0.13% below avgNationally 2.81%
Details

APY* (min. balance $100,000)

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.00% ▼ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.00%▼ from 3.25%
  • Sep 14, 20263.25%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 36 Months
$0
3.00% ▼ 0.13% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▼ 0.13% below avgNationally 2.81%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Fixed CD
$0
2.85% ▼ 0.28% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▼ 0.28% below avgNationally 2.81%
Details

APY* (min. balance $500)

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Accounts
$50,000
2.80% ▼ 0.33% below Idaho avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▼ 0.33% below avgNationally 2.81%
Details

APY* (min. balance $50,000)

Rate History
1 change since Sep 14, 2026 · 3.05% → 2.80% ▼ 0.25 pts · high 3.05% / low 2.80%
2.30%2.93%3.55%Sep 14, 2026: 3.05% APYOct 10, 2026: 2.80% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20262.80%▼ from 3.05%
  • Sep 14, 20263.05%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 36 Months
$0
2.80% ▼ 0.33% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▼ 0.33% below avgNationally 2.81%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 6 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 14, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
36 Month BUMP
$500
2.75% ▼ 0.38% below Idaho avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▼ 0.38% below avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 22, 2026: 2.75% APYSep 22, 2026Oct 14, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
36 Month Certificate
$100
2.75% ▼ 0.38% below Idaho avg
View
▼
Rate2.72%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▼ 0.38% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Accounts
$500
2.60% ▼ 0.53% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▼ 0.53% below avgNationally 2.81%
Details

APY* (min. balance $500)

Rate History
1 change since Sep 14, 2026 · 2.85% → 2.60% ▼ 0.25 pts · high 2.85% / low 2.60%
2.10%2.73%3.35%Sep 14, 2026: 2.85% APYOct 10, 2026: 2.60% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20262.60%▼ from 2.85%
  • Sep 14, 20262.85%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 36 Months
$0
2.60% ▼ 0.53% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▼ 0.53% below avgNationally 2.81%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 14, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 36 Month Fixed Rate CD
$0
2.50% ▼ 0.63% below Idaho avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.13%▼ 0.63% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
36 Month IRA Certificate
$500
2.35% ▼ 0.78% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.13%▼ 0.78% below avgNationally 2.81%
Details

IRA CD .25% Increase (APY); Deposit Amount: $500 +

Rate History
No change since Sep 25, 2026 · 2.35% APY · checked 2 times
1.85%2.35%2.85%Sep 25, 2026: 2.35% APYSep 25, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
36 Month Rewards CD
$500
2.10% ▼ 1.03% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.13%▼ 1.03% below avgNationally 2.81%
Details

Rate History
No change since Sep 12, 2026 · 2.10% APY · checked 5 times
1.60%2.10%2.60%Sep 12, 2026: 2.10% APYSep 12, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
36 Month Share Certificate
$500
2.10% ▼ 1.03% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.13%▼ 1.03% below avgNationally 2.81%
Details

Deposit Amount: $500 +

Rate History
No change since Oct 12, 2026 · 2.10% APY
1.60%2.10%2.60%Oct 12, 2026: 2.10% APYOct 12, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
36 Month Certificate
$50,000
2.00% ▼ 1.13% below Idaho avg
View
▼
Rate1.99%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▼ 1.13% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
36 Month Certificate
$10,000
1.95% ▼ 1.18% below Idaho avg
View
▼
Rate1.94%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▼ 1.18% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 3 times
1.45%1.95%2.45%Sep 14, 2026: 1.95% APYSep 14, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
36 Month Certificate
$500
1.90% ▼ 1.23% below Idaho avg
View
▼
Rate1.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.13%▼ 1.23% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 3 times
1.40%1.90%2.40%Sep 14, 2026: 1.90% APYSep 14, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
36 Month Certificate of Deposit
$500
1.50% ▼ 1.63% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.13%▼ 1.63% below avgNationally 2.81%
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026

Grangeville 48 Month CD Rates

Idaho 48 Month CD Average3.08% APYNational 2.80%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
48 Month Certificate
$0
4.20% ▲ 1.12% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 1.12% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.20%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
48 Month IRA Certificate
$0
4.20% ▲ 1.12% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 1.12% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
3.30%4.00%4.70%Sep 18, 2026: 3.80% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.20%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 48 months
$0
4.40% ▲ 1.32% above Idaho avg
View
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.08%▲ 1.32% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 12, 2026: 4.40% APYOct 12, 2026Oct 14, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
48 Month Certificate
$500
4.35% ▲ 1.27% above Idaho avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.08%▲ 1.27% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
48 Month Term Certificate
$0
3.80% ▲ 0.72% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 0.72% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4 Year Jumbo Certificates of Deposit
$0
3.76% ▲ 0.68% above Idaho avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.08%▲ 0.68% above avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 3.76% APY · checked 6 times
3.26%3.76%4.26%Sep 19, 2026: 3.76% APYSep 19, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 4 Years
$0
3.76% ▲ 0.68% above Idaho avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.08%▲ 0.68% above avgNationally 2.80%
Details

Rate History
1 change since Sep 19, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 19, 2026: 3.66% APYOct 7, 2026: 3.76% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20263.76%▲ from 3.66%
  • Sep 19, 20263.66%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
48 Month Fixed Rate Term Certificate
$0
3.75% ▲ 0.67% above Idaho avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.08%▲ 0.67% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
48 Month IRA Term Certificate
$0
3.75% ▲ 0.67% above Idaho avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.08%▲ 0.67% above avgNationally 2.80%
Details

IRA; minimum balance of $500 to earn APY

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 14, 2026: 3.65% APYOct 8, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
48 Month ROTH IRA Term Certificate
$0
3.75% ▲ 0.67% above Idaho avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.08%▲ 0.67% above avgNationally 2.80%
Details

Minimum balance to earn APY: $500; Rates as of 10/06/2026

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.75% ▲ 0.30 pts · high 3.75% / low 3.45%
2.95%3.60%4.25%Sep 14, 2026: 3.45% APYOct 8, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.75%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month IRA CD
$0
3.75% ▲ 0.67% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 0.67% above avgNationally 2.80%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
48 Month Consumer Certificates and IRA Certificates
$0
3.75% ▲ 0.67% above Idaho avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 0.67% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
48 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.75% ▲ 0.67% above Idaho avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 0.67% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificates or more - 48 Month
$0
3.75% ▲ 0.67% above Idaho avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 0.67% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
4 Year Certificate
$0
3.66% ▲ 0.58% above Idaho avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.08%▲ 0.58% above avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 3.66% APY · checked 6 times
3.16%3.66%4.16%Sep 19, 2026: 3.66% APYSep 19, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 4 Years
$0
3.66% ▲ 0.58% above Idaho avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.08%▲ 0.58% above avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 3.66% APY · checked 6 times
3.16%3.66%4.16%Sep 19, 2026: 3.66% APYSep 19, 2026Oct 14, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
48 Month Certificate
$0
3.60% ▲ 0.52% above Idaho avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 0.52% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month IRA CD
$0
3.55% ▲ 0.47% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 0.47% above avgNationally 2.80%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
48 Month CD
$500
3.50% ▲ 0.42% above Idaho avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Idaho Average3.08%▲ 0.42% above avgNationally 2.80%
Details

Rate History
1 change since Sep 11, 2026 · 3.15% → 3.50% ▲ 0.35 pts · high 3.50% / low 3.15%
2.65%3.33%4.00%Sep 11, 2026: 3.15% APYOct 11, 2026: 3.50% APYSep 11, 2026Oct 14, 2026
  • Oct 11, 20263.50%▲ from 3.15%
  • Sep 11, 20263.15%first recorded
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
48 Month Certificate
$1,000
3.50% ▲ 0.42% above Idaho avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.08%▲ 0.42% above avgNationally 2.80%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
4 Year -- One Jump CD
$0
3.50% ▲ 0.42% above Idaho avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 0.42% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 48 Months
$0
3.50% ▲ 0.42% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 0.42% above avgNationally 2.80%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month IRA
$500
3.45% ▲ 0.37% above Idaho avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.08%▲ 0.37% above avgNationally 2.80%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 48 Month
$0
3.45% ▲ 0.37% above Idaho avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.08%▲ 0.37% above avgNationally 2.80%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month IRA CD
$0
3.35% ▲ 0.27% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 0.27% above avgNationally 2.80%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 48 Months
$0
3.30% ▲ 0.22% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 0.22% above avgNationally 2.80%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
48 Month Certificate
$0
3.30% ▲ 0.22% above Idaho avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 0.22% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 10, 2026: 3.30% APYOct 10, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Fixed CD
$0
3.25% ▲ 0.17% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 0.17% above avgNationally 2.80%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 48 Months
$0
3.10% ▲ 0.02% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▲ 0.02% above avgNationally 2.80%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Fixed CD
$0
3.05% ▼ 0.03% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▼ 0.03% below avgNationally 2.80%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$100,000
3.00% ▼ 0.08% below Idaho avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▼ 0.08% below avgNationally 2.80%
Details

APY* (min. balance $100,000)

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.00% ▼ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.00%▼ from 3.25%
  • Sep 14, 20263.25%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 48 Months
$0
3.00% ▼ 0.08% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▼ 0.08% below avgNationally 2.80%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
48 Month Promotional Certificate
$500
3.00% ▼ 0.08% below Idaho avg
View
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▼ 0.08% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Fixed CD
$0
2.85% ▼ 0.23% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▼ 0.23% below avgNationally 2.80%
Details

APY* (min. balance $500)

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$50,000
2.80% ▼ 0.28% below Idaho avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▼ 0.28% below avgNationally 2.80%
Details

APY* (min. balance $50,000)

Rate History
1 change since Sep 14, 2026 · 3.05% → 2.80% ▼ 0.25 pts · high 3.05% / low 2.80%
2.30%2.93%3.55%Sep 14, 2026: 3.05% APYOct 10, 2026: 2.80% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20262.80%▼ from 3.05%
  • Sep 14, 20263.05%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 48 Months
$0
2.80% ▼ 0.28% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▼ 0.28% below avgNationally 2.80%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 6 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 14, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
48 Month BUMP
$500
2.75% ▼ 0.33% below Idaho avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▼ 0.33% below avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 22, 2026: 2.75% APYSep 22, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Accounts
$500
2.60% ▼ 0.48% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▼ 0.48% below avgNationally 2.80%
Details

APY* (min. balance $500)

Rate History
1 change since Sep 14, 2026 · 2.85% → 2.60% ▼ 0.25 pts · high 2.85% / low 2.60%
2.10%2.73%3.35%Sep 14, 2026: 2.85% APYOct 10, 2026: 2.60% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20262.60%▼ from 2.85%
  • Sep 14, 20262.85%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 48 Months
$0
2.60% ▼ 0.48% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▼ 0.48% below avgNationally 2.80%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 14, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 48 Month Fixed Rate CD
$0
2.50% ▼ 0.58% below Idaho avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.08%▼ 0.58% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
48 Month IRA Certificate
$500
2.45% ▼ 0.63% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.08%▼ 0.63% below avgNationally 2.80%
Details

IRA CD .25% Increase (APY); Deposit Amount: $500 +

Rate History
No change since Sep 25, 2026 · 2.45% APY · checked 2 times
1.95%2.45%2.95%Sep 25, 2026: 2.45% APYSep 25, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
48 Month Rewards CD
$500
2.20% ▼ 0.88% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.08%▼ 0.88% below avgNationally 2.80%
Details

Rate History
No change since Sep 12, 2026 · 2.20% APY · checked 5 times
1.70%2.20%2.70%Sep 12, 2026: 2.20% APYSep 12, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
48 Month Share Certificate
$500
2.20% ▼ 0.88% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.08%▼ 0.88% below avgNationally 2.80%
Details

Deposit Amount: $500 +

Rate History
No change since Oct 12, 2026 · 2.20% APY
1.70%2.20%2.70%Oct 12, 2026: 2.20% APYOct 12, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
48 Month Certificate
$50,000
2.05% ▼ 1.03% below Idaho avg
View
▼
Rate2.03%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▼ 1.03% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.05% APY · checked 3 times
1.55%2.05%2.55%Sep 14, 2026: 2.05% APYSep 14, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
48 Month Certificate
$10,000
2.00% ▼ 1.08% below Idaho avg
View
▼
Rate1.99%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▼ 1.08% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
48 Month Certificate
$500
1.95% ▼ 1.13% below Idaho avg
View
▼
Rate1.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▼ 1.13% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 3 times
1.45%1.95%2.45%Sep 14, 2026: 1.95% APYSep 14, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
48 Month Certificate of Deposit
$500
1.25% ▼ 1.83% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.08%▼ 1.83% below avgNationally 2.80%
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Oct 7, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 7, 2026: 1.25% APYOct 7, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
48 month IRA
$0
1.25% ▼ 1.83% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.08%▼ 1.83% below avgNationally 2.80%
Details

Rate History
No change since Sep 9, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 9, 2026: 1.25% APYSep 9, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month IRA Certificates
$0
0.75% ▼ 2.33% below Idaho avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▼ 2.33% below avgNationally 2.80%
Details

Balance: $1,000

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
48 Month Standard CD
$0
0.75% ▼ 2.33% below Idaho avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.08%▼ 2.33% below avgNationally 2.80%
Details

Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 30, 2026: 0.75% APYSep 30, 2026Oct 14, 2026

Grangeville 60 Month CD Rates

Idaho 60 Month CD Average3.33% APYNational 2.91%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
60 Month Certificate
$0
4.20% ▲ 0.87% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▲ 0.87% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 14, 2026: 3.85% APYOct 10, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.20%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
908 W MAIN ST, GRANGEVILLE, ID 83530
60 Month IRA Certificate
$0
4.20% ▲ 0.87% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▲ 0.87% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 18, 2026: 3.85% APYOct 10, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.20%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificates - 60 months
$0
4.50% ▲ 1.17% above Idaho avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.33%▲ 1.17% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 14, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
60 Month Certificate
$0
4.50% ▲ 1.17% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 1.17% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Certificate Account
$500
4.50% ▲ 1.17% above Idaho avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 1.17% above avgNationally 2.91%
Details

Dividends credited monthly; early-withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Regular Certificate - 60 Months
$500
4.50% ▲ 1.17% above Idaho avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 1.17% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.50%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
60 Month Certificate
$500
4.40% ▲ 1.07% above Idaho avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 1.07% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYOct 5, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Bump-Rate Certificate
$500
4.35% ▲ 1.02% above Idaho avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 1.02% above avgNationally 2.91%
Details

Bump-rate certificate; can increase rate once during term; dividends credited monthly; early-withdrawal penalties may apply; additional deposits up to $10,000 per calendar month

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 14, 2026
  • Oct 5, 20264.35%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Month Promo CD
$500
4.30% ▲ 0.97% above Idaho avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 0.97% above avgNationally 2.91%
Details

Terms: See Terms

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 14, 2026: 3.90% APYOct 9, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.30%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
5 Year Jumbo Certificates of Deposit
$0
3.82% ▲ 0.49% above Idaho avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.33%▲ 0.49% above avgNationally 2.91%
Details

Rate History
No change since Sep 19, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 19, 2026: 3.82% APYSep 19, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 5 Years
$0
3.82% ▲ 0.49% above Idaho avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.33%▲ 0.49% above avgNationally 2.91%
Details

Rate History
1 change since Sep 19, 2026 · 3.71% → 3.82% ▲ 0.11 pts · high 3.82% / low 3.71%
3.21%3.77%4.32%Sep 19, 2026: 3.71% APYOct 7, 2026: 3.82% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20263.82%▲ from 3.71%
  • Sep 19, 20263.71%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
60 Month Term Certificate
$0
3.80% ▲ 0.47% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▲ 0.47% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
5 Year -- One Jump CD
$0
3.75% ▲ 0.42% above Idaho avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▲ 0.42% above avgNationally 2.91%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month IRA CD
$0
3.75% ▲ 0.42% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▲ 0.42% above avgNationally 2.91%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
60 Month Consumer Certificates and IRA Certificates
$0
3.75% ▲ 0.42% above Idaho avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▲ 0.42% above avgNationally 2.91%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
60 Month Jumbo Consumer Certificates and Jumbo IRA Certificates
$0
3.75% ▲ 0.42% above Idaho avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▲ 0.42% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 14, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificates or more - 60 Month
$0
3.75% ▲ 0.42% above Idaho avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▲ 0.42% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
5 Year Certificate
$500
3.75% ▲ 0.42% above Idaho avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▲ 0.42% above avgNationally 2.91%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
5 Year Certificate
$0
3.71% ▲ 0.38% above Idaho avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.33%▲ 0.38% above avgNationally 2.91%
Details

Rate History
No change since Sep 19, 2026 · 3.71% APY · checked 6 times
3.21%3.71%4.21%Sep 19, 2026: 3.71% APYSep 19, 2026Oct 14, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 5 Years
$0
3.71% ▲ 0.38% above Idaho avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.33%▲ 0.38% above avgNationally 2.91%
Details

Rate History
No change since Sep 19, 2026 · 3.71% APY · checked 6 times
3.21%3.71%4.21%Sep 19, 2026: 3.71% APYSep 19, 2026Oct 14, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
60 Month Fixed Rate Term Certificate
$0
3.65% ▲ 0.32% above Idaho avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.33%▲ 0.32% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 12, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 12, 2026: 3.65% APYOct 12, 2026Oct 14, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
60 Month IRA Term Certificate
$0
3.65% ▲ 0.32% above Idaho avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.33%▲ 0.32% above avgNationally 2.91%
Details

IRA; minimum balance of $500 to earn APY

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.65% ▼ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 14, 2026: 3.75% APYOct 8, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.65%▼ from 3.75%
  • Sep 14, 20263.75%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
60 Month ROTH IRA Term Certificate
$0
3.65% ▲ 0.32% above Idaho avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.33%▲ 0.32% above avgNationally 2.91%
Details

Minimum balance to earn APY: $500; Rates as of 10/06/2026

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
3.05%3.60%4.15%Sep 14, 2026: 3.55% APYOct 8, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20263.65%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
60 Month Certificate
$0
3.60% ▲ 0.27% above Idaho avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▲ 0.27% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
5 Year (60 Month) CD
$0
3.55% ▲ 0.22% above Idaho avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.33%▲ 0.22% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month IRA
$500
3.55% ▲ 0.22% above Idaho avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 0.22% above avgNationally 2.91%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
Certificates - 60 Month
$1,000
3.55% ▲ 0.22% above Idaho avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 0.22% above avgNationally 2.91%
Details

Balance: 1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month IRA CD
$0
3.55% ▲ 0.22% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▲ 0.22% above avgNationally 2.91%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
5 Year Promotional Certificates
$500
3.51% ▲ 0.18% above Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▲ 0.18% above avgNationally 2.91%
Details

Promotional rates offered for a limited time.

Rate History
No change since Oct 6, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 6, 2026: 3.51% APYOct 6, 2026Oct 14, 2026
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
5 Year (60 Month) CD
$0
3.50% ▲ 0.17% above Idaho avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.33%▲ 0.17% above avgNationally 2.91%
Details

Balance: $500 - $99,999; Payment Frequency: Annually

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
60 Month Certificate
$1,000
3.50% ▲ 0.17% above Idaho avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Idaho Average3.33%▲ 0.17% above avgNationally 2.91%
Details

$1,000 minimum balance requirement to open most Certificates; APY assumes dividends remain in the account until maturity; early withdrawal penalties may apply

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 60 Months
$0
3.50% ▲ 0.17% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▲ 0.17% above avgNationally 2.91%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month IRA CD
$0
3.35% ▲ 0.02% above Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▲ 0.02% above avgNationally 2.91%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
60 Month Certificate
$0
3.35% ▲ 0.02% above Idaho avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▲ 0.02% above avgNationally 2.91%
Details

Rate History
No change since Oct 10, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 10, 2026: 3.35% APYOct 10, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 60 Months
$0
3.30% ▼ 0.03% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▼ 0.03% below avgNationally 2.91%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Fixed CD
$0
3.25% ▼ 0.08% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▼ 0.08% below avgNationally 2.91%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA Bump CD - 60 Months
$0
3.10% ▼ 0.23% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▼ 0.23% below avgNationally 2.91%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Fixed CD
$0
3.05% ▼ 0.28% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▼ 0.28% below avgNationally 2.91%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 2 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Accounts
$100,000
3.00% ▼ 0.33% below Idaho avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▼ 0.33% below avgNationally 2.91%
Details

APY* (min. balance $100,000)

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.00% ▼ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.00%▼ from 3.25%
  • Sep 14, 20263.25%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 60 Months
$0
3.00% ▼ 0.33% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▼ 0.33% below avgNationally 2.91%
Details

APY* (min. balance $100,000)

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
60 Month Promotional Certificate
$500
2.95% ▼ 0.38% below Idaho avg
View
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▼ 0.38% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 6 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Fixed CD
$0
2.85% ▼ 0.48% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▼ 0.48% below avgNationally 2.91%
Details

APY* (min. balance $500)

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Accounts
$50,000
2.80% ▼ 0.53% below Idaho avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▼ 0.53% below avgNationally 2.91%
Details

APY* (min. balance $50,000)

Rate History
1 change since Sep 14, 2026 · 3.05% → 2.80% ▼ 0.25 pts · high 3.05% / low 2.80%
2.30%2.93%3.55%Sep 14, 2026: 3.05% APYOct 10, 2026: 2.80% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20262.80%▼ from 3.05%
  • Sep 14, 20263.05%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 60 Months
$0
2.80% ▼ 0.53% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▼ 0.53% below avgNationally 2.91%
Details

APY* (min. balance $50,000)

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 6 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 14, 2026
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
60 Month BUMP
$500
2.75% ▼ 0.58% below Idaho avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▼ 0.58% below avgNationally 2.91%
Details

Rate History
No change since Sep 22, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 22, 2026: 2.75% APYSep 22, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
60 Month IRA Certificate
$500
2.60% ▼ 0.73% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.33%▼ 0.73% below avgNationally 2.91%
Details

IRA CD .25% Increase (APY); Deposit Amount: $500 +

Rate History
No change since Sep 25, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Sep 25, 2026: 2.60% APYSep 25, 2026Oct 14, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Accounts
$500
2.60% ▼ 0.73% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▼ 0.73% below avgNationally 2.91%
Details

APY* (min. balance $500)

Rate History
1 change since Sep 14, 2026 · 2.85% → 2.60% ▼ 0.25 pts · high 2.85% / low 2.60%
2.10%2.73%3.35%Sep 14, 2026: 2.85% APYOct 10, 2026: 2.60% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20262.60%▼ from 2.85%
  • Sep 14, 20262.85%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
Bump CD - 60 Months
$0
2.60% ▼ 0.73% below Idaho avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Idaho Average3.33%▼ 0.73% below avgNationally 2.91%
Details

APY* (min. balance $500)

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 14, 2026
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Business 60 Month Fixed Rate CD
$0
2.50% ▼ 0.83% below Idaho avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Idaho Average3.33%▼ 0.83% below avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 14, 2026
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
60 Month Rewards CD
$500
2.35% ▼ 0.98% below Idaho avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Idaho Average3.33%▼ 0.98% below avgNationally 2.91%
Details

Rate History
2 changes since Sep 12, 2026 · 2.35% → 2.35% ▼ 0.00 pts · high 2.60% / low 2.35%
1.85%2.48%3.10%Sep 12, 2026: 2.35% APYSep 20, 2026: 2.60% APYOct 12, 2026: 2.35% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20262.35%▼ from 2.60%
  • Sep 20, 20262.60%▲ from 2.35%
  • Sep 12, 20262.35%first recorded
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.

Top CD Rates from Grangeville, Idaho Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Wells Fargo
1 year Standard Fixed Rate
A+ 5.0 ★ TX: 5.36%
Min: $2,500
1.51%
Portage Bank
6-Month Promo CD
A 5.0 ★ TX: 12.14%
Min: $10,000
4.15%
Farmers Bank Buhl, ID
12 Month Accumulator IRA
A+ 5.0 ★ TX: 2.46%
Min: $500
4.06%
Ireland Bank
18-Month CD
A- 5.0 ★ TX: 14.57%
Min: $25,000
4.00%
First FSB of Twin Falls
5 Year Jumbo Certificates of Deposit
A+ 5.0 ★ TX: 0.04%
Min: $0
3.82%
CU Top 5 Credit Union Rates
Potlatch No 1 Financial Credit Union
36 Month Certificate
A+ 5.0 ★ TX: 3.49%
Min: $0
4.20%
Gesa Credit Union
18 Month IRA CD
A 5.0 ★ TX: 6.57%
Min: $0
4.60%
Advantage Plus Federal Credit Union
Share Certificates - 60 months
A+ 5.0 ★ TX: 3.01%
Min: $0
4.50%
Mountain America Federal Credit Union
24 Month Certificate
A 5.0 ★ TX: 9.78%
Min: $0
4.50%
America First Federal Credit Union
60 Month Certificate Account
A 5.0 ★ TX: 8.33%
Min: $500
4.50%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Grangeville, ID CD Rate Trends

Compare local Grangeville, 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
3.471%
▲ 0.020 vs 7 days ago

Idaho 12-month CD rates rose 0.020 points over the past 7 days to 3.471% APY.

6-Month CD ID Avg
3.361%
▲ 0.007 vs 7 days ago

Idaho 6-month CD rates rose 0.007 points over the past 7 days to 3.361% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

ID CD Rate Forecast, Next 12 Months

Where are Idaho CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

ID 12-Month Avg APY
3.471%
6-Month Forecast
3.471%
Range: 3.27%, 3.62%
12-Month Forecast
3.721%
Range: 3.52%, 3.87%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Idaho average 12-month CD APY in our database.

Spread model: The Idaho 12-month CD average currently trades 0.90% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at ID CD Rates Today

Annual interest earnings at today’s Idaho average APYs. State average used where available; national average as fallback.

CD Term ID Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.542% $127.08 $254.16 $635.40 $1,270.80
6-Month CD 3.361% $168.03 $336.05 $840.13 $1,680.25
12-Month CD 3.471% $173.54 $347.08 $867.70 $1,735.40
18-Month CD 3.508% $175.42 $350.84 $877.10 $1,754.20
24-Month CD 3.392% $169.61 $339.22 $848.05 $1,696.10
36-Month CD 3.129% $156.43 $312.86 $782.15 $1,564.30
48-Month CD 3.080% $153.98 $307.95 $769.88 $1,539.75
60-Month CD 3.331% $166.56 $333.12 $832.80 $1,665.60
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Grangeville, 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.

Build Your Ladder
Rung Term Deposit ID Avg APY Annual Earnings
1 3-Month CD $5,000 2.542% $127.08
2 6-Month CD $5,000 3.361% $168.03
3 12-Month CD $5,000 3.471% $173.54
4 24-Month CD $5,000 3.392% $169.61
5 36-Month CD $5,000 3.129% $156.43
Total ($25,000 invested) $25,000 3.179% blended $794.69/yr

Ladder example uses equal $5,000 rungs and Idaho average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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434
CD Rates
Tracked in Grangeville, Idaho
10 Banks 25 Credit Unions

About Our Grangeville, Idaho CD Rate Database

MonitorBankRates tracks 434 CD rates from 10 banks and 25 credit unions with locations in Grangeville, Idaho, plus national online institutions available to Idaho residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Potlatch No 1 Financial Credit Union offers a CD at 4.20% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Grangeville, Idaho.

How to Find the Best CD Rates in Grangeville, Idaho

What to compare when shopping for a CD in Grangeville, Idaho

To find the best APYs in Grangeville, Idaho, start with credit unions and online-only banks: Grangeville, Idaho has 25 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Grangeville, 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 Grangeville, Idaho: 35 institutions here report CD rates

Consider an Alternative If…

Grangeville, Idaho Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
24.2%
National avg: 17.3%
Median Individual Earnings
$32,318
National avg: $47,340
Poverty Rate
16.3%
National avg: 11.1%
Unemployment Rate
2.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$112/yr
At ID 12-mo avg 3.471% APY

24.2% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 2.0% reflects a strong local economy. At today’s ID 12-month CD average of 3.471%, saving 10% of the local median salary ($3,231/year) and putting it in a CD would earn an additional $112 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 Grangeville, Idaho

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Grangeville, 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 Grangeville, 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 Grangeville, Idaho as everywhere in the U.S.

Choosing a CD Term in Grangeville, 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 Grangeville, Idaho savers easier access to their funds. For example, Potlatch No 1 Financial Credit Union is offering its 6 Month Certificate at 3.70% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Potlatch No 1 Financial Credit Union is offering its 60 Month Certificate at 4.20% 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 Grangeville, 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 Grangeville, 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 Grangeville, 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 Grangeville, 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 Grangeville, Idaho

Most CDs carry a fixed rate that is locked for the entire term, protecting a Grangeville, 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 Grangeville, Idaho

Are CD rates in Grangeville, Idaho FDIC insured?

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

Here are recent top rates found for this area:
  • Potlatch No 1 Financial Credit Union: 4.20% APY (36 Month Certificate)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate)
  • Gesa Credit Union: 4.60% APY (18 Month IRA CD)
  • Advantage Plus Federal Credit Union: 4.50% APY (Share Certificates - 60 months)
  • Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
  • America First Federal Credit Union: 4.50% APY (60 Month Certificate Account)
  • Goldenwest Federal Credit Union: 4.45% APY (24 Month Certificate)
  • Horizon Credit Union: 4.38% APY (12 Month IRA)
  • Idaho Central Credit Union: 4.30% APY (60 Month Promo CD)
  • Westmark Credit Union: 4.25% APY (24 Month IRA Term Certificate)
Rates reflect recent verified offers available in Grangeville, Idaho. Last Updated: October 13, 2026

Grangeville, 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 Grangeville, Idaho rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Grangeville, Idaho CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Grangeville, Idaho. Averages shown use the Idaho state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Grangeville, Idaho

Grangeville, Idaho CD Calculator

At today’s ID top rate of 4.20% APY, a $10,000 deposit earns $420 in the first year. Enter your amount to see your exact return.

Grangeville, Idaho CD Ladder

ID CD rates currently range from 2.542% (3-month) to 3.129% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Grangeville, Idaho CD at 4.20% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Idaho’s average 12-month CD is 3.471% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Grangeville, 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 Grangeville, 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 Grangeville, Idaho. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in ID.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

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