Weiser, Idaho CD Rates Today - Compare Best APYs for June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Weiser, Idaho CD rates include Horizon Credit UnionHorizon Credit Union1401 E 6th St, Weiser, ID 83672A+5.0 ★Texas Ratio: 1.46%Real return: +0.81%APY minus CPI (February 2026) offering 12 Month IRA at 3.61% APY, Health Care Idaho Credit UnionHealth Care Idaho Credit UnionA+5.0 ★Texas Ratio: 5.45%Real return: +1.40%APY minus CPI (February 2026) offering 18-Month Promo CD at 4.20% APY, Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 10.12%Real return: +1.40%APY minus CPI (February 2026) offering 24-month Certificate at 4.20% APY, America First Federal Credit UnionAmerica First Federal Credit UnionA5.0 ★Texas Ratio: 7.26%Real return: +1.30%APY minus CPI (February 2026) offering 60 Months at 4.10% APY, and Goldenwest Federal Credit UnionGoldenwest Federal Credit UnionA+5.0 ★Texas Ratio: 1.97%Real return: +1.20%APY minus CPI (February 2026) offering 60 Month Certificate at 4.00% APY. CD rates as of June 3, 2026 according to verified data from MonitorBankRates.
Weiser has 14 local institutions in our database, with CD rates as high as 3.61% APY from Horizon Credit Union at 1401 E 6th St, Weiser, ID 83672. 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 — 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: June 3, 2026
Compare Best CD Rates in Weiser, Idaho & the Surrounding Area
Weiser 3 Month CD Rates
Payment Frequency: Maturity
Payment Frequency: Maturity
$1,000.00 Minimum Balance
$1,000.00 Minimum Balance
Additional terms are available at a branch
Additional terms are available at a branch
Weiser 6 Month CD Rates
$500 minimum deposit to earn APY *APY = Annual Percentage Yield. 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.
An unlimited Add-on CD allows the bearer to make unlimited deposits into a CD account during the maturity term.
Payment Frequency: Maturity
Payment Frequency: Maturity
As High As
$1000.00
$1,000.00 Minimum Balance
Additional terms are available at a branch
Additional terms are available at a branch
Weiser 12 Month CD Rates
$500.00 Minimum Opening Deposit; With .25% Bonus*
$500.00 Minimum Opening Deposit
regular only
Payment Frequency: Maturity
Payment Frequency: Maturity
$1000.00
$1,000.00 Minimum Balance - Early Withdrawal 30 day Penalty
$1,000.00 Minimum Balance - Early Withdrawal 30 day Penalty
Additional terms are available at a branch
Additional terms are available at a branch
Weiser 18 Month CD Rates
limited-tine offer lasts
Payment Frequency: Semiannually
Payment Frequency: Semiannually
Weiser 24 Month CD Rates
$500.00 Minimum Opening Deposit
Payment Frequency: Annually
Payment Frequency: Annually
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
Weiser 36 Month CD Rates
$500.00 Minimum Opening Deposit
Payment Frequency: Annually
Payment Frequency: Annually
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
Weiser 48 Month CD Rates
$500.00 Minimum Opening Deposit
Weiser 60 Month CD Rates
$500.00 Minimum Opening Deposit
Payment Frequency: Annually
Payment Frequency: Annually
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Weiser, ID CD Rate Trends
Compare local Weiser, 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.
Idaho 12-month CD rates rose 0.140 points over the past 7 days to 3.089% APY.
Idaho 6-month CD rates rose 0.158 points over the past 7 days to 2.989% APY.
ID CD Rate Forecast — Next 12 Months
Where are Idaho CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.146% | $107.32 | $214.63 | $536.58 | $1,073.15 |
| 6-Month CD | 2.989% | $149.45 | $298.89 | $747.23 | $1,494.45 |
| 12-Month CD | 3.089% | $154.45 | $308.90 | $772.25 | $1,544.50 |
| 18-Month CD | 2.987% | $149.36 | $298.72 | $746.80 | $1,493.60 |
| 24-Month CD | 2.978% | $148.91 | $297.82 | $744.55 | $1,489.10 |
| 36-Month CD | 2.668% | $133.41 | $266.81 | $667.03 | $1,334.05 |
| 48-Month CD | 2.749% | $137.45 | $274.89 | $687.23 | $1,374.45 |
| 60-Month CD | 3.006% | $150.28 | $300.56 | $751.40 | $1,502.80 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 3, 2026. | |||||
Sample CD Ladder for Weiser, Idaho Savers
$25,000 split equally across 5 terms using today’s Idaho average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | ID Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.146% | $107.32 |
| 2 | 6-Month CD | $5,000 | 2.989% | $149.45 |
| 3 | 12-Month CD | $5,000 | 3.089% | $154.45 |
| 4 | 24-Month CD | $5,000 | 2.978% | $148.91 |
| 5 | 36-Month CD | $5,000 | 2.668% | $133.41 |
| Total ($25,000 invested) | $25,000 | 2.774% blended | $693.54/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.
Tracked in Weiser, Idaho
About Our Weiser, Idaho CD Rate Database
MonitorBankRates tracks 199 CD rates from 10 banks and 22 credit unions with locations in Weiser, Idaho, plus national online institutions available to Idaho residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Horizon Credit Union offers a CD at 3.61% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Weiser, Idaho.
How to Find the Best CD Rates in Weiser, Idaho
What to compare when shopping for a CD in Weiser, Idaho
To find the best APYs in Weiser, Idaho, start with credit unions and online-only banks — Weiser, Idaho has 22 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 Weiser, 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 Weiser, Idaho — 32 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Weiser, Idaho savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Weiser, Idaho money market rates
Weiser, Idaho Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
25.3% 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. At today’s ID 12-month CD average of 3.089%, saving 10% of the local median salary ($3,148/year) and putting it in a CD would earn an additional $97 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 Weiser, Idaho
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Weiser, 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 Weiser, 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 Weiser, Idaho as everywhere in the U.S.
Choosing a CD Term in Weiser, 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 Weiser, Idaho savers easier access to their funds. For example, Horizon Credit Union is offering its 6 Month at 3.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Horizon Credit Union is offering its 60 Month at 3.55% 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 Weiser, 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 Weiser, 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 Weiser, 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 Weiser, 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 Weiser, Idaho
Most CDs carry a fixed rate that is locked for the entire term, protecting a Weiser, 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 Weiser, Idaho
Are CD rates in Weiser, Idaho FDIC insured?
Do I have to pay state taxes on CD interest in Weiser, Idaho?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Weiser, Idaho?
- Horizon Credit Union: 3.61% APY (12 Month IRA)
- Health Care Idaho Credit Union: 4.20% APY (18-Month Promo CD)
- Mountain America Federal Credit Union: 4.20% APY (24-month Certificate)
- America First Federal Credit Union: 4.10% APY (60 Months)
- Goldenwest Federal Credit Union: 4.00% APY (60 Month Certificate)
- Summit National Bank: 4.00% APY (6 Month CD)
- Numerica Credit Union: 4.00% APY (12 month Certificates and IRA Certificates)
- Westmark Credit Union: 3.95% APY (IRA Term Certificates 12 Months)
- Idaho United Credit Union: 3.90% APY (6 Month Promo CD)
- Gesa Credit Union: 3.90% APY (IRA Bump CD 12 Months)
CD Calculators for Weiser, Idaho
At today’s ID top rate of 3.61% APY, a $10,000 deposit earns $361 in the first year. Enter your amount to see your exact return.
Weiser, Idaho CD LadderID CD rates currently range from 2.146% (3-month) to 2.668% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Weiser, Idaho CD at 3.61% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsIdaho’s average 12-month CD is 3.089% 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 Weiser, 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 Weiser, 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 Weiser, 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.
