Best Money Market Rates in Idaho - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Idaho money market deposit account rates include CAPITAL EDUCATORSCAPITAL EDUCATORS12195 W McMillan Rd, Boise, ID 83713 2475A5.0 ★Texas Ratio: 10.63% Business Money Market Savings Account at 4.00% APY, America First Federal Credit UnionAmerica First Federal Credit Union11292 W Fairview Ave, Boise, ID 83713A5.0 ★Texas Ratio: 7.26% Money Market at 3.90% APY, Mountain America Federal Credit UnionMountain America Federal Credit Union3511 S 25th E, Ammon, ID 83406 6101A5.0 ★Texas Ratio: 10.12% Money market at 3.55% APY, Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit Union654 SOUTHWAY AVE, LEWISTON, ID 83501A+5.0 ★Texas Ratio: 4.06% Money Market Account at 3.49% APY, and First FSB of Twin FallsFirst FSB of Twin Falls383 Shoshone St N, Twin Falls, ID 83301A+5.0 ★Texas Ratio: 0.24% Business Money Market at 3.04% APY. Money market rates as of July 12, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Idaho side-by-side. Idaho money market rates currently reach as high as 4.00% APY from CAPITAL EDUCATORS at 12195 W McMillan Rd, Boise, ID 83713 2475. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Idaho and surrounding area. Last Updated and Verified: July 12, 2026
Compare the Best Money Market Rates Today in Idaho
Balance: $1,000,000.00+
$1,000,000 +; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 7/10/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Balance: $250,000.00-$999,999.99
$250,000 - $999,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 7/10/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Average Daily Balance Range: Equal to or greater than $2,500,000.00
Balance Range: Equal to or greater than $2,500,000.00
APY is accurate as of the last dividend declaration date. Rate is variable and balance tiers may change after account is opened. STCU membership is required to open account and fees may reduce earnings. STCU allows up to six (6) pre-authorized, automatic, or remote (such as online and mobile banking) transfers to another account, including other accounts you own, per calendar month. A $5 "excess item fee" may be charged for the first three items above that limit, and $15 for each additional item after that. See transaction limits. Federally insured up to NCUA limits.
Balance: $100,000.00-$249,999.99
Average Daily Balance Range: Equal to or greater than $1,000,000.00 but less than $2,500,000.00
Balance Range: Equal to or greater than $1,000,000.00 but less than $2,500,000.00
$100,000 - $249,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 7/10/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Balance Range: Equal to or greater than $500,000.00 but less than $1,000,000.00
Average Daily Balance Range: Equal to or greater than $500,000.00 but less than $1,000,000.00
Balance: $50,000.00-$99,999.99
Interest Rate**
$50,000 - $99,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 7/10/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Balance: $25,000.00-$49,999.99
Balance Range: Equal to or greater than $250,000.00 but less than $500,000.00
Average Daily Balance Range: Equal to or greater than $250,000.00 but less than $500,000.00
Money market savings balance over $10,000
$25,000 - $49,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 7/10/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Balance: $10,000.00-$24,999.99
Balance Range: Equal to or greater than $100,000.00 but less than $250,000.00
Average Daily Balance Range: Equal to or greater than $100,000.00 but less than $250,000.00
Balance: $5,000.00-$9,999.99
Balance Range: Equal to or greater than $50,000.00 but less than $100,000.00
Average Daily Balance Range: Equal to or greater than $50,000.00 but less than $100,000.00
Average Daily Balance Range: Equal to or greater than $25,000.00 but less than $50,000.00
Balance Range: Equal to or greater than $25,000.00 but less than $50,000.00
Balance Range: Equal to or greater than $10,000.00 but less than $25,000.00
Average Daily Balance Range: Equal to or greater than $10,000.00 but less than $25,000.00
Balance Range: Equal to or greater than $1,000.00 but less than $10,000.00
Average Daily Balance Range: Equal to or greater than $1,000.00 but less than $10,000.00
Balance Range: Below $1,000.00
Average Daily Balance Range: Below $1,000.00
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Idaho Money Market Rate Trends
Compare local Idaho money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Idaho high-yield MMA rates fell 0.018 points over the past 7 days to 3.046% APY.
Idaho standard MMA rates fell 0.004 points over the past 7 days to 1.013% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Idaho money market 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 Money Market Rate Data: We aggregate money market deposit account rates for Idaho directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed 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 Idaho. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in ID.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Idaho
What is a Money Market Account (MMA)?
Are Money Market accounts in Idaho safe?
How often do MMA rates change in Idaho?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Idaho?
Best Money Market Rates in Idaho
- CAPITAL EDUCATORS
Business Money Market Savings Account — 4.00% APY - America First Federal Credit Union
Money Market — 3.90% APY - Mountain America Federal Credit Union
Money market — 3.55% APY - Potlatch No 1 Financial Credit Union
Money Market Account — 3.49% APY - First FSB of Twin Falls
Business Money Market — 3.04% APY
Cities in Idaho
