Boise, Idaho Money Market Rates - September 2026
Brian McKay
Brian McKay
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Current Boise, Idaho and the surrounding area money market deposit account rates include America First Federal Credit UnionAmerica First Federal Credit Union11292 W Fairview Ave, Boise, ID 83713A5.0 ★Texas Ratio: 7.35%Real return: +1.10%APY minus 2.8% CPI (February 2026) Money Market at 3.90% APY, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union355 S 3rd St, Boise, ID 83702 7689A+5.0 ★Texas Ratio: 2.32%Real return: +0.85%APY minus 2.8% CPI (February 2026) Insured Money Market Account at 3.65% APY, Mountain America Federal Credit UnionMountain America Federal Credit Union10440 W Ustick Rd, Boise, ID 83704 5268A5.0 ★Texas Ratio: 7.84%Real return: +0.75%APY minus 2.8% CPI (February 2026) Business Money market at 3.55% APY, CAPITAL EDUCATORSCAPITAL EDUCATORS12195 W McMillan Rd, Boise, ID 83713 2475A5.0 ★Texas Ratio: 8.66%Real return: +0.69%APY minus 2.8% CPI (February 2026) Business Money Market Savings Account at 3.49% APY, and Northwest BankNorthwest Bank1750 W Front St, Boise, ID 83702A5.0 ★Texas Ratio: 13.98%Real return: -0.30%APY minus 2.8% CPI (February 2026) Money Market Plus - Personal & Business at 2.50% APY. Money market rates as of September 22, 2026 according to verified data from MonitorBankRates.
Boise has 10 local institutions in our database, with money market rates as high as 3.90% APY from America First Federal Credit Union at 11292 W Fairview Ave, Boise, ID 83713. Use the table below to compare all available offers, including options from institutions serving the broader Idaho area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Boise, Idaho and surrounding area. Last Updated and Verified: September 22, 2026
Compare the Best Money Market Rates Today in Boise, Idaho & the Surrounding Area
Balance: $1,000,000.00+
Balance: $1,000,000 +
$1,000,000 +; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. 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: $1,000,000+
Balance: $250,000.00-$999,999.99
Balance: $500,000 - $999,999
Balance: $250,000 - $499,999
$250,000 - $999,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. 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: $100,000.00-$249,999.99
Balance: $100,000 - $249,999
Balance: $500,000 and above
Balance: $250,000 and up
$100,000 - $249,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. 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: $50,000 - $249,999.99
Balance: $50,000.00-$99,999.99
Balance: $75,000 - 249,999.99
Balance: $50,000 - $99,999
$50,000 - $99,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. 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: $25,000 - $49,999.99
Balance: $50,000 - 74,999.99
Balance: $25,000 - $49,999
Balance: $250,000 - $499,999
Balance: $250,000 - $499,999
Balance: $90,000 - $249,999
Balance: $2,500 - $24,999.99
Balance: $25,000 - 49,999.99
Balance: $100,000 - $249,999
$25,000 - $49,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. 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: $100,000 to $349,999; Rates Subject to Change
Balance: $100,000 to $349,999
Balance: $.01 - $99,999
Balance: $2,500 - $24,999.99
Balance: $5,000 - $24,999
Balance: $10,000.00-$24,999.99
Balance: $100,000.01 and above
Balance: $50,000 to $99,999
Balance: $5,000.00-$9,999.99
$10,000 - $24,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. 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: $0 - $4,999
Balance: $0.00-$4,999.99
Balance: 100,000+
Balance: 100,000+
Balance: $25,000 to $99,999; Rates Subject to Change
$2,500 - $9,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. 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.
Maximum $100,000 deposit per client.
Balance: $25,000.01 - $100,000.00
Balance: 50,000-99,999
Balance: 50,000-99,999
Balance: $2500 to $24,999; Rates Subject to Change
Balance: 25,000-49,999
Balance: 25,000-49,999
under $2,500; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. 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: 2,500-24,999
Balance: 2,500-24,999
Balance: $2,500.01 - $25,000.00
Balance: $250,000+
Balance: $100,000.00-$249,99.99
Balance: $15,000 +
Balance: $25,000.00-$49,999.99
Balance: $1,000 - $14,999
Balance: $10,000.00-$24,999.99
Balance: $2,000.00-$9,999.99
Balance: $0.00 - $2,500.00
Balance: $5,000.01 - 50,000.00
Balance: Equal to or greater than $2,500,000.00
Balance: Equal to or greater than $2,500,000.00
Balance: $25,000.00 to $99,999.99
Balance: Equal to or greater than $1,000,000.00 but less than $2,500,000.00
Balance: Equal to or greater than $1,000,000.00 but less than $2,500,000.00
Balance: Equal to or greater than $500,000.00 but less than $1,000,000.00
Balance: Equal to or greater than $500,000.00 but less than $1,000,000.00
Balance: $50,000.00 and over
Balance: Equal to or greater than $250,000.00 but less than $500,000.00
Balance: Equal to or greater than $250,000.00 but less than $500,000.00
Balance: $100,000 and above
Balance: $500,000.00 to $999,999.99
Balance: $500,000.00 to $999,999.99
Balance: $100,000.00 to $499,999.99
Balance: $100,000.00 to $499,999.99
Balance: $5000.00 to $99,999.99
Balance: $5,000.00 to $99,999.99
Balance: Equal to or greater than $100,000.00 but less than $250,000.00
Balance: Equal to or greater than $100,000.00 but less than $250,000.00
Balance: $500.00
Balance: $0.00 - $49,999.99
Balance: $50,000 to $99,999.99
Balance: Equal to or greater than $50,000.00 but less than $100,000.00
Balance: Equal to or greater than $50,000.00 but less than $100,000.00
Balance: $20,000 to $49,999.99
Balance: Equal to or greater than $25,000.00 but less than $50,000.00
Balance: Equal to or greater than $25,000.00 but less than $50,000.00
Balance: $1,000 to $19,999.99
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.
Boise, ID Money Market Rate Trends
Compare local Boise, ID 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 rose 0.008 points over the past 7 days to 3.063% APY.
Idaho standard MMA rates fell 0.042 points over the past 7 days to 0.731% APY.
Boise, Idaho Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current ID high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current ID high-yield money market average of 3.063% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60–90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Boise, Idaho.
Money Market Account Earnings in Boise, Idaho
Annual interest earnings at current ID average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.063% APY) | Monthly Earnings | Standard MMA (0.731% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $306.26 / year | $25.52 | $73.07 / year | $6.09 |
| $25,000 | $765.65 / year | $63.80 | $182.68 / year | $15.22 |
| $50,000 | $1,531.30 / year | $127.61 | $365.35 / year | $30.45 |
| $100,000 | $3,062.60 / year | $255.22 | $730.70 / year | $60.89 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Boise, Idaho money market rate averages as of September 23, 2026. | ||||
About Our Boise, Idaho Money Market Rate Database
MonitorBankRates found 10 institutions with branches in Boise (3 banks, 7 credit unions), plus 12 additional state-chartered and national online institutions available to Boise residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: America First Federal Credit Union offers a money market account at 3.90% APY. Use the rate table above to compare all current offers in Boise, Idaho.
How to Find the Best Money Market Rates in Boise, Idaho
What to compare when shopping for a money market account in Boise, Idaho
To find the best money market APYs in Boise, Idaho, start with credit unions and online-only banks: Boise, Idaho has 15 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000–$25,000, with lower rates (or monthly fees) below that threshold. The current ID high-yield money market average is 3.063% but top local institutions are offering as high as 3.90%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Boise, Idaho high-yield money market rates currently average 3.063% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Boise, Idaho institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 22 institutions in Boise, Idaho report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → Boise, Idaho CD rates
- You don’t need check writing and want a lower minimum → Boise, Idaho savings rates
- You need daily transaction access → Boise, Idaho checking rates
Boise, Idaho Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
16.2% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.6% reflects a strong local economy with solid savings capacity. At today’s ID high-yield money market average of 3.063%, saving 10% of the local median salary ($4,231/year) would earn an additional $130 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Boise, Idaho Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Boise, Idaho.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current ID Avg APY | 3.063% | View Savings Rates | 0.731%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 – $2,500 | $0 – $100 | $25 – $100 | $500 – $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Boise, Idaho averages tracked in our database as of September 23, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Boise, Idaho Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Boise, Idaho rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Boise, Idaho
At ID’s top money market rate of 3.90% from America First Federal Credit Union, a $10,000 deposit earns $390 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Boise, Idaho earner is roughly $10,600. At 3.063% APY in a money market account, saving $880/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountIdaho’s high-yield money market average is 3.063% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Boise, Idaho earner makes $42,312/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.063% APY.
Retirement PlannerA $25,000 money market balance earning 3.063% APY grows to roughly $45,705 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Boise, 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 Boise, Idaho directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. 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 Boise, 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 Boise, Idaho
What is a Money Market Account (MMA)?
Are Money Market accounts in Boise, Idaho safe?
How often do MMA rates change in Boise, Idaho?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Boise, Idaho?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Boise, Idaho for money market accounts?
Best Money Market Rates in Boise, Idaho
- America First Federal Credit Union
Money Market: 3.90% APY - Goldenwest Federal Credit Union
Insured Money Market Account: 3.65% APY - Mountain America Federal Credit Union
Business Money market: 3.55% APY - CAPITAL EDUCATORS
Business Money Market Savings Account: 3.49% APY - Northwest Bank
Money Market Plus - Personal & Business: 2.50% APY
Boise, Idaho Rates & Resources
