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Best Money Market Rates in Idaho Falls, Idaho (ID) - May 2026

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Brian McKay Brian McKay
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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 | Last Updated: May 12, 2026

Current Idaho Falls, Idaho and the surrounding area money market deposit account rates include Mountain America Federal Credit UnionMountain America Federal Credit Union525 W Sunnyside Rd, Idaho Falls, ID 83402 4641A5.0 ★Texas Ratio: 11.38% Money market at 3.55% APY, Lookout Federal Credit UnionLookout Federal Credit Union2255 E Sunnyside Rd, Idaho Falls, ID 83404A5.0 ★Texas Ratio: 9.01% Money Market Plus Savings at 3.00% APY, Frontier Credit UnionFrontier Credit Union1170 Science Center Dr, Idaho Falls, ID 83402 1506A5.0 ★Texas Ratio: 6.40% Velocity Money Market at 2.02% APY, The Bank of CommerceThe Bank of Commerce375 Yellowstone Ave, Idaho Falls, ID 83402A+5.0 ★Texas Ratio: 1.34% Money Market Account at 2.00% APY, and Westmark Credit UnionWestmark Credit Union815 1st St, Idaho Falls, ID 83401 4080A+5.0 ★Texas Ratio: 2.97% Premium Money Market at 2.00% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Idaho Falls has 6 local institutions in our database, with money market rates as high as 3.55% APY from Mountain America Federal Credit Union at 525 W Sunnyside Rd, Idaho Falls, ID 83402 4641. Use the table below to compare all available offers, including options from institutions serving the broader Idaho area. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Idaho Falls, Idaho and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Idaho Falls, Idaho & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
525 W Sunnyside Rd, Idaho Falls, ID 83402 4641
Money market
3.55%
$0
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
525 W Sunnyside Rd, Idaho Falls, ID 83402 4641
Money market
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Lookout Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2255 E Sunnyside Rd, Idaho Falls, ID 83404
Money Market Plus Savings
3.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Check out our Money Market Plus New Money Promo that pays 3.00% APY

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
525 W Sunnyside Rd, Idaho Falls, ID 83402 4641
Money market
2.40%
$0
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Velocity Money Market
2.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
375 Yellowstone Ave, Idaho Falls, ID 83402
Money Market Account
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Westmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
Premium Money Market
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
525 W Sunnyside Rd, Idaho Falls, ID 83402 4641
Money market
1.90%
$0
View
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Westmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
Platinum Money Market
1.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Velocity Money Market
1.51%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $150,000.00

Lookout Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2255 E Sunnyside Rd, Idaho Falls, ID 83404
Money Market Plus Savings
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Money market savings balance over $10,000

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
525 W Sunnyside Rd, Idaho Falls, ID 83402 4641
Money market
1.45%
$0
View
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
525 W Sunnyside Rd, Idaho Falls, ID 83402 4641
Money market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Velocity Money Market
1.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $100,000.00

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
3330 S 15th E, Idaho Falls, ID 83404 8321
IRA Money Market Savings Account
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
3330 S 15th E, Idaho Falls, ID 83404 8321
Money Market Savings
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Westmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
IRA Money Market
1.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
525 W Sunnyside Rd, Idaho Falls, ID 83402 4641
Money market
0.85%
$0
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Lookout Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2255 E Sunnyside Rd, Idaho Falls, ID 83404
Money Market Checking
0.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
3330 S 15th E, Idaho Falls, ID 83404 8321
Money Market Savings
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
3330 S 15th E, Idaho Falls, ID 83404 8321
IRA Money Market Savings Account
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
3330 S 15th E, Idaho Falls, ID 83404 8321
IRA Money Market Savings Account
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
3330 S 15th E, Idaho Falls, ID 83404 8321
Money Market Savings
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Velocity Money Market
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $75,000.00

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
525 W Sunnyside Rd, Idaho Falls, ID 83402 4641
Money market
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
3330 S 15th E, Idaho Falls, ID 83404 8321
IRA Money Market Savings Account
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
3330 S 15th E, Idaho Falls, ID 83404 8321
Money Market Savings
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Business Money Market
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Business Money Market
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Money Market
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Velocity Money Market
0.20%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $50,000.00

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Money Market
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Business Money Market
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Business Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Money Market
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr, Idaho Falls, ID 83402 1506
Business Money Market
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
3330 S 15th E, Idaho Falls, ID 83404 8321
Money Market Savings
0.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
3330 S 15th E, Idaho Falls, ID 83404 8321
IRA Money Market Savings Account
0.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market
12.00%
$0
View
▼
Rate11.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $1,200.00

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Business Money Market Savings Account
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
3.90%
$0
View
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
3.49%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying Bump Rate

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
3.45%
$0
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
3.39%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying Bump Rate

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
3.29%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying Bump Rate

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Business Money Market Savings Account
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Elite Money Market Savings
3.01%
$50
View
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $25,000.00

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Elite Money Market Savings*
3.01%
$0
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
MyMoney Market
3.00%
$0
View
▼
Rate2.98%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Spokane Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
Member Preferred Money Market
2.79%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Minimum $500,000. APY effective 12/2/25

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Business Money Market Savings Account
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Money Market
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
2.58%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying Bump Rate

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Money Market Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Money Market Account
2.47%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying Bump Rate

Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Money Market Plus Accounts
2.05%
$0
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Summit National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Premier Money Markets
2.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Minimum to Open

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Money Market Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.80%
$0
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Money Market Checking
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Business Money Market Savings Account
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.65%
$0
View
▼
Rate1.64%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★ Texas Ratio: 15.15%
Money Market Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Money Market Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Business Money Market Savings Account
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.45%
$0
View
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Premier Money Market Savings*
1.36%
$0
View
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $999,999.99

Northwest Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Money Market Plus - Personal & Business
1.35%
$0
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Premier Money Market Savings*
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $499,999.99

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
Money Market Checking
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Premier Money Market Savings*
1.16%
$0
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Qualifying balance up to $99,999.99

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Money Market Savings
1.06%
$0
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★ Texas Ratio: 15.15%
Money Market Checking
0.95%
$0
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★ Texas Ratio: 15.15%
Money Market Checking
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★ Texas Ratio: 15.15%
Money Market Checking
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
Money Market
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

CUTTING EDGE
Institution Rating:
B+4.8 ★ Texas Ratio: 17.24%
Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Idaho Falls, Idaho and the surrounding area.

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 Falls, ID Money Market Rate Trends

Compare local Idaho Falls, 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.

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High-Yield MMA — ID Avg
3.070%
Unchanged vs 7 days ago

Idaho high-yield MMA rates currently average 3.070% APY.

Standard MMA — ID Avg
1.372%
Unchanged vs 7 days ago

Idaho standard MMA rates currently average 1.372% APY.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Idaho Falls, 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 Falls, 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 Falls, 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 Falls, Idaho

What is a Money Market Account (MMA)?

A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Idaho.

Are Money Market accounts in Idaho Falls, Idaho safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Idaho up to $250,000 per depositor, per institution.

How often do MMA rates change in Idaho Falls, Idaho?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Idaho rate tables daily to ensure you see the most current high-yield options.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

How much do I need to deposit to open a money market account in Idaho Falls, Idaho?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Idaho Falls, Idaho require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.

Best Money Market Rates in Idaho Falls, Idaho

Here are some of the highest money market account APYs currently available in Idaho Falls, Idaho and the surrounding area:
  • Mountain America Federal Credit Union
    Money market — 3.55% APY
  • Lookout Federal Credit Union
    Money Market Plus Savings — 3.00% APY
  • Frontier Credit Union
    Velocity Money Market — 2.02% APY
  • The Bank of Commerce
    Money Market Account — 2.00% APY
  • Westmark Credit Union
    Premium Money Market — 2.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Idaho Falls, Idaho. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026

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