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Idaho Savings Rate Trends

Boise, Idaho (ID) Savings Rates - March 2026

The best savings rates for Boise, Idaho and the surrounding area include Pioneer Federal Credit UnionPioneer Federal Credit Union5918 W State St, Boise, ID 83703A5.0 ★Texas Ratio: 10.77% Loyalty Savings at 5.00% APY, Westmark Credit UnionWestmark Credit Union871 E Parkcenter Blvd, Boise, ID 83706A+5.0 ★Texas Ratio: 2.97% First Time Home Buyer Savings at 4.00% APY, CAPITAL EDUCATORSCAPITAL EDUCATORS12195 W McMillan Rd, Boise, ID 83713 2475A5.0 ★Texas Ratio: 7.10% Business Money Market Savings Account at 4.00% APY, Health Care Idaho Credit UnionHealth Care Idaho Credit Union208 W Jefferson St, Boise, ID 83702 6044A+5.0 ★Texas Ratio: 5.80% High-Yield Online Savings at 3.25% APY, and Idaho Central Credit UnionIdaho Central Credit Union401 W Front St, Boise, ID 83702 5157A+5.0 ★Texas Ratio: 4.09% High-Yield Online Savings Account at 3.25% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Boise, Idaho, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Boise, Idaho (ID) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Boise, Idaho and the surrounding area. Last Updated and Verified: March 25, 2026

Compare the Best Savings Rates in Boise, Idaho & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
5918 W State St, Boise, ID 83703
Loyalty Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
5918 W State St, Boise, ID 83703
High Yield Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
871 E Parkcenter Blvd, Boise, ID 83706
First Time Home Buyer Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Business Money Market Savings Account
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
5918 W State St, Boise, ID 83703
High Yield Savings
3.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Health Care Idaho Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
208 W Jefferson St, Boise, ID 83702 6044
High-Yield Online Savings
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

As High As

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
401 W Front St, Boise, ID 83702 5157
High-Yield Online Savings Account
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Business Money Market Savings Account
3.20%
$0
Rate3.15%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
12598 W Explorer Dr, Boise, ID 83713 1552
HomeStart Savings
3.03%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifications Required: Bundle with a Horizon checking account (excluding - Tether and Explorer Checking); Log on to online banking at least one time each calendar month; Receive at least one direct deposit that successfully posts to an account in the membership each calendar month; Conduct a minimum of 15 debit card transactions via the checking account in each calendar month; Be enrolled in electronic statements; Qualifying balance up to $50,000; $2,000 lender credit for first-time homebuyers

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
5918 W State St, Boise, ID 83703
High Yield Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Business Money Market Savings Account
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
950 W Bannock St, Boise, ID 83702
High Yield Relationship Savings
2.63%
$25,000
Rate0.00%
Min Deposit$25,000
Min Balance
UpdatedMar 25, 2026
Details

Minimum opening balance of $25,000 must be new money to Banner Bank. A Banner Bank checking account is required to open a High Yield Relationship Savings account.

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
950 W Bannock St, Boise, ID 83702
High Yield Relationship Savings
2.58%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
950 W Bannock St, Boise, ID 83702
High Yield Relationship Savings
2.53%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
5918 W State St, Boise, ID 83703
High Yield Savings
2.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
871 E Parkcenter Blvd, Boise, ID 83706
High-Yield Savings Account
2.35%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
871 E Parkcenter Blvd, Boise, ID 83706
High-Yield Savings Account
2.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
950 W Bannock St, Boise, ID 83702
High Yield Relationship Savings
2.28%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
871 E Parkcenter Blvd, Boise, ID 83706
High-Yield Savings Account
2.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
5918 W State St, Boise, ID 83703
High Yield Savings
2.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
871 E Parkcenter Blvd, Boise, ID 83706
High-Yield Savings Account
2.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
950 W Bannock St, Boise, ID 83702
High Yield Relationship Savings
2.02%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Business Money Market Savings Account
1.75%
$0
Rate1.74%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
5918 W State St, Boise, ID 83703
High Yield Savings
1.70%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
950 W Bannock St, Boise, ID 83702
High Yield Relationship Savings
1.51%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
High Yield Savings
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Qualifying balance up to $50,000.00

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Business Money Market Savings Account
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
5918 W State St, Boise, ID 83703
High Yield Savings
1.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
5918 W State St, Boise, ID 83703
High Yield Savings
1.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
401 W Front St, Boise, ID 83702 5157
Money Market Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
401 W Front St, Boise, ID 83702 5157
IRA Money Market Savings Account
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
871 E Parkcenter Blvd, Boise, ID 83706
Medical Savings
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
5918 W State St, Boise, ID 83703
High Yield Savings
0.80%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
401 W Front St, Boise, ID 83702 5157
IRA Money Market Savings Account
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
401 W Front St, Boise, ID 83702 5157
Money Market Savings
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
401 W Front St, Boise, ID 83702 5157
IRA Money Market Savings Account
0.60%
$0
Rate0.60%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
401 W Front St, Boise, ID 83702 5157
Money Market Savings
0.60%
$0
Rate0.60%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
5918 W State St, Boise, ID 83703
High Yield Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Rise Youth and Young Adult Savings Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Education Savings Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
401 W Front St, Boise, ID 83702 5157
Money Market Savings
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
401 W Front St, Boise, ID 83702 5157
IRA Money Market Savings Account
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
5918 W State St, Boise, ID 83703
ROTH IRA Savings
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

All accounts require a minimum balance of $100 to earn APY

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
5918 W State St, Boise, ID 83703
IRA Savings
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

All accounts require a minimum balance of $100 to earn APY

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Commercial Business Savings Account
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
950 W Bannock St, Boise, ID 83702
High Yield Relationship Savings
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

If relationship balance is below $25,000, Annual Percentage Yield (APY) is 0.25%.

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Commercial Business Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Commercial Business Savings Account
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Idaho First-time Home Buyer Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Commercial Business Savings Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Commercial Business Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Idaho MSA Savings Account
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Primary Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Basic Business Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5161 W Overland Rd, Boise, ID 83705
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5161 W Overland Rd, Boise, ID 83705
Platinum Savings
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Secondary Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5161 W Overland Rd, Boise, ID 83705
Platinum Savings
0.02%
$25
Rate0.02%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5161 W Overland Rd, Boise, ID 83705
Platinum Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5161 W Overland Rd, Boise, ID 83705
Way2Save® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

$25 minimum opening deposit

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.

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 Savings Rate Trends

Compare local Boise, ID savings rate quotes against the statewide average

Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Idaho Savings Trends →
High-Yield Savings — ID Avg
1.174%
▼ 0.326 from last week

Idaho high-yield savings rates fell 0.326 points this week to 1.174% APY, down from 1.500% last week.

Standard Savings — ID Avg
0.379%
▲ 0.039 from last week

Idaho standard savings rates rose 0.039 points this week to 0.379% APY, up from 0.340% last week.

As of Mar 26, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings 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 savings 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 competitive regional banks to large national institutions available to savers in ID.

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

Frequently Asked Questions about Savings Accounts in Boise, Idaho

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Idaho, help your money grow faster through a higher APY.

Are savings accounts in Boise, 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 savings rates change in Boise, Idaho?

Savings 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.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Boise, Idaho may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Boise, Idaho?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Boise, Idaho offer in-person customer service, which some customers prefer.

How do I open a savings account in Boise, Idaho?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Boise, Idaho

Here are recent savings rates observed in Boise, Idaho and the surrounding area:
  • Pioneer Federal Credit Union
    Loyalty Savings — 5.00% APY
  • Westmark Credit Union
    First Time Home Buyer Savings — 4.00% APY
  • CAPITAL EDUCATORS
    Business Money Market Savings Account — 4.00% APY
  • Health Care Idaho Credit Union
    High-Yield Online Savings — 3.25% APY
  • Idaho Central Credit Union
    High-Yield Online Savings Account — 3.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Boise, Idaho. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026