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Idaho Savings Rate Trends

Caldwell, Idaho (ID) Savings Rates - March 2026

The best savings rates for Caldwell, Idaho and the surrounding area include Pioneer Federal Credit UnionPioneer Federal Credit Union608 E Ustick Rd, Caldwell, ID 83605A5.0 ★Texas Ratio: 10.77% Loyalty Savings at 5.00% APY, CAPITAL EDUCATORSCAPITAL EDUCATORS2613 Cleveland Blvd, Caldwell, ID 83605A5.0 ★Texas Ratio: 7.10% Business Money Market Savings Account at 4.00% APY, Idaho Central Credit UnionIdaho Central Credit Union4821 Cleveland Blvd, Caldwell, ID 83605A+5.0 ★Texas Ratio: 4.09% High-Yield Online Savings Account at 3.25% APY, Wells FargoWells Fargo823 Cleveland Blvd, Caldwell, ID 83605A5.0 ★Texas Ratio: 7.44% Platinum Savings at 0.05% APY, and First FSB of Twin FallsFirst FSB of Twin Falls383 Shoshone St N, Twin Falls, ID 83301A+5.0 ★Texas Ratio: 0.24% SuperSaver Savings at 10.47% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Caldwell, 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 Caldwell, Idaho (ID) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Caldwell, Idaho and the surrounding area. Last Updated and Verified: March 26, 2026

Compare the Best Savings Rates in Caldwell, 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%
608 E Ustick Rd, Caldwell, ID 83605
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%
608 E Ustick Rd, Caldwell, ID 83605
High Yield Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2613 Cleveland Blvd, Caldwell, ID 83605
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%
608 E Ustick Rd, Caldwell, ID 83605
High Yield Savings
3.50%
$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%
4821 Cleveland Blvd, Caldwell, ID 83605
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%
2613 Cleveland Blvd, Caldwell, ID 83605
Business Money Market Savings Account
3.20%
$0
Rate3.15%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID 83605
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%
2613 Cleveland Blvd, Caldwell, ID 83605
Business Money Market Savings Account
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID 83605
High Yield Savings
2.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID 83605
High Yield Savings
2.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2613 Cleveland Blvd, Caldwell, ID 83605
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%
608 E Ustick Rd, Caldwell, ID 83605
High Yield Savings
1.70%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2613 Cleveland Blvd, Caldwell, ID 83605
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%
2613 Cleveland Blvd, Caldwell, ID 83605
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%
608 E Ustick Rd, Caldwell, ID 83605
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%
608 E Ustick Rd, Caldwell, ID 83605
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%
4821 Cleveland Blvd, Caldwell, ID 83605
IRA Money Market Savings Account
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%
4821 Cleveland Blvd, Caldwell, ID 83605
Money Market Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID 83605
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%
4821 Cleveland Blvd, Caldwell, ID 83605
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%
4821 Cleveland Blvd, Caldwell, ID 83605
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%
4821 Cleveland Blvd, Caldwell, ID 83605
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%
4821 Cleveland Blvd, Caldwell, ID 83605
Money Market Savings
0.60%
$0
Rate0.60%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2613 Cleveland Blvd, Caldwell, ID 83605
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%
2613 Cleveland Blvd, Caldwell, ID 83605
Education Savings Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
608 E Ustick Rd, Caldwell, ID 83605
High Yield Savings
0.50%
$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%
4821 Cleveland Blvd, Caldwell, ID 83605
IRA Money Market Savings Account
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%
4821 Cleveland Blvd, Caldwell, ID 83605
Money Market Savings
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%
608 E Ustick Rd, Caldwell, ID 83605
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%
608 E Ustick Rd, Caldwell, ID 83605
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

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2613 Cleveland Blvd, Caldwell, ID 83605
Commercial Business Savings Account
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID 83605
Central Cents Savings Accounts
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID 83605
Choice Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID 83605
Coverdell Education Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID 83605
Health Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID 83605
Idaho First-Time Home Buyer Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID 83605
Idaho Medical Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID 83605
IRA Savings Accounts
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4821 Cleveland Blvd, Caldwell, ID 83605
Youth Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2613 Cleveland Blvd, Caldwell, ID 83605
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%
2613 Cleveland Blvd, Caldwell, ID 83605
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%
2613 Cleveland Blvd, Caldwell, ID 83605
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%
2613 Cleveland Blvd, Caldwell, ID 83605
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%
2613 Cleveland Blvd, Caldwell, ID 83605
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%
2613 Cleveland Blvd, Caldwell, ID 83605
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%
2613 Cleveland Blvd, Caldwell, ID 83605
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%
823 Cleveland Blvd, Caldwell, ID 83605
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

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
823 Cleveland Blvd, Caldwell, ID 83605
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2613 Cleveland Blvd, Caldwell, ID 83605
Basic Business 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%
2613 Cleveland Blvd, Caldwell, ID 83605
Primary 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%
823 Cleveland Blvd, Caldwell, ID 83605
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%
823 Cleveland Blvd, Caldwell, ID 83605
Way2Save® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

$25 minimum opening deposit

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
823 Cleveland Blvd, Caldwell, ID 83605
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

First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
383 Shoshone St N, Twin Falls, ID 83301
SuperSaver Savings
10.47%
$0
Rate10.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
383 Shoshone St N, Twin Falls, ID 83301
SuperSaver Savings
7.79%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
383 Shoshone St N, Twin Falls, ID 83301
SuperSaver Savings
5.00%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
383 Shoshone St N, Twin Falls, ID 83301
SuperSaver Savings
4.40%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
IRA Variable Rate Savings
3.56%
$50
Rate3.50%
Min Deposit$50
Min Balance
UpdatedMar 16, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
$mart Cents savings
3.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $5,000.00

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
$mart Cents Savings
3.44%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 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.

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.

Caldwell, ID Savings Rate Trends

Compare local Caldwell, 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 Caldwell, 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 Caldwell, 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 Caldwell, 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 Caldwell, 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 Caldwell, 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 Caldwell, 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 Caldwell, Idaho?

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

How do I open a savings account in Caldwell, 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 Caldwell, Idaho

Here are recent savings rates observed in Caldwell, Idaho and the surrounding area:
  • Pioneer Federal Credit Union
    Loyalty Savings — 5.00% APY
  • CAPITAL EDUCATORS
    Business Money Market Savings Account — 4.00% APY
  • Idaho Central Credit Union
    High-Yield Online Savings Account — 3.25% APY
  • Wells Fargo
    Platinum Savings — 0.05% APY
  • First FSB of Twin Falls
    SuperSaver Savings — 10.47% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Caldwell, Idaho. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026