Middleton, Idaho (ID) Savings Rates - March 2026
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The savings 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.
The best savings rates for Middleton, Idaho and the surrounding area include Pioneer Federal Credit UnionPioneer Federal Credit Union551 S Middleton Rd, Middleton, ID 83644 5992A5.0 ★Texas Ratio: 10.77% Loyalty Savings at 5.00% APY, Clarity Credit UnionClarity Credit Union3 W Main ST, Middleton, ID 83644A5.0 ★Texas Ratio: 9.81% Kids Savings at 0.25% APY, Responders Emergency Services Credit UnionResponders Emergency Services Credit Union3640 E Seltice Way, Post Falls, ID 83854A+5.0 ★Texas Ratio: 0.00% Savings Account at 12.00% APY, 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, and Spokane Teachers Credit UnionSpokane Teachers Credit Union3903 E Primrose Ln, Post Falls, ID 83854A+5.0 ★Texas Ratio: 3.44% First5 Savings at 5.10% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Middleton, 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 Middleton, Idaho (ID) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Middleton, Idaho and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Middleton, 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%
551 S Middleton Rd, Middleton, ID 83644 5992
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%
551 S Middleton Rd, Middleton, ID 83644 5992
High Yield Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
551 S Middleton Rd, Middleton, ID 83644 5992
High Yield Savings
3.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
551 S Middleton Rd, Middleton, ID 83644 5992
High Yield Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
551 S Middleton Rd, Middleton, ID 83644 5992
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%
551 S Middleton Rd, Middleton, ID 83644 5992
High Yield Savings
2.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
551 S Middleton Rd, Middleton, ID 83644 5992
High Yield Savings
1.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
551 S Middleton Rd, Middleton, ID 83644 5992
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%
551 S Middleton Rd, Middleton, ID 83644 5992
High Yield Savings
1.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
551 S Middleton Rd, Middleton, ID 83644 5992
High Yield Savings
0.80%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
551 S Middleton Rd, Middleton, ID 83644 5992
High Yield Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
551 S Middleton Rd, Middleton, ID 83644 5992
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%
551 S Middleton Rd, Middleton, ID 83644 5992
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
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
3 W Main ST, Middleton, ID 83644
Kids Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
3 W Main ST, Middleton, ID 83644
Regular Share Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
3 W Main ST, Middleton, ID 83644
Idaho Medical Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
551 S Middleton Rd, Middleton, ID 83644 5992
Super Star Youth Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
551 S Middleton Rd, Middleton, ID 83644 5992
Special Purpose Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
551 S Middleton Rd, Middleton, ID 83644 5992
Regular Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
551 S Middleton Rd, Middleton, ID 83644 5992
Health Savings
0.05%
$0
▼
Rate0.05%
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%
551 S Middleton Rd, Middleton, ID 83644 5992
Health Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
551 S Middleton Rd, Middleton, ID 83644 5992
Idaho Medical Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
3 W Main ST, Middleton, ID 83644
Share Draft Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3640 E Seltice Way, Post Falls, ID 83854
Savings Account
12.00%
$0
▼
Rate11.39%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Maximum Balance $1,200
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
Spokane Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3903 E Primrose Ln, Post Falls, ID 83854
First5 Savings
5.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
SmartPlus Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $500.00
Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
Explorer Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $500.00; Learn More
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
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
First Time Home Buyer Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Beehive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
1087 Erikson Dr, Rexburg, ID 83440
Missionary Savings
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $12,000.00
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Business Money Market Savings Account
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 16, 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
Health Care Idaho Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
520 S Eagle Rd, Meridian, ID 83642 6351
High-Yield Online Savings
3.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
As High As
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
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Elite Money Market Savings*
3.01%
$0
▼
Rate2.97%
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
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%
1500 Main Ave, Saint Maries, ID 83861
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%
1500 Main Ave, Saint Maries, ID 83861
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%
1500 Main Ave, Saint Maries, ID 83861
High Yield Relationship Savings
2.53%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1500 Main Ave, Saint Maries, ID 83861
High Yield Relationship Savings
2.28%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1500 Main Ave, Saint Maries, ID 83861
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
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1500 Main Ave, Saint Maries, ID 83861
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
Business Money Market Savings Account
1.50%
$0
▼
Rate1.49%
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
High Yield Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $50,000.00
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Premier Money Market Savings*
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Premier Money Market Savings*
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Premier Money Market Savings*
1.16%
$0
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Money Market Savings
1.06%
$0
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 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
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
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
Health Savings account
0.45%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
e-Savings
0.45%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
0.45%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
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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.
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.
Middleton, ID Savings Rate Trends
Compare local Middleton, 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.
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 27, 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 Middleton, 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 Middleton, 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 Middleton, 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 Middleton, 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 Middleton, 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 Middleton, 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 Middleton, Idaho?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Middleton, Idaho offer in-person customer service, which some customers prefer.
How do I open a savings account in Middleton, 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 Middleton, Idaho
Here are recent savings rates observed in Middleton, Idaho and the surrounding area:
- Pioneer Federal Credit Union
Loyalty Savings — 5.00% APY - Clarity Credit Union
Kids Savings — 0.25% APY - Responders Emergency Services Credit Union
Savings Account — 12.00% APY - First FSB of Twin Falls
SuperSaver Savings — 10.47% APY - Spokane Teachers Credit Union
First5 Savings — 5.10% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Middleton, Idaho. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
