Moscow, 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 Moscow, Idaho and the surrounding area include Idaho Central Credit UnionIdaho Central Credit Union525 W 3rd St, Moscow, ID 83843A+5.0 ★Texas Ratio: 4.09% High-Yield Online Savings Account at 3.25% APY, Banner BankBanner Bank600 S Jackson St, Moscow, ID 83843A+5.0 ★Texas Ratio: 1.69% High Yield Relationship Savings at 2.63% APY, Wells FargoWells Fargo221 S Main St, Moscow, ID 83843A5.0 ★Texas Ratio: 7.44% Retirement High Yield Savings at 0.05% APY, Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit Union828 W Pullman Rd, MOSCOW, ID 83843 2057A+5.0 ★Texas Ratio: 4.34% Idaho Medical 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 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Moscow, 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 Moscow, Idaho (ID) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Moscow, Idaho and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Moscow, Idaho & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
High-Yield Online Savings Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
600 S Jackson St, Moscow, ID 83843
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%
600 S Jackson St, Moscow, ID 83843
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%
600 S Jackson St, Moscow, ID 83843
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%
600 S Jackson St, Moscow, ID 83843
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%
600 S Jackson St, Moscow, ID 83843
High Yield Relationship Savings
2.02%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
600 S Jackson St, Moscow, ID 83843
High Yield Relationship Savings
1.51%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Money Market Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
IRA Money Market Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Money Market Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
IRA Money Market Savings Account
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
IRA Money Market Savings Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Money Market Savings
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
IRA Money Market Savings Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Money Market Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
IRA Savings Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
600 S Jackson St, Moscow, ID 83843
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%.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Central Cents Savings Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Choice Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Coverdell Education Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Health Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Idaho Medical Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Idaho First-Time Home Buyer Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Youth Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Choice Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Coverdell Education Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
IRA Savings Accounts
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Youth Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Youth Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Business Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Secondary Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Share Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
221 S Main St, Moscow, ID 83843
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%
221 S Main St, Moscow, ID 83843
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
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
828 W Pullman Rd, MOSCOW, ID 83843 2057
Idaho Medical Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
828 W Pullman Rd, MOSCOW, ID 83843 2057
Regular Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
828 W Pullman Rd, MOSCOW, ID 83843 2057
Business Savings
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
221 S Main St, Moscow, ID 83843
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%
221 S Main St, Moscow, ID 83843
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%
221 S Main St, Moscow, ID 83843
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
Business Savings Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
525 W 3rd St, Moscow, ID 83843
High-Yield Online Savings Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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
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
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
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
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
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
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
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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.
Moscow, ID Savings Rate Trends
Compare local Moscow, 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
0.370%
▲ 0.216 from last week
Idaho standard savings rates rose 0.216 points this week to 0.370% APY, up from 0.153% last week.
As of Mar 28, 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 Moscow, 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 Moscow, 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 Moscow, 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 Moscow, 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 Moscow, 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 Moscow, 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 Moscow, Idaho?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Moscow, Idaho offer in-person customer service, which some customers prefer.
How do I open a savings account in Moscow, 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 Moscow, Idaho
Here are recent savings rates observed in Moscow, Idaho and the surrounding area:
- Idaho Central Credit Union
High-Yield Online Savings Account — 3.25% APY - Banner Bank
High Yield Relationship Savings — 2.63% APY - Wells Fargo
Retirement High Yield Savings — 0.05% APY - Potlatch No 1 Financial Credit Union
Idaho Medical 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 Moscow, Idaho. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 28, 2026
