Business CDs & SEPs


Business CDs

Idaho Central Business Certificates of Deposit (CDs) pay you a fixed rate of return with a variety of terms available. They're the perfect choice for risk-free saving for your business and you can invest as little as $500. Funds in all Idaho Central accounts are federally insured up to $250,000.

  • Guaranteed savings rate for your business
  • Terms ranging from 90 days to 5 years
  • 10-day renewal grace period
  • One-time deposit in the first 60 days
See Rates

Business SEPs

A SEP is a retirement plan through which an employer makes contributions to IRAs of eligible employees.

  • SEPs meet the needs of small employers with few employees and limited resources
  • A self-employed person can make SEP contributions to his or her own IRA
  • SEPs are easily established and maintained unlike traditional retirement plans (401K)