Saving with CDs
An Idaho Central Certificate of Deposit (CD) pays you a fixed interest rate with a variety of terms available for your specific needs. We offer terms ranging from 90 days to 5 years. All of our CDs have a low minimum balance of $500 to open. Funds in all Idaho Central accounts are federally insured up to $250,000, and we pay great rates.
See Rates
Personal CD
Term |
APY* |
Interest Rate |
Initial Deposit |
6 Month Promo CD |
2.750% |
2.750% |
$500 |
12 Month Promo CD |
5.000% |
4.908% |
$500 |
18 Month Promo CD |
4.000% |
3.941% |
$500 |
24 Month Promo CD |
4.550% |
4.474% |
$500 |
60 Month Promo CD |
3.750% |
3.698% |
$500 |
3 Month CD |
0.050% |
0.050% |
$500 |
6 Month CD |
0.200% |
0.200% |
$500 |
1 Year CD |
0.400% |
0.399% |
$500 |
18 Month CD |
0.450% |
0.449% |
$500 |
2 Year CD |
0.500% |
0.499% |
$500 |
3 Year CD |
0.550% |
0.548% |
$500 |
4 Year CD |
0.600% |
0.598% |
$500 |
5 Year CD |
0.750% |
0.747% |
$500 |
A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.*APY - Annual Percentage YieldRates valid for Wednesday, February 1, 2023.The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.