Investments & Planning

Certificates of Deposit

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.

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Account Type Best if... Terms Available
CDs Best If:
You want to lock in a great rate for a specified term.
Terms Available:

Ranging from 90 days to 5 years.

10-day renewal grace period and a 1-time additional deposit in first 60 days.

Youth CDs Best If:
You want a CD for youth, ages 0-24.
Terms Available:

1 Year.

0.25% increase over 1-year rate and ability to add funds at any time, online or in a branch.

Business CDs Best If:
You want a guaranteed savings rate for your business.
Terms Available:

Ranging from 90 days to 5 years.

10-day renewal grace period and a 1-time additional deposit in first 60 days.

IRA CDs Best If:
You want a guaranteed, higher savings rate to plan for your future.
Terms Available:

Ranging from 90 days to 5 years.

10-day renewal grace period and a 1-time additional deposit in first 60 days.

IRA & Retirement

Investing in an Individual Retirement Account (IRA) provides flexibility for your changing financial needs. If you haven’t explored the advantage of planning early for your retirement or your child’s education, it’s time to take a look. Funds in all Idaho Central accounts are federally insured up to $250,000, and we pay great rates.

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Account Type Best if... Accounts Available
Roth IRA Best If:
You want tax-free withdrawals*
Accounts Available:

IRA Share Savings, IRA Money Market Savings, IRA CD

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Traditional IRA Best If:
You want tax-deferred earnings and the possibility for tax-deductible* contributions.
Accounts Available:

IRA Share Savings, IRA Money Market Savings, IRA CD

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Coverdell Education Savings Account (ESA) Best If:
You want to give your child the gift of education.
Accounts Available:

IRA Share Savings, IRA Money Market Savings, IRA CD

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Apply For Membership Today

Investing in an Individual Retirement Account (IRA) or Certificate of Deposit (CD) is a great way to provide flexibility for your changing financial future needs.

Apply Today