| Share Savings |
You want a simple, flexible savings account. |
$300 minimum balance to earn interest. Six free withdrawals per month, $2 each additional.
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Share Savings |
Enjoy a simple, flexible savings account. With an Idaho Central Share Savings Account, a $25 deposit is your share of the credit union and makes you an owner!
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- $300 minimum balance to earn interest
- Unlimited deposits
- Six free withdrawals per month, $2 each additional
- NCUA insured up to $250,000
- Free Online Banking and Online eStatements
- Free Mobile Banking
- Free automatic transfers
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| Central Cents Savings |
You want your debit card purchases rounded up to the next whole dollar and deposited into your savings. |
No minimum balance to earn interest. Six free withdrawals per month, $2 each additional.
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Central Cents Savings |
When you open a Central Cents Savings Account your Idaho Central debit card purchases are automatically rounded up to the next whole dollar amount, and deposited into your savings account for a simple, hassle-free way to save.
For example: if you make a debit card purchase for $7.30, a total of $8.00 will be deducted from your checking account, and $0.70 of that will be deposited into your savings account.
- Automatically rounds up your debit card purchases and deposits the change into your savings
- Interest is earned quarterly
- Unlimited deposits
- Six free withdrawals per month, $2 each additional
- NCUA insured up to $250,000
- Free Online Banking and Online eStatements
- Free Mobile Banking
- Free automatic transfers
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| Choice Savings |
You want to save for specific purposes and earn a higher rate. |
No minimum balance to earn interest. Two free withdrawals per calendar year, $25 each additional.
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Choice Savings |
An Idaho Central Choice Savings Account is perfect to save for a specific purpose and earn a higher interest rate. Save for summer vacations, taxes, Christmas, or maybe even a down payment for a new home. Set up an automatic transfer to make saving even easier.
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- Tiered interest levels that increase as your balance increases
- Unlimited deposits
- Two free withdrawals per calendar year, $25 each additional
- NCUA insured up to $250,000
- Free Online Banking and Online eStatements
- Free Mobile Banking
- Free automatic transfers
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| Youth Savings |
You want an account that encourages saving early in life. |
No minimum balance to earn interest. Six free withdrawals per month, $2 each additional.
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Youth Savings |
Start teaching your children about money early. At Idaho Central, we offer savings accounts designed specifically for your child at any age: Share Bear Savings Account for ages 0-11 and Starter Savings Account for ages 12-17.
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- No minimum balance to earn interest
- Unlimited deposits
- Six free withdrawals per month, $2 each additional
- NCUA insured up to $250,000
- Free Online Banking and Online eStatements
- Free Mobile Banking
- Free automatic transfers
- Entry into quarterly drawings when your child receives an “A” on their report card and/or makes a deposit of $10 or more
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| High-Yield Online Savings |
You manage your account online and want a higher rate of return. |
Online only. $1,000 minimum balance to earn interest. $10 monthly fee if the balance falls below $1,000. Six free withdrawals per month, $10 each additional.
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High-Yield Online Savings |
The High-Yield Online Savings Account is an online-only account that earns our best savings rate. Enjoy convenient access and an incredible rate. Put your money to work online.
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- $1,000 minimum balance to earn interest
- $10 monthly fee if the balance drops below $1,000
- eStatements required
- Six free withdrawals per month, $10 each additional
- Interest paid monthly
- NCUA insured up to $250,000
- Free Online Banking and Online eStatements
- Free Mobile Banking
- Free Automatic Transfers
- Online only
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| Money Market Savings |
You want a savings account that earns our best rate. |
$2,500 minimum balance. Six free withdrawals per month, $5 each additional. $15 monthly fee if balance falls below $2,500.
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Money Market Savings |
Enjoy the benefits of our Money Market Savings Account and make your money work even harder for you.
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- $2,500 minimum balance to earn interest
- $15 monthly fee if balance drops below $2,500
- Tiered interest levels that increase as your balance increases
- Six free withdrawals per month
- Free checks
- Interest paid monthly
- NCUA insured up to $250,000
- Free Online Banking and Online eStatements
- Free Mobile Banking
- Free automatic transfers
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| Health Savings |
You want a savings account designed for those with a high deductible health plan. |
No minimum balance to earn interest. Five free withdrawals per month, $1 each additional. Annual fee of $30.
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Health Savings |
Contribute to a Health Savings Account (HSA) to pay for current and future medical expenses. HSAs are designed for individuals with a “High Deductible Health Plan” (HDHP).
- No minimum balance to earn interest
- Tiered interest levels that increase as your balance increases
- No monthly fee
- $30 annual fee
- Five free withdrawals by check per month
- Unlimited transactions with Idaho Central HSA Visa Check Card
- Competitive interest rate
- NCUA insured up to $250,000
- Free Online Banking and Online eStatements
- Free Mobile Banking
- Free automatic transfers
- View our informative Health Savings Account brochure
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| Medical Savings |
You live in Idaho and want to save for medical expenses. |
$100 minimum balance, $5 monthly fee if balance falls below $100.
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Medical Savings |
Contribute to an Idaho Medical Savings Account and pay for planned or unplanned medical expenses that may come up. Contributions earn interest and may be eligible for a State of Idaho tax deduction.*
*Please consult with your legal or tax advisor to determine tax benefit and eligible medical expenses. For more information please check out the Idaho MSA on Idaho.gov.
- Contribute up to $10,000 for a single person, or $20,000 for married couples filing jointly
- $5 monthly fee if the balance falls below $100
- Five free withdrawals by check per month, $1 each additional
- Earn interest, compounded monthly
- Unspent money rolls over each year
- Tax-free withdrawals to pay for medical, vision, and dental expenses
- Tax-free withdrawals for health insurance and supplemental Medicare premiums and long-term care expenses
- Tax-free withdrawals for transportation to and from medical appointments
- NCUA insured up to $250,000
- Free Online Banking and Online eStatements
- Free Mobile Banking
- Free automatic transfers
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| Coverdell Education Savings Account (ESA) |
You want to give your child the gift of education. |
No minimum balance to earn interest. $25 minimum to open the account.
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Coverdell Education Savings Account (ESA) |
Earnings grow on tax-deferred basis, distributions are tax-free* if qualified.
*Consult your legal or tax advisor.
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