*APY - Annual Percentage Yield Rates valid for Sunday, August 9, 2020. The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Account Type
Best if...
Minimum Balance & Monthly Fees
Share Savings
You want a simple, flexible savings account.
$300 minimum balance to earn interest. Six free withdrawals per month, $2 each additional.
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!
$300 minimum balance to earn interest
Unlimited deposits
Six free withdrawals per month, $2 each additional
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
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.
Tiered interest levels that increase as your balance increases
Unlimited deposits
Two free withdrawals per calendar year, $25 each additional
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.
No minimum balance to earn interest
Unlimited deposits
Six free withdrawals per month, $2 each additional
Entry into quarterly drawings when your child receives an “A” on their report card and/or makes a deposit of $10 or more
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.
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.
Account requires membership at ICCU, which includes a Share Savings Account with minimum $25 opening account balance and a one-time $5 membership fee.
$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
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 annual fee
$2.50 monthly fee
Five free withdrawals by check per month
Unlimited transactions with Idaho Central HSA Visa Check Card
Contribute to an Idaho Medical Savings Account and pay for planned or unplanned medical expenses. 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 per calendar year
$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
The Idaho First-Time Home Buyer Savings helps you save for your first place to call home and is supported by the State of Idaho. Contributions to the account earn interest and may be eligible for a State of Idaho tax deduction*.
