Personal Savings Accounts - Idaho Central Credit Union

Savings Accounts benefits

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Share Savings Account

Balance	APY*	Interest Rate
0-299	0.000%	0.000%
300+	0.050%	0.049%

Secondary Savings Account

Balance	APY*	Interest Rate
0-299	0.000%	0.000%
300+	0.050%	0.049%

Central Cents Savings Account

Balance	APY*	Interest Rate
0.01+	0.100%	0.099%

Choice Savings Account

Balance	APY*	Interest Rate
0-1,499	0.100%	0.099%
1,500+	0.150%	0.149%

Youth Savings Account

Balance	APY*	Interest Rate
0-299	0.050%	0.049%
300-1,499	0.100%	0.099%
1,500+	0.150%	0.149%

High-Yield Online Savings Account

Balance	APY*	Interest Rate
0-999	0.000%	0.000%
1,000-24,999	3.300%	3.251%
25,000-49,999	3.300%	3.251%
50,000-99,999	3.300%	3.251%
100,000-249,999	3.300%	3.251%
250,000+	3.300%	3.251%

Money Market Savings Account

Balance	APY*	Interest Rate
0-2,499	0.000%	0.000%
2,500-24,999	0.350%	0.349%
25,000-49,999	0.500%	0.498%
50,000-99,999	0.550%	0.548%
100,000+	0.750%	0.747%

Health Savings Account

Balance	APY*	Interest Rate
0-2,499	0.150%	0.149%
2,500-24,999	0.150%	0.149%
25,000+	0.150%	0.149%

Idaho Medical Savings Account

Balance	APY*	Interest Rate
0-2,499	0.100%	0.099%
2,500-24,999	0.100%	0.099%
25,000+	0.100%	0.099%

Coverdell Education Savings Account

Balance	APY*	Interest Rate
0-299	0.100%	0.099%
300+	0.150%	0.149%

Idaho First-Time Home Buyer Savings

Balance	APY*	Interest Rate
0-2,499	0.150%	0.149%
2,500-24,999	0.150%	0.149%
25,000+	0.150%	0.149%

*APY - Annual Percentage Yield
Rates 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.

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. + MORE DETAILS
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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! $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 Credit Score & Monitoring Free automatic transfers *Interest rate and annual percentage yield are variable. May change at any time.
Secondary Savings	You want a simple, flexible savings account in addition to your Share Savings Account.	$300 minimum balance to earn interest. Six free withdrawals per month, $2 each additional. + MORE DETAILS
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Secondary Savings
Enjoy a simple, flexible savings account. $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 Credit Score & Monitoring Free automatic transfers *Interest rate and annual percentage yield are variable. May change at any time.
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. + MORE DETAILS
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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 Credit Score & Monitoring Free automatic transfers *Interest rate and annual percentage yield are variable. May change at any time.
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. + MORE DETAILS
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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. 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 Credit Score & Monitoring Free automatic transfers *Interest rate and annual percentage yield are variable. May change at any time.
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. + MORE DETAILS
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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. 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 Credit Score & Monitoring 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 *Interest rate and annual percentage yield are variable. May change at any time.
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. + MORE DETAILS
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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. 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 Interest paid monthly NCUA insured up to $250,000 Free Online Banking and Online eStatements Free Mobile Banking Free automatic transfers Free Credit Score & Monitoring Online only
Money Market Savings	You want a savings account that earns a great rate.	$2,500 minimum balance. Six free withdrawals per month, $5 each additional. $15 monthly fee if balance falls below $2,500. + MORE DETAILS
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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. $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 Credit Score & Monitoring Free automatic transfers *Interest rate and annual percentage yield are variable. May change at any time.
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. Monthly fee of $2.50. + MORE DETAILS
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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* $2.50 monthly fee Five free withdrawals by check per month Unlimited transactions with Idaho Central HSA Visa Debit Card Competitive interest rate* NCUA insured up to $250,000 Free Online Banking and Online eStatements Free Mobile Banking Free Credit Score & Monitoring Free automatic transfers View our informative Health Savings Account brochure *Interest rate and annual percentage yield are variable. May change at any time.
Idaho Medical Savings Account	You live in Idaho and want to save for medical expenses.	$100 minimum balance, $5 monthly fee if balance falls below $100. + MORE DETAILS
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Idaho Medical Savings Account
Contribute to an Idaho Medical Savings Account and pay for planned or unplanned medical expenses that may come up. Contributions may be eligible for a State of Idaho tax deduction.† 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 Unlimited transactions with a Idaho Central MSA Visa Debit Card 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 Competitive interest rate* NCUA insured up to $250,000 Free Online Banking and Online eStatements Free Mobile Banking Free Credit Score & Monitoring Free automatic transfers *Interest rate and annual percentage yield are variable. May change at any time. †Please consult with your legal or tax advisor to determine tax benefit and eligible medical expenses.
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. + MORE DETAILS
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Coverdell Education Savings Account (ESA)
Earnings grow on tax-deferred basis, distributions are tax-free† if qualified. Contributions each year cannot exceed $2,000 per child Competitive interest rate* View our informative Coverdell ESA brochure *Interest rate and annual percentage yield are variable. May change at any time. †Consult your legal or tax advisor.
Idaho First-Time Home Buyer Savings	You want to save for your first-time home purchase in Idaho.	No minimum balance to earn interest. Six free withdrawals per month, $2 each additional. $25 to open. + MORE DETAILS
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Idaho First-Time Home Buyer Savings
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†. Learn about our First-Time Homebuyer Programs Contribute up to $15,000 for a single person, or $30,000 for married couples filing jointly per calendar year No monthly fee Earn interest, compounded monthly* Tax-free withdrawals when used to pay for the down payment, fees or taxes of the purchase of a single family residence in Idaho† No withdrawals are allowed from the account for the first 30 days after account opening, deposits will be allowed Maximum of $100,000 of total deposits are allowed for the lifetime of the account Six free withdrawals per month, $2 each additional NCUA insured up to $250,000 Free Online Banking and Online eStatements Free Mobile Banking Free Credit Score & Monitoring Free automatic transfers *Interest rate and annual percentage yield are variable. May change at any time. †Please consult with your legal or tax advisor to determine tax benefit and eligible home purchase expenses.

Savings Accounts benefits

Share Savings Account

Secondary Savings Account

Central Cents Savings Account

Choice Savings Account

Youth Savings Account

High-Yield Online Savings Account

Money Market Savings Account

Health Savings Account

Idaho Medical Savings Account

Coverdell Education Savings Account

Idaho First-Time Home Buyer Savings

Share Savings

Secondary Savings

Central Cents Savings

Choice Savings

Youth Savings

High-Yield Online Savings

Money Market Savings

Health Savings

Idaho Medical Savings Account

Coverdell Education Savings Account (ESA)

Idaho First-Time Home Buyer Savings

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