Savings Accounts

Didn’t your mom tell you to save your money? Yep, ours did too! With the various Idaho Central savings account options, you can do just that… SAVE! Save for the future. Save for the unexpected. Save for your dreams. Let’s get saving.

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Saving is easier when you have the right tools and resources.

  • Free Mobile & Online Banking

  • NCUA Insured up to $250,000

  • Free Credit Score & Monitoring

  • Free Online eStatements

  • Free Automatic Transfers

  • Free Zelle® Money Transfers

Find Your Savings Account

We are ready to help you save with confidence now and in the future.

Share Savings Rates

Balance APY* Interest Rate
Balance0-299 APY*0.000% Interest Rate0.000%
Balance300+ APY*0.150% Interest Rate0.149%

*APY – Annual Percentage Yield

Rates valid for Tuesday, March 19 2024

The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Secondary Savings Rates

Balance APY* Interest Rate
Balance0-299 APY*0.000% Interest Rate0.000%
Balance300+ APY*0.150% Interest Rate0.149%

*APY – Annual Percentage Yield

Rates valid for Tuesday, March 19 2024

The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

High Yield Online Savings Rates

Balance APY* Interest Rate
Balance0-999 APY*0.000% Interest Rate0.000%
Balance1,000-24,999 APY*3.800% Interest Rate3.735%
Balance25,000-49,999 APY*3.800% Interest Rate3.735%
Balance50,000-99,999 APY*3.800% Interest Rate3.735%
Balance100,000-249,999 APY*3.800% Interest Rate3.735%
Balance250,000+ APY*3.800% Interest Rate3.735%
See all

*APY – Annual Percentage Yield

Rates valid for Tuesday, March 19 2024

The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Money Market Savings Rates

Balance APY* Interest Rate
Balance0-2,499 APY*0.000% Interest Rate0.000%
Balance2,500-24,999 APY*0.400% Interest Rate0.399%
Balance25,000-49,999 APY*0.600% Interest Rate0.598%
Balance50,000-99,999 APY*0.750% Interest Rate0.747%
Balance100,000+ APY*1.000% Interest Rate0.995%

*APY – Annual Percentage Yield

Rates valid for Tuesday, March 19 2024

The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Central Cents Savings Rates

Balance APY* Interest Rate
Balance0.01+ APY*0.250% Interest Rate0.249%

*APY – Annual Percentage Yield

Rates valid for Tuesday, March 19 2024

The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Choice Savings Rates

Balance APY* Interest Rate
Balance0-1,499 APY*0.200% Interest Rate0.199%
Balance1,500+ APY*0.250% Interest Rate0.249%

*APY – Annual Percentage Yield

Rates valid for Tuesday, March 19 2024

The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Idaho First-Time Homebuyer Savings Rates

Balance APY* Interest Rate
Balance0-2,499 APY*0.250% Interest Rate0.249%
Balance2,500-24,999 APY*0.250% Interest Rate0.249%
Balance25,000+ APY*0.250% Interest Rate0.249%

*APY – Annual Percentage Yield

Rates valid for Tuesday, March 19 2024

The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

CD Rates

Term APY* Interest Rate Initial Deposit
Term3 Month CD APY*0.300 Interest Rate0.300% Initial Deposit$500
Term6 Month CD APY*0.450 Interest Rate0.450% Initial Deposit$500
Term1 Year CD APY*0.700 Interest Rate0.698% Initial Deposit$500
Term18 Month CD APY*0.800 Interest Rate0.797% Initial Deposit$500
Term2 Year CD APY*0.900 Interest Rate0.896% Initial Deposit$500
Term3 Year CD APY*0.950 Interest Rate0.946% Initial Deposit$500
Term4 Year CD APY*1.000 Interest Rate0.996% Initial Deposit$500
Term5 Year CD APY*1.100 Interest Rate1.095% Initial Deposit$500
See all

*APY – Annual Percentage Yield

A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.

The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Rates valid for Tuesday, March 19 2024

IRA Rates

Balance APY* Interest Rate
Balance0-299 APY*0.200% Interest Rate0.199%
Balance300+ APY*0.250% Interest Rate0.249%

*APY – Annual Percentage Yield

Rates valid for Tuesday, March 19 2024

The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Health & Medical Savings Account Rates

Balance APY* Interest Rate
Balance0-2,499 APY*0.250% Interest Rate0.249%
Balance2,500-24,999 APY*0.250% Interest Rate0.249%
Balance25,000+ APY*0.250% Interest Rate0.249%

*APY – Annual Percentage Yield

Rates valid for Tuesday, March 19 2024

The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Coverdell Education Savings Account Rates

Balance APY* Interest Rate
Balance0-299 APY*0.200% Interest Rate0.199%
Balance300+ APY*0.250% Interest Rate0.249%

*APY – Annual Percentage Yield

Rates valid for Tuesday, March 19 2024

The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Personal Financial Management

Manage your accounts online anytime, anywhere. eBranch serves as your single personal financial management center. eBranch allows you to perform the most routine banking tasks from the comfort of your computer or mobile device at home, the office, or on the road. Day or night, seven days a week, eBranch is easy, safe, and convenient.

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Become a Member

Idaho Central Credit Union was designed with one idea in mind, helping members achieve financial success. If you live or work in Idaho or Washington, chances are you can become a member of Idaho Central Credit Union.

Find Out How