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*0.00% Interest Rate0.00% Terms
Balance300+ APY*0.15% Interest Rate0.15% Terms

Secondary Savings Rates

Balance APY* Interest Rate
Balance0-299 APY*0.00% Interest Rate0.00% Terms
Balance300+ APY*0.15% Interest Rate0.15% Terms

High Yield Online Savings Rates

Balance APY* Interest Rate
Balance0-999 APY*0.00% Interest Rate0.00% Terms
Balance1,000-24,999 APY*3.80% Interest Rate3.74% Terms
Balance25,000-49,999 APY*3.80% Interest Rate3.74% Terms
Balance50,000-99,999 APY*3.80% Interest Rate3.74% Terms
Balance100,000-249,999 APY*3.80% Interest Rate3.74% Terms
Balance250,000+ APY*3.80% Interest Rate3.74% Terms
See all

Money Market Savings Rates

Balance APY* Interest Rate
Balance0-2,499 APY*0.00% Interest Rate0.00% Terms
Balance2,500-24,999 APY*0.40% Interest Rate0.40% Terms
Balance25,000-49,999 APY*0.60% Interest Rate0.60% Terms
Balance50,000-99,999 APY*0.75% Interest Rate0.75% Terms
Balance100,000+ APY*1.00% Interest Rate1.00% Terms

Central Cents Savings Rates

Balance APY* Interest Rate
Balance0.01+ APY*0.25% Interest Rate0.25% Terms

Choice Savings Rates

Balance APY* Interest Rate
Balance0-1,499 APY*0.20% Interest Rate0.20% Terms
Balance1,500+ APY*0.25% Interest Rate0.25% Terms

Idaho First-Time Homebuyer Savings Rates

Balance APY* Interest Rate
Balance0-2,499 APY*0.25% Interest Rate0.25% Terms
Balance2,500-24,999 APY*0.25% Interest Rate0.25% Terms
Balance25,000+ APY*0.25% Interest Rate0.25% Terms

CD Rates

Term APY* Interest Rate Initial Deposit
Term3 Month CD APY*0.30 Interest Rate0.30% Initial Deposit$500 Terms
Term6 Month CD APY*0.45 Interest Rate0.45% Initial Deposit$500 Terms
Term1 Year CD APY*0.70 Interest Rate0.70% Initial Deposit$500 Terms
Term18 Month CD APY*0.80 Interest Rate0.80% Initial Deposit$500 Terms
Term2 Year CD APY*0.90 Interest Rate0.90% Initial Deposit$500 Terms
Term3 Year CD APY*0.95 Interest Rate0.95% Initial Deposit$500 Terms
Term4 Year CD APY*1.00 Interest Rate1.00% Initial Deposit$500 Terms
Term5 Year CD APY*1.10 Interest Rate1.10% Initial Deposit$500 Terms
See all

IRA Rates

Balance APY* Interest Rate
Balance0-299 APY*0.20% Interest Rate0.20% Terms
Balance300+ APY*0.25% Interest Rate0.25% Terms

Health & Medical Savings Account Rates

Balance APY* Interest Rate
Balance0-2,499 APY*0.25% Interest Rate0.25% Terms
Balance2,500-24,999 APY*0.25% Interest Rate0.25% Terms
Balance25,000+ APY*0.25% Interest Rate0.25% Terms

Coverdell Education Savings Account Rates

Balance APY* Interest Rate
Balance0-299 APY*0.20% Interest Rate0.20% Terms
Balance300+ APY*0.25% Interest Rate0.25% Terms

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