Certificates of Deposit

Set money aside for a specific time frame and earn guaranteed returns! With an Idaho Central Certificate of Deposit, you can confidently watch your money grow with a great rate. Go get earning!

Elderly couple hiking


You want to set money aside for a specific time and earn a great rate.

Save More With CDs

An Idaho Central Certificate of Deposit (CD) is a great way to enjoy higher returns on deposited money with little risk. You agree to set money aside for a term ranging from 6 to 60 months and earn a fixed interest rate in return. When the term ends, decide to cash out or renew your CD and keep watching your money grow.

Become a CD ladder pro! Strategically open multiple CDs with different maturity dates and earn higher APYs with longer terms. Use our CD Ladder Calculator to learn more.

CD Ladder Calculator
Certificate of Deposit Calculator

Minimum Balance to Open


Renewal Grace Period

10 Days


1-time additional deposit in first 60 days

Expand Your Financial Well-Being with Personalized CDs

Opening an Idaho Central Certificate of Deposit (CD) is a great way to strengthen your financial wellness. Pick a competitive rate and term that fits your needs, then sit back and watch your money grow.

  • 6-Month Promo CD

    5.00% APY*

  • 12-Month Promo CD

    4.70% APY*

  • 18-Month Promo CD

    4.40% APY*

  • 24-Month Promo CD

    4.15% APY*

  • 60-Month Promo CD

    3.75% APY*

A penalty may be imposed for early withdrawal. No institutional deposits. Fees may reduce earnings.
APY – Annual Percentage Yield.
The interest rate and APY – Annual Percentage Yield may change at any time, as determined by the credit union board of directors.

Promo CD Rates

Term APY* Interest Rate Initial Deposit
Term6 Month Promo CD APY*5.00 Interest Rate5.00% Initial Deposit$500 Terms
Term12 Month Promo CD APY*4.70 Interest Rate4.62% Initial Deposit$500 Terms
Term18 Month Promo CD APY*4.40 Interest Rate4.33% Initial Deposit$500 Terms
Term24 Month Promo CD APY*4.15 Interest Rate4.09% Initial Deposit$500 Terms
Term60 Month Promo CD APY*3.75 Interest Rate3.70% Initial Deposit$500 Terms

Personal 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

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