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.
Minimum Balance to Open
$500
Renewal Grace Period
10 Days
Deposits
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.
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6-Month Promo CD
5.05% APY*
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12-Month Promo CD
5.30% APY*
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18-Month Promo CD
4.85% APY*
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24-Month Promo CD
4.25% APY*
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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 |
|---|---|---|---|
| 6 Month Promo CD | 5.050 | 5.050% | $500 |
| 12 Month Promo CD | 5.300 | 5.197% | $500 |
| 18 Month Promo CD | 4.850 | 4.764% | $500 |
| 24 Month Promo CD | 4.250 | 4.183% | $500 |
| 60 Month Promo CD | 3.750 | 3.698% | $500 |
*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 Monday, October 2 2023
Personal CD Rates
| Term | APY* | Interest Rate | Initial Deposit |
|---|---|---|---|
| 3 Month CD | 0.300 | 0.300% | $500 |
| 6 Month CD | 0.450 | 0.450% | $500 |
| 1 Year CD | 0.700 | 0.698% | $500 |
| 18 Month CD | 0.800 | 0.797% | $500 |
| 2 Year CD | 0.900 | 0.896% | $500 |
| 3 Year CD | 0.950 | 0.946% | $500 |
| 4 Year CD | 1.000 | 0.996% | $500 |
| 5 Year CD | 1.100 | 1.095% | $500 |
*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 Monday, October 2 2023
More Options. More Saving.
Life requires different needs to save. That means you need options. Start saving now for retirement, your child’s education, or anything that’s important to you. It feels good to be financially prepared. You can do it!
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IRAs
Best if:
You want to plan early and save for retirement.
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Coverdell Education Savings Accounts
Best if:
You want to give your child the gift of education.
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Money Market Savings
Best if:
You want a savings account that earns a higher interest rate.
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High-Yield Online Savings
Best if:
You want a convenient online account that earns a great rate.
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