Personal Savings Accounts

At Idaho Central we have Savings Account options to help you make insured investments with excellent rates! Here are the great savings choices you will find at Idaho Central.

 Best for you if you want... Minimum Balance to earn interestMonthly Fees 
Share Savings A simple, flexible savings account. $300 6 free withdrawals per month, $2 each additional. Open a Share Savings Account online now!
Central Cents Savings Your debit card purchases rounded up to the next whole dollar and deposited into your savings. No Minimum 6 free withdrawals per month, $2 each additional. Learn more about our Pocket Change Savings Account now!
Choice Savings To save for specific purposes and earn a higher rate. No Minimum 2 free withdrawals per calendar year, $25 each additional. Open a Choice Savings Account online now!
Youth Savings An account that encourages saving early in life. No Minimum 6 free withdrawals per month, $2 each additional. Open a Youth Savings Account online now!
Money Market Savings A savings account with a competitive interest rate. $2,500 6 free withdrawals per month, $5 each additional. $10 monthly fee if balance is below $2,500. Open a Money Market Savings Account online now!
Premium Money Market Savings A savings account that earns our best rate when combined with a checking account. $2,500 6 free withdrawals per month, $5 each additional. $15 monthly fee if balance is below $2,500. Open a Premium Money Market Savings Account online now!
Health Savings A savings account designed for those with a high deductible health plan. No minimum 5 free withdrawals per month, $1 each additional. Annual fee of $30. Learn how to open a Health Savings Account now!


With an Idaho Central savings account, enjoy additional perks such as:

NCUA insured up to $250,000
• Free Online Banking and Online eStatements
• Free Mobile Banking
• Free Text Banking
• Free Touch Tone Teller
• Free automatic transfers

View rates for savings accounts.