Deposit Rates

At Idaho Central Credit Union, we understand the importance of saving money to meet your goals. Whether you are saving for your dream home, your child’s education, or to simply be prepared. One of our deposit accounts with our competitive rates can help you get there.

Couple hiking

CD Rates

Term APY* Interest Rate Initial Deposit
6 Month Promo CD 4.500 4.500% $500
12 Month Promo CD 5.000 4.908% $500
18 Month Promo CD 4.500 4.426% $500
24 Month Promo CD 4.250 4.183% $500
60 Month Promo CD 3.750 3.698% $500
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
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 Monday, June 5 2023

Money Market Checking

Balance APY* Interest Rate
0-2,499 0.000% 0.000%
2,500-24,999 0.100% 0.099%
25,000-49,999 0.150% 0.149%
50,000-99,999 0.150% 0.149%
100,000+ 0.150% 0.149%

*APY – Annual Percentage Yield

Rates valid for Monday, June 5 2023

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

Money Market Savings

Balance APY* Interest Rate
0-2,499 0.000% 0.000%
2,500-24,999 0.400% 0.399%
25,000-49,999 0.600% 0.598%
50,000-99,999 0.750% 0.747%
100,000+ 1.000% 0.995%

*APY – Annual Percentage Yield

Rates valid for Monday, June 5 2023

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

Share Savings Account

Balance APY* Interest Rate
0-299 0.000% 0.000%
300+ 0.100% 0.099%

*APY – Annual Percentage Yield

Rates valid for Monday, June 5 2023

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

Secondary Savings Account

Balance APY* Interest Rate
0-299 0.000% 0.000%
300+ 0.100% 0.099%

*APY – Annual Percentage Yield

Rates valid for Monday, June 5 2023

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

Central Cents Savings Accounts

Balance APY* Interest Rate
0.01+ 0.200% 0.199%

*APY – Annual Percentage Yield

Rates valid for Monday, June 5 2023

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

Choice Savings Account

Type Rate*
0-1,499 0.149%
1,500+ 0.199%

*The annual percentage rates listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria.

Rates valid for Monday, June 5, 2023

Youth Savings Account

Balance APY* Interest Rate
0-299 0.100% 0.099%
1,500+ 0.200% 0.199%
300-1,499 0.150% 0.149%

*APY – Annual Percentage Yield

Rates valid for Monday, June 5 2023

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 Account

Balance APY* Interest Rate
0-999 0.000% 0.000%
1,000-24,999 4.000% 3.928%
25,000-49,999 4.000% 3.928%
50,000-99,999 4.000% 3.928%
100,000-249,999 4.000% 3.928%
250,000+ 4.000% 3.928%
See all

*APY – Annual Percentage Yield

Rates valid for Monday, June 5 2023

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

Health Savings Account

Balance APY* Interest Rate
0-2,499 0.200% 0.199%
2,500-24,999 0.200% 0.199%
25,000+ 0.200% 0.199%

*APY – Annual Percentage Yield

Rates valid for Monday, June 5 2023

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

Idaho Medical Savings Account

Balance APY* Interest Rate
0-2,499 0.200% 0.199%
2,500-24,999 0.200% 0.199%
25,000+ 0.200% 0.199%

*APY – Annual Percentage Yield

Rates valid for Monday, June 5 2023

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

Balance APY* Interest Rate
0-299 0.150% 0.149%
300+ 0.200% 0.199%

*APY – Annual Percentage Yield

Rates valid for Monday, June 5 2023

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

Idaho First-Time Home Buyer Savings

Balance APY* Interest Rate
0-2,499 0.200% 0.199%
2,500-24,999 0.200% 0.199%
25,000+ 0.200% 0.199%

*APY – Annual Percentage Yield

Rates valid for Monday, June 5 2023

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

IRA Savings Accounts

Balance APY* Interest Rate
0-299 0.150% 0.149%
300+ 0.200% 0.199%

*APY – Annual Percentage Yield

Rates valid for Monday, June 5 2023

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

IRA Money Market Savings Account

Balance APY* Interest Rate
0-2,499 0.000% 0.000%
2,500-24,999 0.400% 0.399%
25,000-49,999 0.600% 0.598%
50,000-99,999 0.750% 0.747%
100,000+ 1.000% 0.995%

*APY – Annual Percentage Yield

Rates valid for Monday, June 5 2023

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

IRA Certificate of Deposit Account

Term APY* Interest Rate Initial Deposit
6 Month Promo CD 4.500 4.500% $500
12 Month Promo CD 5.000 4.908% $500
18 Month Promo CD 4.500 4.426% $500
24 Month Promo CD 4.250 4.183% $500
60 Month Promo CD 3.750 3.698% $500
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
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 Monday, June 5 2023

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