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
Term6 Month Promo CD APY*4.900 Interest Rate4.900% Initial Deposit$500
Term12 Month Promo CD APY*4.800 Interest Rate4.715% Initial Deposit$500
Term18 Month Promo CD APY*4.500 Interest Rate4.426% Initial Deposit$500
Term24 Month Promo CD APY*4.250 Interest Rate4.183% Initial Deposit$500
Term60 Month Promo CD APY*3.750 Interest Rate3.698% Initial Deposit$500
Term3 Month CD APY*0.300 Interest Rate0.300% Initial Deposit$500
Term6 Month CD APY*0.450 Interest Rate0.450% Initial Deposit$500
Term1 Year CD APY*0.700 Interest Rate0.698% Initial Deposit$500
Term18 Month CD APY*0.800 Interest Rate0.797% Initial Deposit$500
Term2 Year CD APY*0.900 Interest Rate0.896% Initial Deposit$500
Term3 Year CD APY*0.950 Interest Rate0.946% Initial Deposit$500
Term4 Year CD APY*1.000 Interest Rate0.996% Initial Deposit$500
Term5 Year CD APY*1.100 Interest Rate1.095% Initial Deposit$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 Saturday, March 2 2024

Money Market Checking

Balance APY* Interest Rate
Balance0-2,499 APY*0.000% Interest Rate0.000%
Balance2,500-24,999 APY*0.200% Interest Rate0.199%
Balance25,000-49,999 APY*0.200% Interest Rate0.199%
Balance50,000-99,999 APY*0.200% Interest Rate0.199%
Balance100,000+ APY*0.200% Interest Rate0.199%

*APY – Annual Percentage Yield

Rates valid for Saturday, March 2 2024

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
Balance0-2,499 APY*0.000% Interest Rate0.000%
Balance2,500-24,999 APY*0.400% Interest Rate0.399%
Balance25,000-49,999 APY*0.600% Interest Rate0.598%
Balance50,000-99,999 APY*0.750% Interest Rate0.747%
Balance100,000+ APY*1.000% Interest Rate0.995%

*APY – Annual Percentage Yield

Rates valid for Saturday, March 2 2024

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
Balance0-299 APY*0.000% Interest Rate0.000%
Balance300+ APY*0.150% Interest Rate0.149%

*APY – Annual Percentage Yield

Rates valid for Saturday, March 2 2024

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
Balance0-299 APY*0.000% Interest Rate0.000%
Balance300+ APY*0.150% Interest Rate0.149%

*APY – Annual Percentage Yield

Rates valid for Saturday, March 2 2024

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
Balance0.01+ APY*0.250% Interest Rate0.249%

*APY – Annual Percentage Yield

Rates valid for Saturday, March 2 2024

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*
Type0-1,499 Rate*0.199%
Type1,500+ Rate*0.249%

*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 Saturday, March 2, 2024

Youth Savings Account

Balance APY* Interest Rate
Balance0-299 APY*0.150% Interest Rate0.149%
Balance300-1,499 APY*0.200% Interest Rate0.199%
Balance1,500+ APY*0.250% Interest Rate0.249%

*APY – Annual Percentage Yield

Rates valid for Saturday, March 2 2024

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
Balance0-999 APY*0.000% Interest Rate0.000%
Balance1,000-24,999 APY*3.800% Interest Rate3.735%
Balance25,000-49,999 APY*3.800% Interest Rate3.735%
Balance50,000-99,999 APY*3.800% Interest Rate3.735%
Balance100,000-249,999 APY*3.800% Interest Rate3.735%
Balance250,000+ APY*3.800% Interest Rate3.735%
See all

*APY – Annual Percentage Yield

Rates valid for Saturday, March 2 2024

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
Balance0-2,499 APY*0.250% Interest Rate0.249%
Balance2,500-24,999 APY*0.250% Interest Rate0.249%
Balance25,000+ APY*0.250% Interest Rate0.249%

*APY – Annual Percentage Yield

Rates valid for Saturday, March 2 2024

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
Balance0-2,499 APY*0.250% Interest Rate0.249%
Balance2,500-24,999 APY*0.250% Interest Rate0.249%
Balance25,000+ APY*0.250% Interest Rate0.249%

*APY – Annual Percentage Yield

Rates valid for Saturday, March 2 2024

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
Balance0-299 APY*0.200% Interest Rate0.199%
Balance300+ APY*0.250% Interest Rate0.249%

*APY – Annual Percentage Yield

Rates valid for Saturday, March 2 2024

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
Balance0-2,499 APY*0.250% Interest Rate0.249%
Balance2,500-24,999 APY*0.250% Interest Rate0.249%
Balance25,000+ APY*0.250% Interest Rate0.249%

*APY – Annual Percentage Yield

Rates valid for Saturday, March 2 2024

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
Balance0-299 APY*0.200% Interest Rate0.199%
Balance300+ APY*0.250% Interest Rate0.249%

*APY – Annual Percentage Yield

Rates valid for Saturday, March 2 2024

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
Balance0-2,499 APY*0.000% Interest Rate0.000%
Balance2,500-24,999 APY*0.400% Interest Rate0.399%
Balance25,000-49,999 APY*0.600% Interest Rate0.598%
Balance50,000-99,999 APY*0.750% Interest Rate0.747%
Balance100,000+ APY*1.000% Interest Rate0.995%

*APY – Annual Percentage Yield

Rates valid for Saturday, March 2 2024

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
Term6 Month Promo CD APY*4.900 Interest Rate4.900% Initial Deposit$500
Term12 Month Promo CD APY*4.800 Interest Rate4.715% Initial Deposit$500
Term18 Month Promo CD APY*4.500 Interest Rate4.426% Initial Deposit$500
Term24 Month Promo CD APY*4.250 Interest Rate4.183% Initial Deposit$500
Term60 Month Promo CD APY*3.750 Interest Rate3.698% Initial Deposit$500
Term3 Month CD APY*0.300 Interest Rate0.300% Initial Deposit$500
Term6 Month CD APY*0.450 Interest Rate0.450% Initial Deposit$500
Term1 Year CD APY*0.700 Interest Rate0.698% Initial Deposit$500
Term18 Month CD APY*0.800 Interest Rate0.797% Initial Deposit$500
Term2 Year CD APY*0.900 Interest Rate0.896% Initial Deposit$500
Term3 Year CD APY*0.950 Interest Rate0.946% Initial Deposit$500
Term4 Year CD APY*1.000 Interest Rate0.996% Initial Deposit$500
Term5 Year CD APY*1.100 Interest Rate1.095% Initial Deposit$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 Saturday, March 2 2024

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