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Rates

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.

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CD Rates

Term APY* Interest Rate Initial Deposit
Term6 Month Promo CD APY*4.80 Interest Rate4.80% 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
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

Money Market Checking

Balance APY* Interest Rate
Balance0-2,499 APY*0.00% Interest Rate0.00% Terms
Balance2,500-24,999 APY*0.20% Interest Rate0.20% Terms
Balance25,000-49,999 APY*0.20% Interest Rate0.20% Terms
Balance50,000-99,999 APY*0.20% Interest Rate0.20% Terms
Balance100,000+ APY*0.20% Interest Rate0.20% Terms

Money Market Savings

Balance APY* Interest Rate
Balance0-2,499 APY*0.00% Interest Rate0.00% Terms
Balance2,500-24,999 APY*0.40% Interest Rate0.40% Terms
Balance25,000-49,999 APY*0.60% Interest Rate0.60% Terms
Balance50,000-99,999 APY*0.75% Interest Rate0.75% Terms
Balance100,000+ APY*1.00% Interest Rate1.00% Terms

Share Savings Account

Balance APY* Interest Rate
Balance0-299 APY*0.00% Interest Rate0.00% Terms
Balance300+ APY*0.15% Interest Rate0.15% Terms

Secondary Savings Account

Balance APY* Interest Rate
Balance0-299 APY*0.00% Interest Rate0.00% Terms
Balance300+ APY*0.15% Interest Rate0.15% Terms

Central Cents Savings Accounts

Balance APY* Interest Rate
Balance0.01+ APY*0.25% Interest Rate0.25% Terms

Choice Savings Account

Balance APY* Interest Rate
Balance0-1,499 APY*0.20% Interest Rate0.20% Terms
Balance1,500+ APY*0.25% Interest Rate0.25% Terms

Youth Savings Account

Balance APY* Interest Rate
Balance0-299 APY*0.15% Interest Rate0.15% Terms
Balance300-1,499 APY*0.20% Interest Rate0.20% Terms
Balance1,500+ APY*0.25% Interest Rate0.25% Terms

High-Yield Online Savings Account

Balance APY* Interest Rate
Balance0-999 APY*0.00% Interest Rate0.00% Terms
Balance1,000-24,999 APY*3.70% Interest Rate3.64% Terms
Balance25,000-49,999 APY*3.70% Interest Rate3.64% Terms
Balance50,000-99,999 APY*3.70% Interest Rate3.64% Terms
Balance100,000-249,999 APY*3.70% Interest Rate3.64% Terms
Balance250,000+ APY*3.70% Interest Rate3.64% Terms
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Health Savings Account

Balance APY* Interest Rate
Balance0-2,499 APY*0.25% Interest Rate0.25% Terms
Balance2,500-24,999 APY*0.25% Interest Rate0.25% Terms
Balance25,000+ APY*0.25% Interest Rate0.25% Terms

Idaho Medical Savings Account

Balance APY* Interest Rate
Balance0-2,499 APY*0.25% Interest Rate0.25% Terms
Balance2,500-24,999 APY*0.25% Interest Rate0.25% Terms
Balance25,000+ APY*0.25% Interest Rate0.25% Terms

Coverdell Education Savings Account

Balance APY* Interest Rate
Balance0-299 APY*0.20% Interest Rate0.20% Terms
Balance300+ APY*0.25% Interest Rate0.25% Terms

Idaho First-Time Home Buyer Savings

Balance APY* Interest Rate
Balance0-2,499 APY*0.25% Interest Rate0.25% Terms
Balance2,500-24,999 APY*0.25% Interest Rate0.25% Terms
Balance25,000+ APY*0.25% Interest Rate0.25% Terms

IRA Savings Accounts

Balance APY* Interest Rate
Balance0-299 APY*0.20% Interest Rate0.20% Terms
Balance300+ APY*0.25% Interest Rate0.25% Terms

IRA Money Market Savings Account

Balance APY* Interest Rate
Balance0-2,499 APY*0.00% Interest Rate0.00% Terms
Balance2,500-24,999 APY*0.40% Interest Rate0.40% Terms
Balance25,000-49,999 APY*0.60% Interest Rate0.60% Terms
Balance50,000-99,999 APY*0.75% Interest Rate0.75% Terms
Balance100,000+ APY*1.00% Interest Rate1.00% Terms

IRA Certificate of Deposit Account

Term APY* Interest Rate Initial Deposit
Term6 Month Promo CD APY*4.80 Interest Rate4.80% 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
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
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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