ICCU High-Yield Savings & Money Market Rates

How ICCU’s savings rates compare

Compared with banks and credit unions near Boise City, ID, where ICCU has the most branches. $10,000, best rate first.

This credit union’s best
ICCU
3.40%APY
Minimum
$1,000
Earns on $10,000 a year
$340
High-Yield Online Savings Account
Top rate
America First Credit Union
3.95%APY
Minimum
$0
Earns on $10,000 a year
$395
America First Credit Union rates
2nd-highest rate
WaFd Bank
3.82%APY
Minimum
$0
Earns on $10,000 a year
$382
WaFd Bank rates

Savings score

Higher than 98% of U.S. banks and credit unions

By balance

$1,000 balance$1,0003.40%
$10,000 balance$10,0003.40%
$100,000 balance$100,0003.40%
QualifiedQualified3.40%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where ICCU ranks

By savings score, in each area where it has branches

And 12 more areas →

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

High-Yield Online Savings Account

3.40%APY$1,000 to open

Requires ICCU membership (Share Savings Account with minimum $25 opening balance and one-time $5 membership fee). Free online eStatements required.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $999Monthly service fee is $10 if balance is less than $1,000.	0.00%	—	Monthly service fee is $10 if balance is less than $1,000.
$1,000 – $24,999Monthly service fee is $10 if balance is less than $1,000.	3.40%	$340	Monthly service fee is $10 if balance is less than $1,000.
$25,000 – $49,999Monthly service fee is $10 if balance is less than $1,000.	3.40%	—	Monthly service fee is $10 if balance is less than $1,000.
$50,000 – $99,999Monthly service fee is $10 if balance is less than $1,000.	3.40%	—	Monthly service fee is $10 if balance is less than $1,000.
$100,000 – $249,999Monthly service fee is $10 if balance is less than $1,000.	3.40%	—	Monthly service fee is $10 if balance is less than $1,000.
$250,000 and upMonthly service fee is $10 if balance is less than $1,000.	3.40%	—	Monthly service fee is $10 if balance is less than $1,000.

Sources (4)

All captured Sep 16, 2026

Money Market Savings

0.40%APY$25 to open

Available to ICCU members who live or work in Idaho, Washington, eastern Oregon, or Arizona.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,499$15 monthly service fee if balance is less than $2,500. Minimum balance to earn interest is $2,500.	0.00%	—	$15 monthly service fee if balance is less than $2,500. Minimum balance to earn interest is $2,500.
$2,500 – $24,999$15 monthly service fee waived with balance of $2,500 or more.	0.40%	$40	$15 monthly service fee waived with balance of $2,500 or more.
$25,000 – $49,999$15 monthly service fee waived with balance of $2,500 or more.	0.60%	—	$15 monthly service fee waived with balance of $2,500 or more.
$50,000 – $99,999$15 monthly service fee waived with balance of $2,500 or more.	0.75%	—	$15 monthly service fee waived with balance of $2,500 or more.
$100,000 and up$15 monthly service fee waived with balance of $2,500 or more.	1.00%	—	$15 monthly service fee waived with balance of $2,500 or more.

Sources (3)

All captured Sep 26, 2026

Central Cents Savings Account

0.25%APY$0.01 to open

ICCU debit card purchases are rounded up to next whole dollar and deposited into savings.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Over $0	0.25%	$25

Sources (3)

All captured Sep 16, 2026

Choice Savings Account

0.25%APY$25 to open

Designed to save for a specific purpose.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,499	0.20%	—
$1,500 and up	0.25%	$25

Sources (3)

All captured Sep 16, 2026

Idaho First-Time Home Buyer Savings

0.25%APY$25 to open

Must live in Idaho and save for a first home. Contributions may be eligible for a State of Idaho tax deduction.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $2,499	0.25%	—
$2,500 – $24,999	0.25%	$25
$25,000 and up	0.25%	—

Sources (3)

All captured Sep 16, 2026

Idaho Medical Savings Account

0.25%APY$100 to open

Contributions may be eligible for a State of Idaho tax deduction. Contribute up to $10,000 for single or $20,000 for married couples filing jointly per calendar year. Five free withdrawals by check per month.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,499Monthly service fee is $5 if balance is less than $100.	0.25%	—	Monthly service fee is $5 if balance is less than $100.
$2,500 – $24,999Monthly service fee is $5 if balance is less than $100.	0.25%	$25	Monthly service fee is $5 if balance is less than $100.
$25,000 and upMonthly service fee is $5 if balance is less than $100.	0.25%	—	Monthly service fee is $5 if balance is less than $100.

Sources (2)

All captured Sep 16, 2026

Secondary Savings Account

0.15%APY$25 to open

Flexible savings account in addition to Share Savings account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $299	0.00%	—
$300 and up	0.15%	$15

Sources (3)

All captured Sep 16, 2026

Share Savings Account

0.15%APY$25 to open

Required to become a member of ICCU. Limit one share savings account per membership.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $299	0.00%	—
$300 and up	0.15%	$15

Sources (3)

All captured Sep 16, 2026

Special-purpose accounts

IRA Money Market Savings Account

0.40%APYIRA

Roth or Traditional IRA wrapper. Available to ICCU members who live or work in Idaho, Washington, eastern Oregon, or Arizona.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $2,499	0.00%	—
$2,500 – $24,999	0.40%	$40
$25,000 – $49,999	0.60%	—
$50,000 – $99,999	0.75%	—
$100,000 and up	1.00%	—

Sources (3)

All captured Sep 26, 2026

Coverdell Education Savings Account

0.25%APYIRA$25 to open

Designed to save for education expenses such as tuition, fees, books, and supplies.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $299	0.20%	—
$300 and up	0.25%	$25

Sources (3)

All captured Sep 16, 2026

Health Savings Account

0.25%APYHSA$100 to open

Designed for individuals with a High Deductible Health Plan (HDHP) to pay for current and future medical expenses. Five free withdrawals by check per month.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $2,499	0.25%	—
$2,500 – $24,999	0.25%	$25
$25,000 and up	0.25%	—

Sources (3)

All captured Sep 16, 2026

IRA Savings Account

0.25%APYIRA$25 to open

Available as Traditional and Roth IRA options. Individual account with no joint owners.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $299	0.20%	—
$300 and up	0.25%	$25

Sources (4)

All captured Sep 16, 2026

Share Bear Savings

0.25%APYKids and teens$25 to open

Designed for children ages 0 to 11 to teach them how to save.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $299	0.15%	—
$300 – $1,499	0.20%	—
$1,500 and up	0.25%	$25

Sources (4)

All captured Sep 16, 2026

Starter Savings

0.25%APYKids and teens$25 to open

Designed for youth between ages 12 and 17 to develop savings habits.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $299	0.15%	—
$300 – $1,499	0.20%	—
$1,500 and up	0.25%	$25

Sources (4)

All captured Sep 16, 2026

Who can join ICCU

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Persons who live, work, worship or attend school in Cochise, Pima, Pinal, Greenlee, Graham, Santa Cruz, and Yuma Counties, Arizona are eligible for membership.
Persons who live, work, or attend school in any Idaho county are eligible for membership.
Persons who live, work, attend school, or are paid in Jackpot, Nevada are eligible for membership.
Persons who live or work in, or organizations located within Baker, Malheur, Umatilla, Union, and Wallowa Counties, Oregon are eligible for membership.
Persons who live or work in, or organizations located within all school districts located in the State of Washington, are eligible for membership.

Employers and groups

Organizations or other legal entities located in Cochise, Pima, Pinal, Greenlee, Graham, Santa Cruz, and Yuma Counties, Arizona are eligible for membership.

13 more ways to join

Employers and groups

Members of the association “Friends of Sabino Canyon” located in the state of Arizona are eligible for membership.
Employees of the Credit Union and its wholly or jointly owned credit union service organizations are eligible for membership.
Members of the GoWest Credit Union Association, its employees, and its chapters are eligible for membership.
Employees and members of credit unions located in the State of Idaho are eligible for membership.
All organizations operating with or without employees in any county in the State of Idaho are eligible for membership.
Persons employed in any division, subsidiary or branch of the Micron Corporation and retirees of the same are eligible for membership.

Military, government and schools

Employees and elected officials of the cities and towns in Cochise, Pima, Pinal, Greenlee, Graham, Santa Cruz, and Yuma Counties, Arizona are eligible for membership.
City of Tucson public transit and Airport Authority employees are eligible for membership.

Family and household

Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, step grandparent, stepchildren, stepsibling, adoptive relationships) and persons in a relationship in the same residence maintaining a single economic unit with eligible members of the Credit Union are eligible.
Immediate family members (defined as spouse, child, sibling, parent, grandparent, grandchild, stepparent, step grandparent, stepchildren, stepsibling, adoptive relationships) and persons in a relationship in the same residence maintaining a single economic unit with eligible members of the Credit Union are eligible.

Other ways

Retirees living in the state of Arizona are eligible for membership.
Persons living in the state of Arizona who are sponsored by an existing member are eligible for membership.
Trusts composed entirely of persons (settlor, trustee, and beneficiary) or irrevocable trusts of such persons who are eligible members of the Credit Union are eligible.

Cost to join

Opening an account requires payment of a $5 one-time membership fee.
Opening an account requires a $25 deposit into a Share Savings Account, which becomes the member's share of the Credit Union.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

← ICCU overview

How ICCU’s savings rates compare

ICCU savings score

Current savings rates

High-Yield Online Savings Account

Money Market Savings

Central Cents Savings Account

Choice Savings Account

Idaho First-Time Home Buyer Savings

Idaho Medical Savings Account

Secondary Savings Account

Share Savings Account

Special-purpose accounts

IRA Money Market Savings Account

Coverdell Education Savings Account

Health Savings Account

IRA Savings Account

Share Bear Savings

Starter Savings

Who can join ICCU

Where you live or work

Employers and groups

Employers and groups

Military, government and schools

Family and household

Other ways

Cost to join