Credit union · NCUA insured
Lookout Credit Union CD Rates
Lookout Credit Union’s best CD rate is 3.85% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Lookout Credit Union’s CD rates compare
Compared with banks and credit unions near Pocatello, ID, where Lookout Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lookout Credit Union
3.85%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $191
Limited Time CD Specials
Top rate
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $920
2nd-highest rate
The Bank of Commerce
4.30%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $652
Lookout Credit Union CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo2.20%
- 31–60 months31–60 mo2.60%
- QualifiedQualified3.85%
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.
Where Lookout Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Limited Time CD Specials
3.85%APY · 2 terms
New money is required. $500 minimum opening deposit. Early withdrawal penalty applies. Offer not available with any other rate increases or promotional rates. Membership qualifications may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNew money required | 3.85% | $191 |
| 9 monthsNew money required | 3.85% | $287 |
Sources (1)
- lookoutcu.com/cd-specials.html · captured Oct 3, 2026
Rewards CD
Up to 2.60%APY · 9 terms
Penalty required for early withdrawal. Compounded/paid monthly. An active Rewards Checking account qualifies for a 0.25% APY rate increase.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsBase rate without active Rewards Checking | 1.40% | $35 |
| 3 monthsRequires active Rewards Checking for .25% rate increase | 1.65% | $41 |
| 6 monthsBase rate without active Rewards Checking | 1.40% | $70 |
| 6 monthsRequires active Rewards Checking for .25% rate increase | 1.65% | $82 |
| 12 monthsBase rate without active Rewards Checking | 1.80% | $180 |
| 12 monthsRequires active Rewards Checking for .25% rate increase | 2.05% | $205 |
| 18 monthsBase rate without active Rewards Checking | 1.85% | $279 |
| 18 monthsRequires active Rewards Checking for .25% rate increase | 2.10% | $317 |
| 24 monthsBase rate without active Rewards Checking | 1.90% | $384 |
| 24 monthsRequires active Rewards Checking for .25% rate increase | 2.15% | $435 |
| 30 monthsBase rate without active Rewards Checking | 1.95% | $495 |
| 30 monthsRequires active Rewards Checking for .25% rate increase | 2.20% | $559 |
| 36 monthsBase rate without active Rewards Checking | 2.10% | $643 |
| 36 monthsRequires active Rewards Checking for .25% rate increase | 2.35% | $722 |
| 48 monthsBase rate without active Rewards Checking | 2.20% | $909 |
| 48 monthsRequires active Rewards Checking for .25% rate increase | 2.45% | $1,017 |
| 60 monthsBase rate without active Rewards Checking | 2.35% | $1,232 |
| 60 monthsRequires active Rewards Checking for .25% rate increase | 2.60% | $1,369 |
Sources (2)
All captured Oct 3, 2026
Share Certificate
Up to 2.35%APY · 9 terms
Penalty required for early withdrawal. Compounded/paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded/paid monthly | 1.40% | $35 |
| 6 monthsDividends compounded/paid monthly | 1.40% | $70 |
| 12 monthsDividends compounded/paid monthly | 1.80% | $180 |
| 18 monthsDividends compounded/paid monthly | 1.85% | $279 |
| 24 monthsDividends compounded/paid monthly | 1.90% | $384 |
| 30 monthsDividends compounded/paid monthly | 1.95% | $495 |
| 36 monthsDividends compounded/paid monthly | 2.10% | $643 |
| 48 monthsDividends compounded/paid monthly | 2.20% | $909 |
| 60 monthsDividends compounded/paid monthly | 2.35% | $1,232 |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
IRA Certificate
Up to 2.60%APY · 9 terms
Penalty required for early withdrawal. Compounded/paid monthly. Available as Traditional IRA and Roth IRA options. Includes .25% increase over regular certificate rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends compounded/paid monthly. Includes .25% IRA CD increase | 1.65% | $41 |
| 6 monthsDividends compounded/paid monthly. Includes .25% IRA CD increase | 1.65% | $82 |
| 12 monthsDividends compounded/paid monthly. Includes .25% IRA CD increase | 2.05% | $205 |
| 18 monthsDividends compounded/paid monthly. Includes .25% IRA CD increase | 2.10% | $317 |
| 24 monthsDividends compounded/paid monthly. Includes .25% IRA CD increase | 2.15% | $435 |
| 30 monthsDividends compounded/paid monthly. Includes .25% IRA CD increase | 2.20% | $559 |
| 36 monthsDividends compounded/paid monthly. Includes .25% IRA CD increase | 2.35% | $722 |
| 48 monthsDividends compounded/paid monthly. Includes .25% IRA CD increase | 2.45% | $1,017 |
| 60 monthsDividends compounded/paid monthly. Includes .25% IRA CD increase | 2.60% | $1,369 |
Sources (2)
- lookoutcu.com/rates/certificate-and-ira-rates.html
- lookoutcu.com/savings/individu…ement-accounts-iras.html
All captured Oct 3, 2026
Who can join Lookout Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members, employees, volunteers, or residents of affiliated associations and foundations (including local humane societies, Community Impact Fund, Zoo Idaho Zoological Society, North Park Village Condominium Association, and others) are eligible for membership.
- Employees of specified health care and dental providers (Gateway Transitional Care Center, Portneuf Medical Center, Eastern Idaho Regional Medical Center, Bingham Memorial Hospital, Yellowstone Dental Associates, Sugar Bugs Pediatric Dentist, Fellows Dental, Larsen Dental Office, Mountain View Hospital, Portneuf Valley Family Center) are eligible to join.
- Employees of North Wind, Inc. who work in or are paid from the North Wind office in Idaho Falls, and their families, are eligible to join.
- Contractors and employees of contractors providing goods and/or services to the Blackfoot and Snake River school systems are eligible to join.
- Employees of select employers (Costco of Pocatello, JC Penny Pocatello, Hampton Inn and Suites Pocatello, Bannock Animal Medical Center Chubbuck, Alta Animal Hospital Pocatello, Bannock County in Pocatello, McCain Foods and Americold in Burley) are eligible to join.
Military, government and schools
- Employees and students of the College of Eastern Idaho are eligible to join.
10 more ways to join
Military, government and schools
- Employees and members of the ISU Bengal Foundation are eligible to join.
- Concessionaires and employees of concessionaires who work on the Idaho State University campus are eligible to join.
- Faculty, staff, students, and alumni of Idaho State University are eligible for membership.
- Military personnel assigned for duty to Idaho State University are eligible to join.
- Employees of the City of Ammon (working in/paid from Ammon, ID), City of Idaho Falls (working in/paid from Idaho Falls, ID), Bonneville County (working in/paid from Idaho Falls, ID), or White Pine Charter School (working in/paid from Idaho Falls, ID) are eligible to join.
- Employees and students of the Nathan Lane Institute of Cosmetology are eligible for membership.
- Employees and students of specified Southeast Idaho School Districts (including Marsh Valley #21, Soda Springs #150, Blackfoot #55, Snake River #52, Firth #59, Grace #148, Rockland #382, Aberdeen #58, Pocatello Community Charter School #25, Jefferson Joint School District #251, Idaho Falls School District #91, Bonneville Joint School District #93, Connor Academy, Holy Spirit Catholic School, Blackfoot Charter School #55, Pocatello-Chubbuck School District #25, Cassia School District #151, and Minidoka School District #331) are eligible for membership.
- Employees of specified Southeast Idaho School Districts (American Falls #381, Oneida/Malad #351, North Gem #149, Preston #201, Westside #202, and Joint Shelley School District #60) are eligible to join.
- Students attending and employees of the Idaho State University/University of Idaho Center for Higher Education at University Place (including Idaho National Laboratories contract employees working regularly there) are eligible for membership.
Family and household
- Family members of current or eligible members of Lookout Credit Union are eligible to join.
Membership information collected October 4, 2026.