Credit union · NCUA insured
Simplot Credit Union CD Rates
Simplot Credit Union’s best CD rate is 4.00% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Simplot Credit Union’s CD rates compare
Compared with banks and credit unions near Boise City, ID, where Simplot Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Simplot Credit Union
4.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $299
Promo CD
Top rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
2nd-highest rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,522
Simplot Credit Union CD score
70
CD score
Higher than 26% of U.S. banks and credit unions
- 3–8 months3–8 mo0.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo1.00%
- 31–60 months31–60 mo1.75%
- QualifiedQualified4.00%
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 Simplot 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.
Promo CD
4.00%APY · 1 term
Promotional certificate. Early withdrawal penalty: 30 days dividend.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsEarly withdrawal penalty: 30 days dividend | 4.00% | $299 |
Sources (1)
- simplotcu.com/certificates-iras · captured Sep 16, 2026
Share Certificates
Up to 1.75%APY · 7 terms
Early withdrawal from certificates will be subject to a 30 day dividend penalty for certificates 6 to 12 months or a 90 day dividend penalty for certificates 18 months and up.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty: 30 days dividend | 0.50% | $25 |
| 12 monthsEarly withdrawal penalty: 30 days dividend | 0.60% | $60 |
| 18 monthsEarly withdrawal penalty: 90 days dividend | 0.70% | $105 |
| 24 monthsEarly withdrawal penalty: 90 days dividend | 1.00% | $201 |
| 36 monthsEarly withdrawal penalty: 90 days dividend | 1.25% | $380 |
| 48 monthsEarly withdrawal penalty: 90 days dividend | 1.50% | $614 |
| 60 monthsEarly withdrawal penalty: 90 days dividend | 1.75% | $906 |
Sources (1)
- simplotcu.com/certificates-iras · captured Sep 16, 2026
Special-purpose accounts
Youth CD
4.00%APY · 1 term
Youth CD. Early withdrawal penalty: 30 days dividend.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty: 30 days dividend | 4.00% | $400 |
Sources (1)
- simplotcu.com/certificates-iras · captured Sep 16, 2026
Who can join Simplot Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.