Credit union · Privately insured
St. Joe Valley Credit Union CD Rates
A $13.9M credit union headquartered in St. Maries, ID, with 1,135 members and 1 branch in Idaho.
How St. Joe Valley Credit Union’s CD rates compare
Compared with banks and credit unions in Idaho, where St. Joe Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Joe Valley Credit Union
0.10%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $10
IRA Certificates of Deposit - 12 Months Maturity
Top rate
Freedom Northwest
5.03%APY
- Term
- 23 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $986
2nd-highest rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
IRA Certificates of Deposit - 12 Months Maturity
0.10%APY · 1 term
Early withdrawal penalties may apply. Rates subject to change. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalties may apply. Fees may reduce earnings | 0.10% | $10 |
Sources (1)
- stjoevalleycu.com/dividends.html · captured Sep 16, 2026
Who can join St. Joe Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- All people living within a radius of 35 miles of the city of St. Maries are eligible for membership.
Employers and groups
- All people employed within a radius of 35 miles of the city of St. Maries are eligible for membership.
Military, government and schools
- All military personnel having their permanent residence within the service area are eligible for membership.
Family and household
- Immediate families of people living in or employed within a radius of 35 miles of the city of St. Maries are eligible for membership.
- Immediate families of military personnel having their permanent residence within the service area are eligible for membership.
Other ways
- Entities with a business address located within the membership area and organizations of eligible persons are eligible for membership.
Cost to join
- A deposit of $10.00 into a new share/savings account is required to establish membership.
Membership information collected October 4, 2026.