Credit union · NCUA insured
Westmark Credit Union Savings Rates
Top CarrotWestmark Credit Union’s best savings rate is 2.20% APY on $10,000, with its High-Yield Savings. Rates checked October 22, 2026.
How Westmark Credit Union’s savings rates compare
Compared with banks and credit unions near Idaho Falls, ID, where Westmark Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Westmark Credit Union
2.20%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $220
High-Yield Savings
Top rate
Members Preferred Credit Union
4.08%APY
- Minimum
- $0
- Earns on $10,000 a year
- $408
2nd-highest rate
WaFd Bank
3.82%APY
- Minimum
- $0
- Earns on $10,000 a year
- $382
Westmark Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.20%
- $10,000 balance$10,0002.20%
- $100,000 balance$100,0002.30%
- QualifiedQualified2.20%
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 Westmark Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
First Time Home Buyer Savings
4.00%APY
Special savings program for first-time homebuyers.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 4.00% | $400 |
High-Yield Savings
2.20%APY
Managed online. Requires Westmark membership ($5 Primary Savings minimum) and eStatements. 6 free withdrawals per month ($10 fee per additional withdrawal). $10 monthly fee applies if balance falls below $1,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Below $1,000 balance earns 0.00% APY and incurs a $10 monthly fee. | 0.00% | — | Below $1,000 balance earns 0.00% APY and incurs a $10 monthly fee. |
| $1,000 – $99,999Balance tier $1,000 – $99,999. Monthly fee waived with balance of $1,000 or more. | 2.20% | $220 | Balance tier $1,000 – $99,999. Monthly fee waived with balance of $1,000 or more. |
| $100,000 – $249,999Balance tier $100,000 – $249,999. | 2.30% | — | Balance tier $100,000 – $249,999. |
| $250,000 – $499,999Balance tier $250,000 – $499,999. | 2.40% | — | Balance tier $250,000 – $499,999. |
| $500,000 and upBalance tier $500,000+. | 2.45% | — | Balance tier $500,000+. |
Sources (3)
- westmark.org/new-branded-broch…s/Savings%20Accounts.pdf
- westmark.org/rates
- westmark.org/accounts/high-yield-online-savings.html
All captured Oct 3, 2026
Premium Money Market
2.00%APY
Dividends compounded monthly. 6 free withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5,000 and up | 2.00% | $200 |
Sources (2)
All captured Oct 3, 2026
Platinum Money Market
1.50%APY
Dividends compounded monthly. 6 free withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $20,000 and up | 1.50% | — |
Sources (2)
All captured Oct 3, 2026
Medical Savings Account
1.00%APY
Available to members with taxable income to shelter gross income from Idaho State Income Taxes (up to $10,000 per year for individuals, $20,000 for married couples filing jointly). Dividends calculated daily and compounded monthly. No set-up charges or service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance or deposit requirement. No service fees.Any balance | 1.00% | $100 | No minimum balance or deposit requirement. No service fees. |
Sources (3)
- westmark.org/new-branded-broch…20Savings%20Accounts.pdf
- westmark.org/rates
- westmark.org/accounts/medical.html
All captured Oct 3, 2026
Daily Dividend Savings
0.10%APY
No minimum balance or deposit requirements. Dividends compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded monthly. No monthly maintenance fee.Any balance | 0.10% | $10 | Dividends compounded monthly. No monthly maintenance fee. |
Sources (3)
- westmark.org/new-branded-broch…s/Savings%20Accounts.pdf
- westmark.org/rates
- westmark.org/accounts/savings.html
All captured Oct 3, 2026
Primary Savings
0.10%APY
Establishes membership at Westmark Credit Union. Requires a $5 minimum deposit and balance. Dividends compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded quarterly. No monthly maintenance fee.$5 and up | 0.10% | $10 | Dividends compounded quarterly. No monthly maintenance fee. |
Sources (3)
- westmark.org/new-branded-broch…s/Savings%20Accounts.pdf
- westmark.org/rates
- westmark.org/accounts/savings.html
All captured Oct 3, 2026
Special-purpose accounts
IRA Money Market
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Sources (1)
- westmark.org/rates · captured Oct 3, 2026
BlueBirds Savings Account
0.25%APY
Designed for children 12 and under, including newborns. Automatic transfers are not permitted. No minimum balance and no monthly fees. Newborn accounts opened prior to first birthday receive a $10 initial deposit from Westmark.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance and no monthly fees. Dividends compounded quarterly.Any balance | 0.25% | $25 | No minimum balance and no monthly fees. Dividends compounded quarterly. |
Sources (3)
- westmark.org/new-branded-broch…s/Savings%20Accounts.pdf
- westmark.org/rates
- westmark.org/accounts/youth.html
All captured Oct 3, 2026
Who can join Westmark Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to those employed by or retired from most employers located in one of Westmark's 34 counties throughout Idaho.
- Eligibility is open to those who work for or are retired from one of Westmark's several hundred member firms, employer groups, or associations.
Family and household
- Eligibility is open to blood relatives of a current Westmark Credit Union member.
Cost to join
- Opening and maintaining membership requires opening a Primary Savings Account with a minimum deposit of $5.00 maintained at all times.
Membership information collected October 4, 2026.