Compare Bank & Credit Union Rates
Best CD rates in Idaho
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 46–60 results in Idaho
- Responders Emergency Services Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 1 branch
3.66%APY$366 over 1 year on $10,0003.60% interest rate · Effective Sep 24, 2026
Rate checked
More details - 3.65%APY$90 over 3 months on $10,000intro rate
Requirements
Product: Minimum opening balance of $1,000 in new-to-Tech CU money (funds external to Tech CU within preceding 21 days). Unlimited new-to-Tech CU deposits allowed. One penalty-free withdrawal per calendar month permitted six days after opening, provided withdrawals are more than six days apart and minimum $1,000 balance is maintained.
Offer: Deposit and maintain minimum $1,000 new-to-Tech CU money.
Promotional rate · 3.60% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.61%APY$735 over 24 months on $10,000
Requirements
Product: APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
3.55% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.61%APY$1,123 over 36 months on $10,000
Requirements
Product: APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
3.55% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.60%APY$208 over 7 months on $10,000intro rate
Requirements
Product: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Offer: $1,000 minimum to open ($500 minimum to open for minors). Not available for IRAs or Business. Promotion may be discontinued at any time. A penalty may be assessed for early withdrawal.
Promotional rate · 3.53% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.60%APY$269 over 9 months on $10,000
Requirements
Product: Matures into a 12-month term. Interest is fixed for disclosed term, compounded daily, and credited monthly or quarterly. Early withdrawal penalty may be imposed.
Offer: Must maintain an account balance sufficient to accrue at least $0.01 interest in the statement cycle to obtain disclosed APY.
3.54% interest rate · Compounded daily · Effective Sep 14, 2026
Rate checked
More details - Idaho First BankPromotional CDCD · 10 months · $10,000 min · 3.60%–3.65% by balance
Bank · 7 branches
3.60%APY$299 over 10 months on $10,000intro rateRequirements
Product: Minimum opening deposit of $10,000. Fees may reduce earnings. Penalty for early withdrawal. Promotional offer subject to change without notice. Not available for IRA CDs.
Offer: Penalty for early withdrawal. Fees may reduce earnings. Promotional offer subject to change without notice. Not available for IRA CDs.
Promotional rate · 3.55% interest rate · Effective Apr 7, 2026
Rate by balance
Rate by balance for Promotional CD Balance APY $10,000 – $250,000Your amount 3.60% Over $250,000 3.65% Rate checked
More details - 3.60%APY$733 over 24 months on $10,000
Requirements
Product: Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.54% interest rate · Effective Oct 22, 2026
Rate checked
More details - 3.60%APY$924 over 30 months on $10,000
Requirements
Product: Rate Increase Option allows increasing interest rate and APY one time during term if rates increase. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
Offer: Allows one rate increase during term if applicable interest rates increase.
3.54% interest rate · Effective Oct 22, 2026
Rate checked
More details - TruGrocer Federal Credit UnionMoney Market Share CertificateCD · 6 months · $10,000 min
Credit union · 2 branches
3.56%APY$176 over 6 months on $10,000Requirements
Product: Dividends compounded monthly. Early withdrawal penalty applies if principal is withdrawn prior to maturity. Minimum balance of $10,000 with terms up to 60 months.
3.50% interest rate · Compounded monthly
Rate checked
More details - 3.56%APY$266 over 9 months on $10,000with conditions
Requirements
Product: Fixed interest rate for the term. Interest compounded daily. Variable terms from 3 to 60 months. Minors (age 12-17) eligible with parent/guardian (age 18+). 10-day grace period for penalty-free withdrawals upon automatic renewal.
Offer: CD Special. Earn up to 3.56% APY with a Banner's Best Checking account (current owners earn 0.25% over posted rates; account must be active at renewal). Interest compounds daily and is credited at maturity. On the first maturity date after promotion ends, changes to a standard 6-month fixed rate CD.
Qualified rate · Compounded daily · Effective May 1, 2026
Rate checked
More details - Cottonwood Community Federal Credit UnionTerm CertificatesCD · 12–36 months · $500 min
Credit union · 7 branches
3.55%APYRequirements
Product: $500.00 minimum balance on all Term Certificates. Dividends paid quarterly from certificate origination or renewal date. Early withdrawal penalties may apply.
Offer: Student certificate. Dividends paid quarterly from certificate origination or renewal date.
3.55% interest rate · Effective Dec 1, 2025
Rate checked
More details - 3.55%APY$1,906 over 60 months on $10,000
Requirements
Product: APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
3.50% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.50%APY$86 over 3 months on $10,000intro rate
Requirements
Product: Minimum opening deposit of $100. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal. APY applies to the initial term of a new Certificate of Deposit.
Offer: 90 Day Fixed Rate. A penalty may be imposed for early withdrawal.
Promotional rate · 3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - Rogue Credit UnionCertificate Add On - Small SaversCD · 12 months · $100 min
Credit union · 2 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: Special add-on certificate allows deposits at any time and for any dollar amount during the term. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.45% interest rate · Effective Oct 22, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Idaho
544 CDs at 53 banks and credit unions · checked Oct 6–22
- Typical
- 3.20%
- Top 10% from
- 4.15%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.61%
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Find your bank or credit union to see all its rates and how they compare near you.
Idaho
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 2 branches
- ICCUCredit union · 52 branches
- Responders Emergency Services Credit UnionCredit union · 1 branch