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 1–15 results in Idaho
- 4.38%APY$438 over 1 year 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.
4.30% interest rate · Effective Sep 28, 2026
Rate checked
More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: All Pioneer Term Certificates qualify for a one-time rate bump if rates go up during the term of that certificate. Early withdrawal penalty applies.
Offer: Minimum balance of $500 to earn APY; early withdrawal penalty applies.
4.07% interest rate · Effective Oct 21, 2026
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More details - 4.15%APY$415 over 1 year on $10,000
Requirements
Product: $500 minimum opening deposit. 1-time additional deposit in first 60 days. Penalty for early withdrawal. No institutional deposits. Compounding and crediting: terms less than 12 months compounded/credited at maturity; terms 12 months or greater compounded/credited quarterly.
4.09% interest rate
Rate checked
More details - Clarity Credit UnionShare CertificatesCD · 12 months · $250 min · 4.10%–4.20% by balance
Credit union · 6 branches
4.10%APY$410 over 1 year on $10,000Requirements
Product: Fixed rates; higher rates for longer terms; no setup or maintenance fees; early withdrawal subject to penalty; renews automatically upon maturity after 10-day grace period; available terms range from 6 months to 2 years.
Offer: Dividend Term: Monthly. Penalty for early withdrawal.
4.03% interest rate · Effective Sep 14, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $250 and upYour amount 4.10% $100,000 and up 4.20% Rate checked
More details - Mountain America Credit UnionStandard CertificateCD · 12 months · $500 min
Credit union · 12 branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Requires $500 to open and maintain. Withdrawals before maturity will result in early withdrawal penalty. Funds cannot be added after initial deposit. No maximum balance limit.
3.98% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.05%APY$405 over 1 year on $10,000
Requirements
Product: Requires $5 minimum balance to open and maintain. Funds can be added anytime up to $100,000 cumulative cap across all growth certificates per primary accountholder. Requires automated monthly deposit of at least $10. Converts to standard certificate at maturity if over aggregate limit. Early withdrawal penalty applies.
Offer: Requires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder.
3.98% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
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More details - 4.05%APY$405 over 1 year on $10,000
Requirements
Product: Minimum deposit to earn dividends is $500. Terms range from 1 to 60 months. Dividends paid monthly. Bump option available at opening (0.15% lower than stated rate for one-time rate bump). President's Club members earn an additional 0.25%. Early withdrawal penalties apply.
3.98% interest rate · Effective Oct 1, 2026
Rate checked
More details - America First Credit UnionLadder Certificate AccountsCD · 12–17 months · $500 min
Credit union · 2 branches
4.05%APYRequirements
Product: Laddering certificate accounts across terms. Matured accounts renew to longest ladder term.
Offer: Early-withdrawal penalties may apply. Dividends credited monthly.
3.98% interest rate · Effective Oct 21, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Rates are fixed. Dividends may be withdrawn without penalty; early withdrawal of principal may incur penalties.
Effective Oct 19, 2026
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More details - Rogue Credit UnionTreasure Valley Certificates $500 or MoreCD · 12 months · $500 min
Credit union · 2 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Treasure Valley rates. Dividends compounded and credited monthly. Penalty for early withdrawal. $0 monthly fee.
3.93% interest rate · Effective Oct 22, 2026
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More details - Rogue Credit UnionTreasure Valley Certificate Add On - Small SaversCD · 12 months · $100 min
Credit union · 2 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Treasure Valley Small Savers 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.
3.93% interest rate · Effective Oct 22, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: All certificates can be added onto, $200 minimum add on. Penalty for early withdrawal may apply. Fees may reduce earnings.
Offer: 12 month term. All certificates can be added onto, $200 minimum add on.
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Dividends calculated daily. Terms of 1 year or more compounded and paid quarterly; terms under 1 year paid at maturity. Monthly dividend payout to Checking/Savings available for in-person accounts with terms of 6+ months. Automatically renews at maturity. Early withdrawal penalty applies.
3.94% interest rate · Effective Sep 1, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
4.00% interest rate · Effective Sep 15, 2026
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More details - 3.95%APY$395 over 1 year on $10,000
Requirements
Product: Substantial penalty is imposed on early withdrawals. APY assumes interest will remain on deposit until maturity.
3.89% interest rate · Effective Oct 16, 2026
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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 1-year CDs pay in Idaho
65 CDs at 46 banks and credit unions · checked Oct 6–22
- Typical
- 3.50%
- Top 10% from
- 4.05%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.66%
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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