Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 61–72 results in Boise City, ID metro
- 2.50%APY
Requirements
Product: Interest is fixed for the 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.
2.47% interest rate · Compounded daily · Effective Sep 14, 2026
Rate checked
More details - 2.35%APY$1,232 over 60 months on $10,000
Requirements
Product: Penalty required for early withdrawal. Compounded/paid monthly.
Offer: Dividends compounded/paid monthly.
Effective Oct 3, 2026
Rate checked
More details - 2.27%APY$697 over 36 months on $10,000
Requirements
Offer: Fixed rate. Interest compounded and credited quarterly. Additional deposits not allowed. Early withdrawal penalty: 180 days interest. Automatic renewal with 10-day grace period.
2.25% interest rate · Effective Sep 12, 2025
Rate checked
More details - CapEd Credit UnionIdaho MSA CertificateCD · 60 months · $500 min · 2.00%–2.95% by balance
Credit union · 10 branches
2.05%APY$1,068 over 60 months on $10,000intro rateRequirements
Product: Medical Savings Account certificate. No monthly service charges. Dividends are compounded and credited quarterly. Rates current as of October 5, 2026. A penalty may be imposed for withdrawals before maturity.
Offer: Promotional rate. 60 Month term.
Promotional rate · 2.92% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Idaho MSA Certificate Balance APY Any balance 2.95% $500 and up 2.00% $10,000 and upYour amount 2.05% $50,000 and up 2.10% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 15 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.75%APY$906 over 60 months on $10,000
Requirements
Product: 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.
Offer: Early withdrawal penalty: 90 days dividend.
Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.01%APY
Requirements
Product: A penalty for early withdrawal may be charged. Minimum Opening Deposit equals the Minimum Balance to Earn APY.
Offer: Applicable for Certificates of Deposit only and do not apply to IRAs.
0.01% interest rate · Effective Sep 28, 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 Boise City, ID metro
430 CDs at 37 banks and credit unions · checked Oct 6–22
- Typical
- 2.90%
- Top 10% from
- 4.15%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.65%
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Boise City, ID metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 1 branch
- ICCUCredit union · 26 branches
- Westmark Credit UnionCredit union · 5 branches