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 16–30 results in Idaho Falls, ID metro
- 3.75%APY$471 over 15 months on $10,000
Requirements
Product: Minimum deposit $5,000. Features 1 rate bump and 1 withdrawal (up to 25%) during your term. Dividends compounded quarterly.
Offer: 15-month term. 1 rate bump & 1 withdrawal (up to 25%). Dividends compounded quarterly.
Compounded quarterly · Effective Sep 21, 2026
Rate checked
More details - 3.75%APY$2,021 over 60 months on $10,000
Requirements
Product: Insured up to $250,000 by NCUA. Early withdrawal penalties apply (30 days dividends for maturity of one year or less; 90 days dividends for maturity of more than one year).
Offer: One Jump Option: If rates increase within the certificate term, account holder can jump to the higher rate once for the remainder of the term (not including CD limited-time offers).
3.69% interest rate · Effective Jun 11, 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
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More details - 3.50%APY$560 over 19 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 · 3.44% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.05%APY$75 over 3 months on $10,000
Requirements
Product: For CDs from $1,000 up to and including $99,999. Fixed interest rate, compounded daily. Online account opening requires minimum 3 month term and deposit less than $100,000 funded via existing Zions Bank account or wire transfer. Early withdrawal penalties apply.
Offer: Term 3 MONTHS. Fixed rate. Rates displayed for Idaho and Utah.
3.00% interest rate · Compounded daily · Balance cap $99,999 · Effective Oct 3, 2026
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More details - 3.05%APY
Requirements
Product: $1,000 minimum to open ($500 minimum for minors). A penalty may be assessed for early withdrawal.
Offer: Term: 6 - 11 Months. Renewal Term: 6 - 11 Months. A penalty may be assessed for early withdrawal.
3.00% interest rate · Effective Oct 14, 2026
Rate checked
More details - 2.95%APY$754 over 30 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 · 2.90% interest rate · Effective Oct 14, 2026
Rate checked
More details - 2.60%APY$1,369 over 60 months on $10,000
Requirements
Product: Penalty required for early withdrawal. Compounded/paid monthly. An active Rewards Checking account qualifies for a 0.25% APY rate increase.
Offer: Requires active Rewards Checking for .25% rate increase.
Effective Oct 3, 2026
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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
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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 - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 3 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 - 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
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 Falls, ID metro
249 CDs at 15 banks and credit unions · checked Oct 6–22
- Typical
- 2.05%
- Top 10% from
- 4.20%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.80%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Idaho Falls, ID metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ICCUCredit union · 5 branches
- Westmark Credit UnionCredit union · 6 branches
- Goldenwest Credit UnionCredit union · 1 branch