Compare Bank & Credit Union Rates
Best savings rates in Idaho
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Idaho
- Members Preferred Credit UnionPersonal Money MarketPersonal Money Market · $0 min · 0.00%–4.08% by balance
Credit union · 1 branch
4.08%APY$408 a year on $10,000Requirements
Product: Six transactions allowed out of the account in a given month (by check, cash, pre-authorized, automatic transfer, telephone or electronic means). Account subject to applicable fees if limitations exceeded. Tiered dividend rates based on average daily balance at a split rate; paid monthly. Ability to write checks.
0.00% interest rate
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $1,000 0.00% $1,000 – $5,000 1.51%* $5,000 – $50,000Your amount 4.08%* Over $50,000 2.02%* Rate checked
More details - 3.95%APY$395 a year on $10,000
Requirements
Product: Requires $10 minimum monthly automatic deposit. Additional deposits allowed up to $10,000 per month. Limited to $100,000 total in one or multiple dedicated savings accounts. Early withdrawal penalties may apply. Maintenance or activity fees could reduce earnings.
Offer: Requires $10 minimum monthly automatic deposit. Maximum deposit $10,000 per month, up to $100,000 total across accounts. Early-withdrawal penalties may apply. Dividends credited monthly.
3.88% interest rate · Effective Oct 21, 2026
Rate checked
More details - 3.82%APY$382 a year on $10,000
Requirements
Product: Offered exclusively online and may be discontinued at any time without notice. Not available in AZ, CA, ID, NV, OR, TX, UT, NM and WA states. Not available for IRAs or business accounts. Variable-rate account; interest compounded daily and credited monthly. Must fund account and provide required documentation within 20 business days of account opening.
Offer: No minimum opening deposit. No monthly account service charge.
3.75% interest rate · Compounded daily · No monthly fee · Effective May 4, 2026
Rate checked
More details - First Tech Federal Credit UnionFirst Tech Premier Rewards SavingsSavings · $25 min
Credit union · 1 branch
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Restriction: Cannot also be primary account owner on First Tech Rewards Savings, First Tech Rewards Checking, and/or Dividend Rewards Checking. Account must be a personal account or trust account/fiduciary account. Business, Organization, and HSA accounts are not eligible. Primary account owner must also be primary account owner on a Membership Share Savings account. Enrollment requirements: within 30 days of program enrollment, achieve minimum aggregate deposit balance of $250,000 across First Tech share accounts or $500,000 via Addison Avenue Investment Services. Ongoing: maintain minimum average daily balance of $250,000 across share accounts or $500,000 via Addison Avenue Investment Services.
Qualified rate · 3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - ICCUHigh-Yield Online Savings AccountSavings · $1,000 min · 0.00%–3.40% by balance
Credit union · 52 branches
3.40%APY$340 a year on $10,000Requirements
Product: Requires ICCU membership (Share Savings Account with minimum $25 opening balance and one-time $5 membership fee). Free online eStatements required.
Offer: Monthly service fee is $10 if balance is less than $1,000.
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for High-Yield Online Savings Account Balance APY Up to $999 0.00% $1,000 – $24,999Your amount 3.40% $25,000 – $49,999 3.40% $50,000 – $99,999 3.40% $100,000 – $249,999 3.40% $250,000 and up 3.40% Rate checked
More details - 3.03%APY$303 a year on $10,000with conditions
Requirements
Product: Must be 18 and over. Tether Savings and Tether Checking are a bundled pair and must be opened and maintained to qualify for the account. Electronic statements are required. No monthly service fees.
Offer: To earn stated APY: must open both Tether savings and Tether checking, agree to receive electronic/online statements, maintain a minimum balance of $50 in Tether Savings, and make monthly electronic transfer/deposit of $50 or more from Tether checking to Tether savings. Stated APY paid on balances up to $15,000.
Qualified rate · Balance cap $15,000 · No monthly fee · Effective Sep 28, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Primary account owner must also be primary account owner of a First Tech Rewards Checking account and Membership Share Savings account.
Offer: Qualified rate: Requires meeting monthly First Tech Rewards Checking qualification requirements (aggregate spend of at least $1,000/month on debit/credit card, ACH or direct deposits totaling at least $1,000/cycle, and enrollment in electronic statements/disclosures).
Qualified rate · 2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - Rogue Credit UnionMyMoney MarketMyMoney Market · $0 min · 1.50%–3.00% by balance
Credit union · 2 branches
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Requires a MyRewards Checking account. If MyRewards Checking is closed, account converts to standard Money Market offering. Higher APY requires meeting MyRewards Checking requirements including avoiding the $10 service fee. Avoid $5 monthly participation fee by meeting at least one participation option.
Offer: Applies to balances $0 to $250,000 when MyRewards Checking fee is avoided by meeting monthly qualifying deposit, transaction, and e-statement requirements.
Qualified rate · 2.96% interest rate · No monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for MyMoney Market Balance APY Up to $250,000Your amount 3.00% Over $250,000 1.50% Rate checked
More details - Lookout Credit UnionMoney Market Plus Account - New Money PromoMoney Market Plus Account - New Money Promo · $0 min · 0.75%–3.00% by balance
Credit union · 6 branches
3.00%APY$300 a year on $10,000intro rateRequirements
Product: New money promo only. Membership eligibility required. Compounded monthly, paid monthly. Dividend rate and APY may change at any time as determined by the Lookout Credit Union Board of Directors. Fees could reduce earnings.
Offer: Compounded monthly, paid monthly.
Promotional rate · Compounded monthly · Effective Jan 1, 2026
Rate by balance
Rate by balance for Money Market Plus Account - New Money Promo Balance APY Up to $9,999 0.75% $10,000 and upYour amountNew money only promo. 3.00% Rate checked
More details - 2.79%APY$279 a year on $10,000
Requirements
Product: STCU membership is required to open account. Rate is variable and balance tiers may change after account is opened.
Offer: APY accurate as of last dividend declaration date. Rate variable; balance tiers may change after opening. Dividends compounded monthly. No monthly service charge. Unlimited in-person deposits and withdrawals. Limited to six pre-authorized/remote transfers per month with excess fees possible.
Compounded monthly · No monthly fee · Effective Jul 1, 2026
Rate checked
More details - Cottonwood Community Federal Credit UnionHigh Yield Share AccountSavings · $0 min · 2.53%–3.04% by balance
Credit union · 7 branches
2.73%APY$273 a year on $10,0002.50% interest rate · Effective Dec 1, 2025
Rate by balance
Rate by balance for High Yield Share Account Balance APY Up to $2,499 2.53% $2,500 – $9,999 2.63% $10,000 – $19,999Your amount 2.73% $20,000 – $49,999 2.83% $50,000 – $74,999 2.93% $75,000 and up 3.04% Rate checked
More details - 2.50%APY$250 a year on $10,000with conditions
Requirements
Product: Linked Ridgeline Rewards or Compass Cash Back account required. No monthly maintenance fees, no minimum balance to earn rewards, no minimum deposit to open.
Offer: When qualifications are met in linked Ridgeline Rewards or Compass Cash Back account during Monthly Qualification Cycle (at least 12 debit card purchases, each greater than $5.00; at least 1 ACH credit, ACH payment, or direct deposit transaction; and enrolled in e-statements).
Qualified rate · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - Potlatch No 1 Financial Credit UnionMoney Market AccountMoney Market Account · $500 min · 2.47%–3.49% by balance
Credit union · 20 branches
2.47%APY$247 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $500.00. Minimum average daily balance of $500.00 required to obtain disclosed APY. Early withdrawal penalties may apply. Account offers standard non-qualifying rates and qualifying bump rates when linked to an Ascend Checking account meeting monthly dividend qualifications.
Offer: Qualifying Bump Rate. Requires linking an Ascend Checking account and meeting monthly qualifications: 1) Enrollment in eStatements with a valid email, 2) Minimum of 20 posted debit card transactions per month (excluding ATM transactions), and 3) Monthly direct deposit of over $250. If qualifications are not met, defaults to standard non-qualifying rate.
Qualified rate · 2.45% interest rate · Effective Sep 22, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $500 – $25,000Your amount 2.47% $25,000 – $100,000 2.58% $100,000 – $250,000 3.29% $250,000 – $500,000 3.39% $500,000 and up 3.49% Rate checked
More details - 2.35%APY$235 a year on $10,000
Requirements
Product: Rates are tiered based on deposit amounts.
Offer: Balances Below $1,000
0.00% interest rate · Effective Oct 8, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $1,000 0.00% $1,000 and upYour amount 2.35% Rate checked
More details - Westmark Credit UnionHigh-Yield SavingsSavings · $1,000 min · 0.00%–2.45% by balance
Credit union · 15 branches
2.20%APY$220 a year on $10,000Requirements
Product: 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.
Offer: Below $1,000 balance earns 0.00% APY and incurs a $10 monthly fee.
$10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $1,000 0.00% $1,000 – $99,999Your amount 2.20% $100,000 – $249,999 2.30% $250,000 – $499,999 2.40% $500,000 and up 2.45% 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 savings accounts pay in Idaho
179 accounts at 54 banks and credit unions · checked Oct 15–22
- Typical
- 0.12%
- Top 10% from
- 2.00%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.15%
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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