Compare Bank & Credit Union Rates
Best savings rates in Caldwell, ID
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Caldwell, ID
- 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 - ICCUHigh-Yield Online Savings AccountSavings · $1,000 min · 0.00%–3.40% by balance
Credit union · 3 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 - Columbia BankThrive Money Market SpecialThrive Money Market Special · $10,000 min · 0.05%–2.60% by balance
Bank · 1 branch
2.00%APY$200 a year on $10,000intro rateRequirements
Product: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. Interest rate and APY may change after account opening.
Offer: You must make a minimum deposit of $10,000 of qualifying new money or deposit your maturing CD balance into your new account. To qualify for the promotional rate, new money must not have been previously deposited at the bank (with the exception of maturing CD balances). Contact your local branch to open. The interest rate and annual percentage yield may change after account opening.
Promotional rate · 0.05% interest rate
Rate by balance
Rate by balance for Thrive Money Market Special Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.00% $50,000 – $100,000 2.00% $100,000 – $250,000 2.60% $250,000 and up 2.60% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - CapEd Credit UnionHigh Yield SavingsSavings · $0 min · 0.10%–1.50% by balance
Credit union · 1 branch
1.50%APY$150 a year on $10,000with conditionsRequirements
Product: Bundled with and requires a High Yield Checking account. Limit one account per Social Security number.
Offer: Qualifications met (at least one direct deposit or ACH withdrawal of $500+ and at least twelve debit card purchases of $5+ post and settle per qualification cycle).
Qualified rate · 1.49% interest rate · No monthly fee
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $50,000Your amount 1.50% $50,000 and upQualifications met; 0.10% Rate checked
More details - Pioneer Federal Credit UnionHigh Yield Savings AccountSavings · 0.60%–4.10% by balance
Credit union · 1 branch
1.35%APY$135 a year on $10,000Requirements
Product: Must maintain a minimum daily balance of $2,500 to earn dividends. Compounding & Crediting is monthly. Dividend Period is monthly. Daily Balance Computation Method applies a daily periodic rate to the daily balance each day.
Offer: Balance tier < $2,500.
Effective Sep 2, 2025
Rate by balance
Rate by balance for High Yield Savings Account Balance APY Up to $2,500 0.60% $2,500 and up 1.00% $10,000 and upYour amount 1.35% $25,000 and up 1.70% $50,000 and up 2.05% $75,000 and up 2.40% $100,000 and up 2.75% $250,000 and up 3.10% $500,000 and up 3.60% $1,000,000 and up 4.10% Rate checked
More details - WaFd BankHigh Yield Money MarketHigh Yield Money Market · $25 min · 1.25%–2.00% by balance
Bank · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Promotion may be discontinued at any time. Not available for IRAs or business clients.
Offer: $1,000 minimum balance to avoid $10 monthly service charge.
1.24% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $89,999Your amount 1.25% $90,000 – $249,999 1.50% $250,000 – $499,999 1.60% $500,000 and up 2.00% Rate checked
More details - CapEd Credit UnionMoney Market CheckingMoney Market Checking · $2,500 min · 1.25%–2.50% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Personal accounts only. Dividends paid monthly when minimum balance to earn dividends is met ($2,500.00). $18.00 monthly fee if account falls below $2,500.00. Up to 3 withdrawals per month without a fee when minimum withdrawal ($200.00) is met; $5.00 fee for withdrawals under $200.00 or exceeding 3 withdrawals.
Offer: Monthly fee waived when balance is $2,500.00 or more.
1.24% interest rate · $18 monthly fee
Rate by balance
Rate by balance for Money Market Checking Balance APY $2,500 – $25,000Your amount 1.25% $25,000 – $50,000 1.50% $50,000 – $75,000 1.75% $75,000 – $250,000 2.00% $250,000 and up 2.50% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
- 0.45%APY$45 a year on $10,000with conditions
Requirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $100,000Your amountRelationship rate tier (e.g., Gold Account relationship). 0.45% $100,000 – $250,000Relationship rate tier (e.g., Gold Account relationship). 0.75% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.85% $1,000,000 and upRelationship rate tier (e.g., Gold Account relationship). 1.36% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $5,000 min · 0.45%–1.46% by balance
Bank · 1 branch
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.45% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $5,000 – $100,000Your amount 0.45% $100,000 – $250,000 0.80% $250,000 – $500,000 1.06% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.46% Rate checked
More details - ICCUMoney Market SavingsMoney Market Savings · $25 min · 0.00%–1.00% by balance
Credit union · 3 branches
0.40%APY$40 a year on $10,000Requirements
Product: Available to ICCU members who live or work in Idaho, Washington, eastern Oregon, or Arizona.
Offer: $15 monthly service fee if balance is less than $2,500. Minimum balance to earn interest is $2,500.
0.00% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $2,499 0.00% $2,500 – $24,999Your amount 0.40% $25,000 – $49,999$15 monthly service fee waived with balance of $2,500 or more. 0.60% $50,000 – $99,999$15 monthly service fee waived with balance of $2,500 or more. 0.75% $100,000 and up$15 monthly service fee waived with balance of $2,500 or more. 1.00% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% 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 Caldwell, ID
54 accounts at 13 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 1.46%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.18%
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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