Compare Bank & Credit Union Rates
Best savings rates in Sandpoint, 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 Sandpoint, 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 - 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 - 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 - 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 - Washington Trust BankPreferred Money MarketPreferred Money Market · $500 min · 0.15%–0.75% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Tiered rates. Monthly service charge of $10 waived if the $3,000 average ledger balance requirement is met. Rate may change after account is opened. Eligible to receive single wallet style WTB Custom checks when ordered with bulk shipping at no cost.
Offer: Monthly service charge of $10 waived if $3,000 average ledger balance is maintained.
0.15% interest rate · $10 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Preferred Money Market Balance APY $1 and up 0.15% $5,000 and up 0.15% $10,000 and upYour amount 0.20% $15,000 and up 0.20% $25,000 and up 0.25% $50,000 and up 0.35% $100,000 and up 0.75% $500,000 and up 0.75% $1,000,000 and up 0.75% Rate checked
More details - Washington Trust BankSignature Money MarketSignature Money Market · $10,000 min · 0.15%–2.02% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Tiered rates. Monthly service charge of $15 waived if the $20,000 average ledger balance requirement is met. Rate may change after account is opened. Eligible to receive single wallet style WTB Custom checks when ordered with bulk shipping at no cost.
Offer: Monthly service charge of $15 waived if $20,000 average ledger balance is maintained.
0.15% interest rate · $15 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Signature Money Market Balance APY $1 and up 0.15% $10,000 and upYour amount 0.20% $20,000 and up 0.25% $50,000 and up 0.35% $100,000 and up 0.75% $500,000 and up 2.02% $1,000,000 and up 2.02% $3,000,000 and up 2.02% $5,000,000 and up 2.02% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Interest is compounded daily and credited on the last day of the statement cycle for Money Market accounts. Variable-rate account.
Offer: $1,000 minimum balance to earn interest and avoid $10 monthly service charge.
0.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $14,999Your amount 0.15% $15,000 and up$1,000 minimum balance to avoid $10 monthly service charge. 0.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Variable-rate savings account. Monthly fee is $3 (waived with $100 minimum balance; free for minors up to age 18).
Offer: Minimum balance to earn interest is $100. Monthly fee of $3 is waived on balances of $100 or more.
0.10% interest rate · $3 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Requires an active WaFd checking account to open. Maximum of three Start Savings accounts per Taxpayer Identification Number (TIN). Variable blended rate.
Offer: Tier 1 blended rate for balances $0 to $500. Requires an active checking account to open.
Qualified rate · 4.88% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Start Savings Balance APY Up to $500 5.00% $500 – $1,000 2.50% $1,000 and upYour amount 0.10% Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Must be 18 and over. No monthly service fees.
Offer: Minimum monthly balance to earn dividends is $250.
0.05% interest rate · No monthly fee · Effective Sep 28, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Must be 18 and over. Includes Excess Share Insurance on balances up to $250,000 in addition to NCUA insurance. No monthly service fees.
Offer: Minimum monthly balance to earn dividends is $250.
0.05% interest rate · No monthly fee · 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 savings accounts pay in Sandpoint, ID
24 accounts at 6 banks and credit unions · checked Oct 16–22
- Typical
- 0.05%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.05%
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Idaho
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
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