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 31–45 results in Idaho
- Mountain America Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.50%–3.60% by balance
Credit union · 12 branches
1.00%APY$100 a year on $10,0000.50% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.50% $2,500 – $9,999 0.85% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.50% $50,000 – $99,999 2.00% $100,000 – $249,999 2.45% $250,000 – $999,999 3.25% $1,000,000 and up 3.60% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Available to members with taxable income to shelter gross income from Idaho State Income Taxes (up to $10,000 per year for individuals, $20,000 for married couples filing jointly). Dividends calculated daily and compounded monthly. No set-up charges or service fees.
Offer: No minimum balance or deposit requirement. No service fees.
Compounded monthly · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Limit of 1 account per Social Security Number.
Offer: Earned on balances up to $25,000 when minimum qualifications are met on the linked Kasasa checking account during the Monthly Qualification Cycle.
Qualified rate · 1.00% interest rate · Balance cap $25,000 · No monthly fee
Rate checked
More details - BMOGrowth Money Market AccountGrowth Money Market Account · $25 min · 0.55%–3.01% by balance
Bank · 4 branches
0.80%APY$80 a year on $10,000with conditionsRequirements
Product: $10 monthly maintenance fee is waived for 60 days after account opening or if you hold a minimum daily balance of $5,000. Requires a $25 minimum opening deposit. Variable rate account.
Offer: Relationship rate (Amplify your APY) for balances less than $5,000. Requires being an Account Owner of both a Growth Money Market account and a BMO Relationship Checking account with qualifying activities.
Qualified rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Growth Money Market Account Balance APY Up to $5,000 0.55% $5,000 – $25,000Your amount 0.80% $25,000 – $100,000 1.16% $100,000 – $250,000 2.21% $250,000 and up 3.01% Rate checked
More details - Freedom NorthwestRate Rise Money MarketRate Rise Money Market · $10,000 min
Credit union · 2 branches
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Requires a $5.00 Membership Account, a base share account, and an associated checking account. $10,000 minimum balance; a $25 monthly fee applies if balance drops below $10,000. Up to 6 withdrawals/transfers per calendar month without penalty ($20 fee per excess withdrawal).
Offer: Associated checking account average daily balance between $10,000 and $14,999 (earns additional 0.40% APY over regular money market rate on p7 schedule). Fee of $25 if balance drops below $10,000.
Qualified rate · $25 monthly fee · Effective Oct 22, 2026
Rate checked
More details - Beehive Federal Credit UnionMarket ShareMarket Share · 0.20%–3.80% by balance
Credit union · 7 branches
0.75%APY$75 a year on $10,000Requirements
Product: Tiered rate account. Once a particular balance range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. Dividends compounded and credited monthly. Daily balance method.
Offer: Rate applies to full balance when balance is $4,999.99 or below.
0.20% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for Market Share Balance APY Up to $5,000 0.20% $5,000 – $25,000Your amount 0.75% $25,000 – $50,000 1.25% $50,000 – $100,000 2.10% $100,000 – $250,000 2.65% $250,000 – $500,000 2.75% $500,000 – $1,000,000 2.75% $1,000,000 and up 3.80% Rate checked
More details - Responders Emergency Services Credit UnionMoney Market AccountMoney Market Account · $5,000 min · 0.45%–1.01% by balance
Credit union · 1 branch
0.70%APY$70 a year on $10,000Requirements
Product: $5,000.00 minimum balance to earn dividends.
Offer: Dividends paid monthly.
0.45% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $5,000 and up 0.45% $10,000 and upYour amount 0.70% $50,000 and up 0.90% $100,000 and up 1.01% Rate checked
More details - TruGrocer Federal Credit UnionMoney Market Share Account (MMSA)Money Market Share Account (MMSA) · $2,500 min · 0.70%–1.51% by balance
Credit union · 2 branches
0.70%APY$70 a year on $10,000Requirements
Product: Applicants must have established membership through a Regular Share Account (S1). Minimum balance requirement is $2,500. Up to 6 telephone or electronic transfers allowed per calendar month.
Offer: Must maintain a daily balance of $2,500 to obtain disclosed APY. No service fees.
0.70% interest rate
Rate by balance
Rate by balance for Money Market Share Account (MMSA) Balance APY $2,500 – $25,000Your amount 0.70% $25,000 – $100,000 0.95% $100,000 – $350,000dividend rate stated for $100,000 to $349,999.99. 1.36% $350,000 and up 1.51% Rate checked
More details - Farmers BankMoney Market CheckingMoney Market Checking · $100 min · 0.00%–1.51% by balance
Bank · 6 branches
0.65%APY$65 a year on $10,000Requirements
Product: A $7 monthly service fee applies if minimum balance drops below $2,000 during the month; a $2 credit is applied if electing to receive monthly eStatements. Interest accrues at tiered rates if current daily balance is greater than $1,000. Up to 6 checks per statement cycle and unlimited in-house transactions; $10 per non-personal debit in excess of 6 per month.
Offer: Interest will not accrue if current daily balance is below $1,000. Monthly service fee of $7 waived/reduced by $2 with eStatements, or if minimum balance stays at or above $2,000.
0.00% interest rate · $7 monthly fee · Effective Oct 8, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $1,000 0.00% $1,000 – $20,000Your amount 0.65% $20,000 – $50,000 0.70% $50,000 – $100,000 0.95% $100,000 and up 1.51% Rate checked
More details - Rogue Credit UnionMoney MarketMoney Market · $0 min · 0.50%–1.00% by balance
Credit union · 2 branches
0.60%APY$60 a year on $10,000Requirements
Product: Tiered rate account; specified dividend rate for a tier applies to the entire account balance if the balance falls within the range for that tier. $10 monthly service fee applies if average daily balance drops below $2,000 (fee waived for Premier Members with $30,000+ in combined balances). Avoid $5 monthly participation fee by meeting at least one participation option.
Offer: $10 monthly fee waived if minimum balance of $2,000 is met (no fee for Premier Members).
0.50% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.50% $10,000 – $25,000Your amount 0.60% $25,000 – $50,000 0.75% $50,000 – $100,000 0.90% $100,000 – $150,000 1.00% $150,000 and up 1.00% Rate checked
More details - TWIN RIVER BANKMoney Market AccountMoney Market Account · $2,500 min · 0.50%–1.51% by balance
Bank · 2 branches
0.55%APY$55 a year on $10,000Requirements
Product: Minimum opening balance of $100.00. $8 monthly service fee waived with an average daily balance of $2,500 or more or eStatements. Interest is calculated on the average daily balance, compounded and credited monthly.
Offer: Monthly service fee waived with an average daily balance of $2,500 or more or eStatements.
0.50% interest rate · $8 monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $9,999 0.50% $10,000 – $24,999Your amount 0.55% $25,000 – $99,999 0.60% $100,000 – $249,999 1.00% $250,000 and up 1.51% Rate checked
More details - Northwest Christian Credit UnionMoney MarketMoney Market · $5,000 min · 0.50%–1.50% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,0000.50% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $5,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.75% $50,000 – $100,000 1.00% $100,000 and up 1.50% Rate checked
More details - Freedom NorthwestRate Rise Money MarketRate Rise Money Market · $10,000 min
Credit union · 2 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Requires a $5.00 Membership Account, a base share account, and an associated checking account. $10,000 minimum balance; a $25 monthly fee applies if balance drops below $10,000. Up to 6 withdrawals/transfers per calendar month without penalty ($20 fee per excess withdrawal).
Offer: Associated checking account average daily balance between $5,000 and $9,999 (earns additional 0.15% APY over regular money market rate). Fee of $25 if balance drops below $10,000.
Qualified rate · $25 monthly fee · Effective Oct 22, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking. When linked, cash rewards transfer automatically into Kasasa Saver. Requires Kasasa Cash or Kasasa Cash Back account; limit 1 account per SSN.
Offer: Qualifications met during Monthly Qualification Cycle: at least 12 debit card purchases, enrolled in and log into online banking, and enroll in eStatements.
Qualified rate · 0.50% interest rate · No monthly fee · Effective Sep 2, 2025
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $50,000Your amount 0.50% $50,000 and upQualifications met during Monthly Qualification Cycle. 0.27% Rate checked
More details - First Federal BankTax Advantaged SavingsSavings · $100 min · 0.20%–0.70% by balance
Bank · 14 branches
0.50%APY$50 a year on $10,000Requirements
Product: Must maintain an average daily balance of $100 to earn Annual Percentage Yield (APY). Must maintain $100 minimum daily balance to avoid $3 monthly service charge. Tax implications vary depending on individual tax situation.
Offer: Tier 1: Average daily balance $100 to $999.99. $3 monthly fee waived with $100 minimum daily balance.
0.20% interest rate · $3 monthly fee
Rate by balance
Rate by balance for Tax Advantaged Savings Balance APY $100 – $1,000 0.20% $1,000 – $10,000 0.40% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 and up 0.70% 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