Idaho Central Credit Union rates: up to 4.30% APY
credit union · NCUA CHARTER 63194 · www.iccu.com
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Central Cents Savings Accounts | $0.01 and up | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Choice Savings Account | $0 - $1,499 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Choice Savings Account | $1,500 and up | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Coverdell Education Savings Account | $0 - $299 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Coverdell Education Savings Account | $300 and up | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $0 - $2,499 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $2,500 - $24,999 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $25,000 and up | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Online Savings Account | $0 - $999 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Online Savings Account | $1,000 - $24,999 | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Online Savings Account | $25,000 - $49,999 | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Online Savings Account | $50,000 - $99,999 | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Online Savings Account | $100,000 - $249,999 | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| High-Yield Online Savings Account | $250,000 and up | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Idaho First-Time Home Buyer Savings | $0 - $2,499 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Idaho First-Time Home Buyer Savings | $2,500 - $24,999 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Idaho First-Time Home Buyer Savings | $25,000 and up | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Idaho Medical Savings Account | $0 - $2,499 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Idaho Medical Savings Account | $2,500 - $24,999 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Idaho Medical Savings Account | $25,000 and up | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Secondary Savings Account | $0 - $299 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Secondary Savings Account | $300 and up | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Savings Account | $0 - $299 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Share Savings Account | $300 and up | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Savings Account | $0 - $299 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Savings Account | $300 - $1,499 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Savings Account | $1,500 and up | 0.25% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificate of Deposit | 3 Month Standard CD · fixed | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate of Deposit | 3 Month Standard CD · fixed | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 6 Month Promo CD · promo | 3.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 6 Month Standard CD · fixed | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate of Deposit | 6 Month Promo CD · promo | 3.95% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate of Deposit | 6 Month Standard CD · fixed | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 12 Month Promo CD · promo | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 1 Year Standard CD · fixed | 0.70% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate of Deposit | 12 Month Promo CD · promo | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate of Deposit | 1 Year Standard CD · fixed | 0.70% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 18 Month Promo CD · promo | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 18 Month Standard CD · fixed | 0.80% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate of Deposit | 18 Month Promo CD · promo | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate of Deposit | 18 Month Standard CD · fixed | 0.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 24 Month Promo CD · promo | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 2 Year Standard CD · fixed | 0.90% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate of Deposit | 24 Month Promo CD · promo | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate of Deposit | 2 Year Standard CD · fixed | 0.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 3 Year Standard CD · fixed | 0.95% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate of Deposit | 3 Year Standard CD · fixed | 0.95% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 4 Year Standard CD · fixed | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate of Deposit | 4 Year Standard CD · fixed | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 60 Month Promo CD · promo | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 5 Year Standard CD · fixed | 1.10% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate of Deposit | 60 Month Promo CD · promo | 4.30% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Certificate of Deposit | 5 Year Standard CD · fixed | 1.10% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Savings | $0 - $2,499 | 0.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $2,500 - $24,999 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $25,000 - $49,999 | 0.60% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $50,000 - $99,999 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Savings | $100,000 and up | 1.00% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.iccu.com/rates/accounts/ | 2026-11-01 11:51 UTC | ok | 5d6f14d55a1f |
| www.iccu.com/rates/accounts/money-market/ | 2026-11-01 11:51 UTC | ok | 7d3dc1ee6249 |
| www.iccu.com/rates/accounts/savings/ | 2026-11-01 11:51 UTC | ok | 620f04e2381d |