CD Rates Idaho (ID) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Idaho CD rates include Gesa Credit UnionGesa Credit Union317 S Beck Rd, Post Falls, ID 83854A+5.0 ★Texas Ratio: 4.63%Real return: +1.45%APY minus CPI (February 2026) offering IRA CD 12 Months at 4.25% APY, Westmark Credit UnionWestmark Credit Union815 1st St, Idaho Falls, ID 83401 4080A+5.0 ★Texas Ratio: 2.97%Real return: +1.15%APY minus CPI (February 2026) offering IRA Term Certificates 12 Months at 3.95% APY, Idaho United Credit UnionIdaho United Credit Union333 N 13TH ST, Boise, ID 83702 5617A+5.0 ★Texas Ratio: 2.65%Real return: +1.10%APY minus CPI (February 2026) offering 6 Month Promo CD at 3.90% APY, Farmers Bank Buhl, IDFarmers Bank Buhl, ID914 Main St, Buhl, ID 83316A-5.0 ★Texas Ratio: 15.15%Real return: +1.00%APY minus CPI (February 2026) offering 12 Month Accumulator IRA at 3.80% APY, and Connections Credit UnionConnections Credit Union1150 N 8th Ave, Pocatello, ID 83201 5720A5.0 ★Texas Ratio: 10.96%Real return: +1.00%APY minus CPI (February 2026) offering 1 Year CDs & IRA Certificates at 3.80% APY. CD rates as of April 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Idaho side-by-side. Idaho CD rates currently reach as high as 4.25% APY from Gesa Credit Union at 317 S Beck Rd, Post Falls, ID 83854. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 21, 2026
Compare Best CD Rates in Idaho
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
$1,000.00 Minimum Balance
Early withdrawal penalties may apply
$500 minimum deposit to earn APY *APY = Annual Percentage Yield. Rates are accurate as of March 30, 2026, and are fixed for the term of the certificate. A penalty will be imposed for early withdrawal. Fees may reduce earnings. No institutional deposits accepted. Insured by NCUA.
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
$1000.00
As High As
$500
$1,000.00 Minimum Balance
Early withdrawal penalties may apply
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
$1000.00
$500
$1,000.00 Minimum Balance - Early Withdrawal 30 day Penalty
Early withdrawal penalties may apply
Daily Balance of $99,999.01 or more; Payment Frequency: Semiannually
$500
Daily Balance of $99,999.01 or more; Payment Frequency: Annually
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
$500
Daily Balance of $99,999.01 or more; Payment Frequency: Annually
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
$500
$500
Daily Balance of $99,999.01 or more; Payment Frequency: Annually
Rewards CD .25% (with active [Rewards Checking](https://www.lookoutcu.com/checking/rewards-plus-checking.html))
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Idaho CD Rate Trends
Compare local Idaho CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Idaho 12-month CD rates fell 0.141 points over the past 7 days to 2.721% APY.
Idaho 6-month CD rates fell 0.377 points over the past 7 days to 2.133% APY.
ID CD Rate Forecast — Next 12 Months
Where are Idaho CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at ID CD Rates Today
Annual interest earnings at today’s Idaho average APYs. State average used where available; national average as fallback.
| CD Term | ID Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.330% | $66.49 | $132.98 | $332.45 | $664.90 |
| 6-Month CD | 2.133% | $106.66 | $213.31 | $533.28 | $1,066.55 |
| 12-Month CD | 2.721% | $136.07 | $272.14 | $680.35 | $1,360.70 |
| 18-Month CD | 3.079% | $153.95 | $307.89 | $769.73 | $1,539.45 |
| 24-Month CD | 3.097% | $154.87 | $309.74 | $774.35 | $1,548.70 |
| 36-Month CD | 2.990% | $149.50 | $298.99 | $747.48 | $1,494.95 |
| 48-Month CD | 2.975% | $148.77 | $297.53 | $743.83 | $1,487.65 |
| 60-Month CD | 2.985% | $149.23 | $298.45 | $746.13 | $1,492.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 2026. | |||||
Sample CD Ladder for Idaho Savers
$25,000 split equally across 5 terms using today’s Idaho average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | ID Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.330% | $66.49 |
| 2 | 6-Month CD | $5,000 | 2.133% | $106.66 |
| 3 | 12-Month CD | $5,000 | 2.721% | $136.07 |
| 4 | 24-Month CD | $5,000 | 3.097% | $154.87 |
| 5 | 36-Month CD | $5,000 | 2.990% | $149.50 |
| Total ($25,000 invested) | $25,000 | 2.454% blended | $613.59/yr | |
Ladder example uses equal $5,000 rungs and Idaho average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
in Idaho
About Our Idaho CD Rate Database
MonitorBankRates tracks CD rates from 8 banks and 14 credit unions with locations in Idaho, plus national online institutions available to Idaho residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Gesa Credit Union offers a CD at 4.25% APY with a minimum deposit of $100,000. Use the rate table above to compare all current offers in Idaho.
How to Find the Best CD Rates in Idaho
What to compare when shopping for a CD in Idaho
To find the best APYs in Idaho, start with credit unions and online-only banks — Idaho has 14 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Idaho
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Idaho — 22 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Idaho savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Idaho money market rates
Idaho Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
17.0% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.7% reflects a strong local economy. At today’s ID 12-month CD average of 2.721%, saving 10% of the local median salary ($4,017/year) and putting it in a CD would earn an additional $109 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Idaho
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Idaho
Are CD rates in Idaho FDIC insured?
Do I have to pay state taxes on CD interest in Idaho?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Idaho?
- Gesa Credit Union: 4.25% APY (IRA CD 12 Months)
- Westmark Credit Union: 3.95% APY (IRA Term Certificates 12 Months)
- Idaho United Credit Union: 3.90% APY (6 Month Promo CD)
- Farmers Bank Buhl, ID: 3.80% APY (12 Month Accumulator IRA)
- Connections Credit Union: 3.80% APY (1 Year CDs & IRA Certificates)
- Technology Credit Union: 3.75% APY (60 Month Consumer Certificates and IRA Certificates)
- Advantage Plus Federal Credit Union: 3.75% APY (Share Certificates 48 Months)
- SEI Federal Credit Union: 3.75% APY (CD 18 months)
- Summit National Bank: 3.64% APY (6 Month CD)
- Bell Bank: 3.60% APY (3 Month (91 Day) CD)
CD Calculators for Idaho
At today’s ID top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Idaho CD LadderID CD rates currently range from 1.330% (3-month) to 2.990% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Idaho CD at 4.25% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsIdaho’s average 12-month CD is 2.721% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Idaho directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Idaho. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in ID.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Cities in Idaho
