Bonners Ferry, Idaho Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Bonners Ferry, Idaho CD rates range from 0.05% to 4.60% APY, verified by MonitorBankRates as of October 23, 2026. Current Bonners Ferry, Idaho CD rates include Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit Union6673 Main St, Bonners Ferry, ID 83805A+5.0 ★Texas Ratio: 3.49%Real return: +0.50%APY minus CPIRate verified Oct 19, 2026 offering 36 Month Certificate Account at 4.20% APY, Wells FargoWells Fargo6764 Main St, Bonners Ferry, ID 83805A+5.0 ★Texas Ratio: 5.36%Real return: -2.19%APY minus CPIRate verified Oct 20, 2026 offering Standard Fixed Rate CD 1 year - Relationship at 1.51% APY, Gesa Credit UnionGesa Credit UnionA5.0 ★Texas Ratio: 6.57%Real return: +0.90%APY minus CPIRate verified Oct 19, 2026 offering IRA CD - 18 Months at 4.60% APY, Advantage Plus Federal Credit UnionAdvantage Plus Federal Credit UnionA+5.0 ★Texas Ratio: 3.01%Real return: +0.80%APY minus CPIRate verified Oct 23, 2026 offering 60 Month Share Certificate at 4.50% APY, and Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 9.78%Real return: +0.80%APY minus CPIRate verified Oct 19, 2026 offering 24 Month Certificate at 4.50% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Bonners Ferry has 29 local institutions in our database, with CD rates as high as 4.20% APY from Potlatch No 1 Financial Credit Union at 6673 Main St, Bonners Ferry, ID 83805. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Idaho area. Rates are continually updated, so 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: October 23, 2026
Compare Best CD Rates in Bonners Ferry, Idaho & the Surrounding Area
Bonners Ferry 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
IRA Certificate - 3 Months
$0
1.25%
▼ 1.39% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▼ 1.39% below avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
Share Certificate - 3 Months
$0
1.25%
▼ 1.39% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▼ 1.39% below avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6764 Main St, Bonners Ferry, ID 83805
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 2.58% below Idaho avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average2.64%▼ 2.58% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6764 Main St, Bonners Ferry, ID 83805
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 2.59% below Idaho avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average2.64%▼ 2.59% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3 Month Certificate
$500
3.90%
▲ 1.26% above Idaho avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▲ 1.26% above avgNationally 2.13%
Details
Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Certificate of Deposit - 3 Month (91 Day) CD
$500
3.85%
▲ 1.21% above Idaho avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average2.64%▲ 1.21% above avgNationally 2.13%
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
- Oct 14, 20263.85%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Certificate of Deposit - 3 Month (91 Day) CD
$500
3.80%
▲ 1.16% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average2.64%▲ 1.16% above avgNationally 2.13%
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
- Oct 14, 20263.80%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
3 Month Business Liquid Certificate
$95,000
3.65%
▲ 1.01% above Idaho avg
▼
Rate3.60%
Min Deposit$95,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▲ 1.01% above avgNationally 2.13%
Details
Effective Date: 09/01/2026; APY requires minimum $95,000 of New-to-Tech CU money; one penalty-free withdrawal per calendar month
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Liquid Certificate - 3 Month
$1,000
3.65%
▲ 1.01% above Idaho avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▲ 1.01% above avgNationally 2.13%
Details
Effective Date 09/01/2026; Minimum opening balance of $1,000 in new-to-Tech CU money; APY available with minimum $1,000 new-to-Tech CU money; Unlimited withdrawals without penalty six days after opening, minimum $1,000 must be maintained
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
3 Month CD
$500
3.60%
▲ 0.96% above Idaho avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average2.64%▲ 0.96% above avgNationally 2.13%
Details
Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 9 times
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Jumbo Certificates of Deposit - 3 Months
$100,000
3.51%
▲ 0.87% above Idaho avg
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Idaho Average2.64%▲ 0.87% above avgNationally 2.13%
Details
Interest rates and APYs accurate as of 7/21/2026; No minimum balance is required to obtain the disclosed APY
Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 3 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Certificate of Deposit - 90 Day Fixed Rate
$100
3.50%
▲ 0.86% above Idaho avg
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average2.64%▲ 0.86% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 3 month
$1,000
3.50%
▲ 0.86% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▲ 0.86% above avgNationally 2.13%
Details
Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)
Rate History
No change since Oct 19, 2026 · 3.50% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Business Certificate - 3 Month
$0
3.50%
▲ 0.86% above Idaho avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▲ 0.86% above avgNationally 2.13%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificate - 3 Month
$1,000
3.50%
▲ 0.86% above Idaho avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▲ 0.86% above avgNationally 2.13%
Details
Consumer Certificates and IRA Certificates; Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificate - 3 Month
$0
3.50%
▲ 0.86% above Idaho avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▲ 0.86% above avgNationally 2.13%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 3 Months
$500
3.40%
▲ 0.76% above Idaho avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Idaho Average2.64%▲ 0.76% above avgNationally 2.13%
Details
Interest Rate 3.35%; APY 3.40%; $500 minimum deposit to open
Rate History
No change since Oct 7, 2026 · 3.40% APY · checked 3 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
90 Day Certificate
$2,500
3.40%
▲ 0.76% above Idaho avg
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▲ 0.76% above avgNationally 2.13%
Details
Balance: $2,500 Minimum Opening Deposit
Rate History
No change since Oct 9, 2026 · 3.40% APY · checked 3 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed Certificate
$500
3.30%
▲ 0.66% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▲ 0.66% above avgNationally 2.13%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
First Technology Federal Credit Union
Traditional Share Certificates - 3-Month
$100,000
3.25%
▲ 0.61% above Idaho avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average2.64%▲ 0.61% above avgNationally 2.13%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Technology Federal Credit Union
IRA Certificates - 3-Month
$100,000
3.25%
▲ 0.61% above Idaho avg
▼
Rate3.20%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average2.64%▲ 0.61% above avgNationally 2.13%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.25% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed Certificate
$500
3.15%
▲ 0.51% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▲ 0.51% above avgNationally 2.13%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
90 Day Certificate of Deposit
$500
3.00%
▲ 0.36% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average2.64%▲ 0.36% above avgNationally 2.13%
Details
All certificates can be added onto, $200 minimum add on.
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Certificates of Deposit - 90 days
$500
3.00%
▲ 0.36% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average2.64%▲ 0.36% above avgNationally 2.13%
Details
All certificates can be added onto, $200 minimum add on; substantial penalty for early withdrawal
Rate History
No change since Sep 9, 2026 · 3.00% APY · checked 2 times
First Technology Federal Credit Union
Traditional Share Certificates - 3-Month
$500
3.00%
▲ 0.36% above Idaho avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average2.64%▲ 0.36% above avgNationally 2.13%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.00% APY
First Technology Federal Credit Union
IRA Certificates - 3-Month
$500
3.00%
▲ 0.36% above Idaho avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average2.64%▲ 0.36% above avgNationally 2.13%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.00% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
3 Month Fixed Certificate
$500
3.00%
▲ 0.36% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▲ 0.36% above avgNationally 2.13%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Month Certificate
$0
3.00%
▲ 0.36% above Idaho avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▲ 0.36% above avgNationally 2.13%
Details
90 days; Minimum balance $1,000.00
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Month IRA Certificate
$0
3.00%
▲ 0.36% above Idaho avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▲ 0.36% above avgNationally 2.13%
Details
90 days; IRA; Minimum balance $1,000.00
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
3 Month Fixed Rate Certificates
$0
2.43%
▼ 0.21% below Idaho avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average2.64%▼ 0.21% below avgNationally 2.13%
Details
Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 2.43% APY
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
3 Month Jumbo Fixed-Rate CD
$0
2.43%
▼ 0.21% below Idaho avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average2.64%▼ 0.21% below avgNationally 2.13%
Details
Jumbo CD Rates; Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 2.43% APY
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
3 Month Share Certificate
$0
1.75%
▼ 0.89% below Idaho avg
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average2.64%▼ 0.89% below avgNationally 2.13%
Details
Rate History
No change since Oct 8, 2026 · 1.75% APY · checked 2 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificate - 3 months
$0
1.75%
▼ 0.89% below Idaho avg
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average2.64%▼ 0.89% below avgNationally 2.13%
Details
Share Certificates
Rate History
No change since Sep 12, 2026 · 1.75% APY · checked 9 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
IRA Share Certificate - 3 Months
$0
1.65%
▼ 0.99% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average2.64%▼ 0.99% below avgNationally 2.13%
Details
Balance: $500+; IRA CD .25% Increase (APY); Compounded/Paid: Monthly/Monthly
Rate History
No change since Sep 25, 2026 · 1.65% APY · checked 4 times
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Term Certificate - 90 Days
$500
1.50%
▼ 1.14% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▼ 1.14% below avgNationally 2.13%
Details
Effective September 21, 2026; Rates are tiered based on deposit amount
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 8 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
3 Month Rewards CD
$0
1.40%
▼ 1.24% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average2.64%▼ 1.24% below avgNationally 2.13%
Details
Balance: $500 +; Compound/Paid: Monthly/Monthly; Rates effective 10-22-2026; Regulations prohibit payment in excess of earnings. Penalty required for early withdrawal.
Rate History
No change since Sep 12, 2026 · 1.40% APY · checked 7 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
Share Certificate - 3 Months
$0
1.40%
▼ 1.24% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average2.64%▼ 1.24% below avgNationally 2.13%
Details
Balance: $500+; Compounded/Paid: Monthly/Monthly
Rate History
No change since Oct 12, 2026 · 1.40% APY · checked 3 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$1,000
0.10%
▼ 2.54% below Idaho avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average2.64%▼ 2.54% below avgNationally 2.13%
Details
Tier: $90,000+; Renewal Term: 3 Months
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 5 times
WaFd Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
3 Month Fixed Rate Certificates of Deposit
$1,000
0.05%
▼ 2.59% below Idaho avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average2.64%▼ 2.59% below avgNationally 2.13%
Details
Tier: $1,000+; Renewal Term: 3 Months
Rate History
1 change since Sep 24, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05%
- Oct 7, 20260.05%▼ from 0.10%
- Sep 24, 20260.10%first recorded
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month IRA Certificate of Deposit
$0
0.05%
▼ 2.59% below Idaho avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▼ 2.59% below avgNationally 2.13%
Details
Balance: $1,000 and over to obtain APY; rates shown by ZIP code
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
BMO Bank National Association
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
3 Month Standard CD
$1,000
0.05%
▼ 2.59% below Idaho avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average2.64%▼ 2.59% below avgNationally 2.13%
Details
Balance: up to $100,000; Rates for ZIP code 60603
Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
Bonners Ferry 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
6 Month Certificate Account
$500
3.70%
▲ 0.41% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.41% above avgNationally 2.78%
Details
Fixed APY for certificate term; APY assumes dividends remain deposited until maturity
Rate History
1 change since Sep 18, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
- Oct 19, 20263.70%▲ from 3.45%
- Sep 18, 20263.45%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
IRA Certificate - 6 Months
$0
3.70%
▲ 0.41% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.41% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
Share Certificate - 6 Months
$0
3.70%
▲ 0.41% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.41% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
- Sep 27, 20263.70%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6764 Main St, Bonners Ferry, ID 83805
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06%
▼ 3.23% below Idaho avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.29%▼ 3.23% below avgNationally 2.78%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6764 Main St, Bonners Ferry, ID 83805
Standard Fixed Rate CD 6 month
$2,500
0.05%
▼ 3.24% below Idaho avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.29%▼ 3.24% below avgNationally 2.78%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
Portage Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
6-Month Promo CD
$10,000
4.15%
▲ 0.86% above Idaho avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.29%▲ 0.86% above avgNationally 2.78%
Details
Balance: $10,000-$1,000,000; Promotional CD available only from October 6th-December 31st, 2026; new deposits only; automatically renews once at 3.65% (3.68% APY) for 6 months; penalty may be imposed for early withdrawal
Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 6 Months
$0
4.10%
▲ 0.81% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.81% above avgNationally 2.78%
Details
Balance: $100,000.00 and over; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
Fixed Rate Term Certificate - 6 Months
$0
4.00%
▲ 0.71% above Idaho avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.29%▲ 0.71% above avgNationally 2.78%
Details
All accounts require a minimum balance of $500 to earn APY; Rates as of 10/21/2026
Rate History
No change since Oct 23, 2026 · 4.00% APY
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
6 Month Certificate
$500
4.00%
▲ 0.71% above Idaho avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.71% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Promo CD
$500
3.95%
▲ 0.66% above Idaho avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.66% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 6 Months
$0
3.95%
▲ 0.66% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.66% above avgNationally 2.78%
Details
Balance: $50,000.00 - $99,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 6 times
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
6 Month CD (including Accumulator)
$500
3.90%
▲ 0.61% above Idaho avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.29%▲ 0.61% above avgNationally 2.78%
Details
Rate History
No change since Sep 11, 2026 · 3.90% APY · checked 9 times
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
6 Month ROTH IRA Term Certificate
$0
3.90%
▲ 0.61% above Idaho avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.29%▲ 0.61% above avgNationally 2.78%
Details
Minimum balance of $500 to earn APY; Rates as of 10/06/2026; IRA term certificate rates are set at date of purchase
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
- Oct 8, 20263.90%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
IRA Term Certificate - 6 Months
$0
3.90%
▲ 0.61% above Idaho avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.29%▲ 0.61% above avgNationally 2.78%
Details
All accounts require a minimum balance of $500 to earn APY
Rate History
No change since Oct 23, 2026 · 3.90% APY
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
Limited Time CD Special - 6 months
$500
3.85%
▲ 0.56% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.29%▲ 0.56% above avgNationally 2.78%
Details
Limited time offer; New money is required; Penalty for early withdrawal; Effective 04/27/26; Certain membership qualifications may apply
Rate History
No change since Oct 12, 2026 · 3.85% APY · checked 3 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Certificate of Deposit - 6 Month (182 Day) CD
$500
3.84%
▲ 0.55% above Idaho avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.29%▲ 0.55% above avgNationally 2.78%
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.58% → 3.84% ▲ 0.26 pts · high 3.84% / low 3.58%
- Oct 14, 20263.84%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
Share Certificates - 6 Months
$500
3.82%
▲ 0.53% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.29%▲ 0.53% above avgNationally 2.78%
Details
Dividends Paid: Monthly
Rate History
No change since Oct 15, 2026 · 3.82% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 6 Months
$0
3.80%
▲ 0.51% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.51% above avgNationally 2.78%
Details
Balance: $500.00 - $49,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Certificate of Deposit - 6 Month (182 Day) CD
$500
3.79%
▲ 0.50% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.29%▲ 0.50% above avgNationally 2.78%
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.58% → 3.79% ▲ 0.21 pts · high 3.79% / low 3.58%
- Oct 14, 20263.79%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share Certificate - 6 Months
$0
3.70%
▲ 0.41% above Idaho avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.41% above avgNationally 2.78%
Details
Dividend Term: Monthly; Penalty for early withdrawal applies
Rate History
2 changes since Sep 14, 2026 · 3.70% → 3.70% ▼ 0.00 pts · high 3.70% / low 3.60%
- Oct 10, 20263.70%▲ from 3.60%
- Sep 18, 20263.60%▼ from 3.70%
- Sep 14, 20263.70%first recorded
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Jumbo Certificates of Deposit - 6 Months
$100,000
3.61%
▲ 0.32% above Idaho avg
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Idaho Average3.29%▲ 0.32% above avgNationally 2.78%
Details
Interest rates and APYs accurate as of 7/21/2026; No minimum balance is required to obtain the disclosed APY
Rate History
No change since Oct 14, 2026 · 3.61% APY · checked 3 times
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Share Certificate - 6 Month BUMP
$500
3.61%
▲ 0.32% above Idaho avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.32% above avgNationally 2.78%
Details
Dividends paid monthly; BUMP certificate
Rate History
No change since Oct 14, 2026 · 3.61% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Fixed Certificate
$500
3.60%
▲ 0.31% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.31% above avgNationally 2.78%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 6 Months
$500
3.51%
▲ 0.22% above Idaho avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Idaho Average3.29%▲ 0.22% above avgNationally 2.78%
Details
Interest Rate 3.45%; APY 3.51%; $500 minimum deposit to open
Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 3 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
6 Month Smart Step Certificate
$25
3.51%
▲ 0.22% above Idaho avg
▼
Rate3.46%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.22% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 8 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Promotional Certificate - 6 Months
$500
3.51%
▲ 0.22% above Idaho avg
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.22% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 2 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Smart Step Certificate - 6 Months
$25
3.51%
▲ 0.22% above Idaho avg
▼
Rate3.46%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.22% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 2 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
180 Day Certificate of Deposit
$500
3.50%
▲ 0.21% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.29%▲ 0.21% above avgNationally 2.78%
Details
All certificates can be added onto, $200 minimum add on.
Rate History
1 change since Oct 7, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
- Oct 20, 20263.50%▼ from 3.75%
- Oct 7, 20263.75%first recorded
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Certificates of Deposit - 180 days
$500
3.50%
▲ 0.21% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.29%▲ 0.21% above avgNationally 2.78%
Details
All certificates can be added onto, $200 minimum add on; substantial penalty for early withdrawal
Rate History
1 change since Sep 9, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
- Oct 20, 20263.50%▼ from 3.75%
- Sep 9, 20263.75%first recorded
First Technology Federal Credit Union
Traditional Share Certificates - 6-Month
$100,000
3.50%
▲ 0.21% above Idaho avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.29%▲ 0.21% above avgNationally 2.78%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
IRA Certificates - 6-Month
$100,000
3.50%
▲ 0.21% above Idaho avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.29%▲ 0.21% above avgNationally 2.78%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 6 month
$1,000
3.50%
▲ 0.21% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.21% above avgNationally 2.78%
Details
Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)
Rate History
No change since Oct 19, 2026 · 3.50% APY
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
Certificate of Deposit - 6 Month
$500
3.50%
▲ 0.21% above Idaho avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.21% above avgNationally 2.78%
Details
Certificate of Deposit (Minimum $500.00); Rates Effective as of June 11, 2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Business Certificate - 6 Month
$0
3.50%
▲ 0.21% above Idaho avg
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.21% above avgNationally 2.78%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificate - 6 Month
$1,000
3.50%
▲ 0.21% above Idaho avg
▼
Rate3.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.21% above avgNationally 2.78%
Details
Consumer Certificates and IRA Certificates; Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificate - 6 Month
$0
3.50%
▲ 0.21% above Idaho avg
▼
Rate3.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.21% above avgNationally 2.78%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 6 Month
$500
3.50%
▲ 0.21% above Idaho avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.21% above avgNationally 2.78%
Details
$500; Minimum deposit $500 to open and maintain APY
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
6 Month Certificate
$100
3.50%
▲ 0.21% above Idaho avg
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.21% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Fixed Certificate
$500
3.45%
▲ 0.16% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.16% above avgNationally 2.78%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 2 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Certificate of Deposit - 6 Month Fixed Rate
$100
3.40%
▲ 0.11% above Idaho avg
▼
Rate3.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.29%▲ 0.11% above avgNationally 2.78%
Details
Rate History
No change since Oct 20, 2026 · 3.40% APY · checked 2 times
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
6 Month Certificate
$0
3.40%
▲ 0.11% above Idaho avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.11% above avgNationally 2.78%
Details
Rate History
No change since Oct 10, 2026 · 3.40% APY · checked 2 times
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
6 Month Certificates of Deposit - Regular
$1,000
3.35%
▲ 0.06% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.06% above avgNationally 2.78%
Details
APY range printed as 3.35% - 3.378%; $1000.00 minimum
Rate History
No change since Oct 19, 2026 · 3.35% APY
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
6 Month Certificate
$2,500
3.30%
▲ 0.01% above Idaho avg
▼
Rate3.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.01% above avgNationally 2.78%
Details
Balance: $2,500 Minimum Opening Deposit
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 3 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
6 Month Fixed Certificate
$500
3.30%
▲ 0.01% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▲ 0.01% above avgNationally 2.78%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6 Month Share Certificate
$0
3.25%
▼ 0.04% below Idaho avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.29%▼ 0.04% below avgNationally 2.78%
Details
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificate - 6 months
$0
3.25%
▼ 0.04% below Idaho avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.29%▼ 0.04% below avgNationally 2.78%
Details
Share Certificates
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 9 times
First Technology Federal Credit Union
Traditional Share Certificates - 6-Month
$500
3.25%
▼ 0.04% below Idaho avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.29%▼ 0.04% below avgNationally 2.78%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Technology Federal Credit Union
IRA Certificates - 6-Month
$500
3.25%
▼ 0.04% below Idaho avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.29%▼ 0.04% below avgNationally 2.78%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
6 Month Certificate
$0
3.10%
▼ 0.19% below Idaho avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.29%▼ 0.19% below avgNationally 2.78%
Details
180 days; Minimum balance $1,000.00
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 7 times
Snake River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificate - 6 Month
$0
3.00%
▼ 0.29% below Idaho avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.29%▼ 0.29% below avgNationally 2.78%
Details
Balance: $500.00 and up
Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
Bonners Ferry 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
12 Month Certificate Account
$500
3.90%
▲ 0.42% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.42% above avgNationally 2.99%
Details
Fixed APY for certificate term; APY assumes dividends remain deposited until maturity
Rate History
1 change since Sep 18, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
- Oct 19, 20263.90%▲ from 3.55%
- Sep 18, 20263.55%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
IRA Certificate - 12 Months
$0
3.90%
▲ 0.42% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.42% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
Share Certificate - 12 Months
$0
3.90%
▲ 0.42% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.42% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.90% ▲ 0.35 pts · high 3.90% / low 3.55%
- Sep 27, 20263.90%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6764 Main St, Bonners Ferry, ID 83805
Standard Fixed Rate CD 1 year - Relationship
$2,500
1.51%
▼ 1.97% below Idaho avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.48%▼ 1.97% below avgNationally 2.99%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6764 Main St, Bonners Ferry, ID 83805
Standard Fixed Rate CD 1 year
$2,500
1.50%
▼ 1.98% below Idaho avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.48%▼ 1.98% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 4 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 12 Months
$0
4.50%
▲ 1.02% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 1.02% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 6 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month Certificate
$1,000
4.38%
▲ 0.90% above Idaho avg
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.90% above avgNationally 2.99%
Details
Balance: $1,000.00 Minimum Opening Deposit
Rate History
No change since Oct 9, 2026 · 4.38% APY · checked 3 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
12 Month IRA
$500
4.38%
▲ 0.90% above Idaho avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.90% above avgNationally 2.99%
Details
Balance: $500.00 Minimum Opening Deposit
Rate History
1 change since Sep 18, 2026 · 3.35% → 4.38% ▲ 1.03 pts · high 4.38% / low 3.35%
- Oct 1, 20264.38%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 12 Months
$0
4.35%
▲ 0.87% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.87% above avgNationally 2.99%
Details
Balance: $50,000.00 - $99,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.35% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 12 Months
$0
4.20%
▲ 0.72% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.72% above avgNationally 2.99%
Details
Balance: $500.00 - $49,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share Certificate - 1 Year
$0
4.20%
▲ 0.72% above Idaho avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.72% above avgNationally 2.99%
Details
Dividend Term: Monthly; Penalty for early withdrawal applies
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 10, 20264.20%▲ from 4.15%
- Sep 18, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
Fixed Rate Term Certificate - 12 Months
$0
4.15%
▲ 0.67% above Idaho avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.48%▲ 0.67% above avgNationally 2.99%
Details
All accounts require a minimum balance of $500 to earn APY; Rates as of 10/21/2026
Rate History
No change since Oct 23, 2026 · 4.15% APY
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Promo CD
$500
4.15%
▲ 0.67% above Idaho avg
▼
Rate4.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.67% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month Accumulator IRA
$500
4.11%
▲ 0.63% above Idaho avg
▼
Rate4.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.48%▲ 0.63% above avgNationally 2.99%
Details
Rate History
1 change since Sep 11, 2026 · 4.06% → 4.11% ▲ 0.05 pts · high 4.11% / low 4.06%
- Oct 21, 20264.11%▲ from 4.06%
- Sep 11, 20264.06%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Bump Certificate
$500
4.10%
▲ 0.62% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.62% above avgNationally 2.99%
Details
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share Certificate - 1 Year
$0
4.10%
▲ 0.62% above Idaho avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.62% above avgNationally 2.99%
Details
Dividend Term: Monthly; Penalty for early withdrawal applies
Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 10, 20264.10%▲ from 4.05%
- Sep 18, 20264.05%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
12 Month Certificate
$0
4.05%
▲ 0.57% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.57% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
- Oct 5, 20264.05%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 Month Certificate
$500
4.05%
▲ 0.57% above Idaho avg
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.57% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 2 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Certificates of Deposit - 12 month
$500
4.00%
▲ 0.52% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.48%▲ 0.52% above avgNationally 2.99%
Details
All certificates can be added onto, $200 minimum add on; substantial penalty for early withdrawal
Rate History
1 change since Sep 9, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 20, 20264.00%▲ from 3.50%
- Sep 9, 20263.50%first recorded
Snake River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificate - 12 Month
$0
4.00%
▲ 0.52% above Idaho avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.48%▲ 0.52% above avgNationally 2.99%
Details
Balance: $500.00 and up
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
12 Month ROTH IRA Term Certificate
$0
4.00%
▲ 0.52% above Idaho avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.48%▲ 0.52% above avgNationally 2.99%
Details
Minimum balance of $500 to earn APY; Rates as of 10/06/2026; IRA term certificate rates are set at date of purchase
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 8, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
IRA Term Certificate - 12 Months
$0
4.00%
▲ 0.52% above Idaho avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.48%▲ 0.52% above avgNationally 2.99%
Details
All accounts require a minimum balance of $500 to earn APY
Rate History
No change since Oct 23, 2026 · 4.00% APY
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 12 month
$1,000
4.00%
▲ 0.52% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.52% above avgNationally 2.99%
Details
Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)
Rate History
No change since Oct 19, 2026 · 4.00% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Fixed Certificate
$500
4.00%
▲ 0.52% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.52% above avgNationally 2.99%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Business Certificate - 12 Month
$0
4.00%
▲ 0.52% above Idaho avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.52% above avgNationally 2.99%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificate - 12 Month
$1,000
4.00%
▲ 0.52% above Idaho avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.52% above avgNationally 2.99%
Details
Consumer Certificates and IRA Certificates; Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificate - 12 Month
$0
4.00%
▲ 0.52% above Idaho avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.52% above avgNationally 2.99%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
12 Month CD
$500
3.95%
▲ 0.47% above Idaho avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.48%▲ 0.47% above avgNationally 2.99%
Details
Rate History
1 change since Sep 11, 2026 · 3.90% → 3.95% ▲ 0.05 pts · high 3.95% / low 3.90%
- Oct 21, 20263.95%▲ from 3.90%
- Sep 11, 20263.90%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Bump Certificate
$500
3.95%
▲ 0.47% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.47% above avgNationally 2.99%
Details
Balance: $50,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 2 times
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
IRA Term Certificate - 12 Months
$0
3.95%
▲ 0.47% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.47% above avgNationally 2.99%
Details
Balance: $500 - $19,999; Traditional, Roth, SEP
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Term Certificate - 12 Months
$500
3.95%
▲ 0.47% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.47% above avgNationally 2.99%
Details
Effective September 21, 2026; Rates are tiered based on deposit amount
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Fixed Certificate
$500
3.85%
▲ 0.37% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.37% above avgNationally 2.99%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Certificate of Deposit - 1 Year (12 Month) CD
$500
3.80%
▲ 0.32% above Idaho avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.48%▲ 0.32% above avgNationally 2.99%
Details
Balance: $99,999.01 or more; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
12 Month Flex Certificate (regular only)
$50
3.80%
▲ 0.32% above Idaho avg
▼
Rate3.74%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.32% above avgNationally 2.99%
Details
Regular only; maximum $250,000 per account
Rate History
No change since Oct 19, 2026 · 3.80% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Bump Certificate
$500
3.80%
▲ 0.32% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.32% above avgNationally 2.99%
Details
Balance: $500 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Certificate of Deposit - 1 Year (12 Month) CD
$500
3.75%
▲ 0.27% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.48%▲ 0.27% above avgNationally 2.99%
Details
Balance: $500 - $99,999; Payment Frequency: Maturity
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Oct 14, 20263.75%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
12 Month Share Certificate
$0
3.75%
▲ 0.27% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.48%▲ 0.27% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificate - 12 months
$0
3.75%
▲ 0.27% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.48%▲ 0.27% above avgNationally 2.99%
Details
Share Certificates
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 9 times
First Technology Federal Credit Union
Traditional Share Certificates - 12-Month
$100,000
3.75%
▲ 0.27% above Idaho avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.48%▲ 0.27% above avgNationally 2.99%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.75% APY
First Technology Federal Credit Union
IRA Certificates - 12-Month
$100,000
3.75%
▲ 0.27% above Idaho avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.48%▲ 0.27% above avgNationally 2.99%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.75% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Fixed Certificate
$500
3.70%
▲ 0.22% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.22% above avgNationally 2.99%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Share Certificate - 12 Month BUMP
$500
3.66%
▲ 0.18% above Idaho avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.18% above avgNationally 2.99%
Details
Dividends paid monthly; BUMP certificate
Rate History
No change since Oct 14, 2026 · 3.66% APY · checked 2 times
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
CD - 1 Year
$0
3.65%
▲ 0.17% above Idaho avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.17% above avgNationally 2.99%
Details
Base Rate 3.590%; One Jump Option: if rates increase within the term, you can jump up to the higher rate for the remainder of the term (one time only per certificate); Rates effective as of June 11, 2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Jumbo Certificates of Deposit - 12 Months
$100,000
3.61%
▲ 0.13% above Idaho avg
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Idaho Average3.48%▲ 0.13% above avgNationally 2.99%
Details
Interest rates and APYs accurate as of 7/21/2026; No minimum balance is required to obtain the disclosed APY
Rate History
No change since Oct 14, 2026 · 3.61% APY · checked 3 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
12 Month Certificate Account
$500
3.60%
▲ 0.12% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.12% above avgNationally 2.99%
Details
APY (min. balance $100,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
12 Month Fixed Rate Certificates
$0
3.56%
▲ 0.08% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.48%▲ 0.08% above avgNationally 2.99%
Details
Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 3.56% APY
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
12 Month Jumbo Fixed-Rate CD
$0
3.56%
▲ 0.08% above Idaho avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.48%▲ 0.08% above avgNationally 2.99%
Details
Jumbo CD Rates; Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 3.56% APY
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
12 Month Certificate of Deposit
$500
3.55%
▲ 0.07% above Idaho avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.48%▲ 0.07% above avgNationally 2.99%
Details
Pays quarterly
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 2 times
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 12 Months
$500
3.51%
▲ 0.03% above Idaho avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Idaho Average3.48%▲ 0.03% above avgNationally 2.99%
Details
Interest Rate 3.45%; APY 3.51%; $500 minimum deposit to open
Rate History
No change since Oct 7, 2026 · 3.51% APY · checked 3 times
First Technology Federal Credit Union
Traditional Share Certificates - 12-Month
$500
3.50%
▲ 0.02% above Idaho avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.48%▲ 0.02% above avgNationally 2.99%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.50% APY
Bonners Ferry 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
18 Month Certificate Account
$500
4.10%
▲ 0.60% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.60% above avgNationally 2.88%
Details
Fixed APY for certificate term; APY assumes dividends remain deposited until maturity
Rate History
1 change since Sep 18, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
- Oct 19, 20264.10%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
IRA Certificate - 18 Months
$0
4.10%
▲ 0.60% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.60% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
Share Certificate - 18 Months
$0
4.10%
▲ 0.60% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.60% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
- Sep 27, 20264.10%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 18 Months
$0
4.60%
▲ 1.10% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 1.10% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.60% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 18 Months
$0
4.45%
▲ 0.95% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.95% above avgNationally 2.88%
Details
Balance: $50,000.00 - $99,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.45% APY · checked 6 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Certificates of Deposit - 18 month
$500
4.30%
▲ 0.80% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.50%▲ 0.80% above avgNationally 2.88%
Details
All certificates can be added onto, $200 minimum add on; substantial penalty for early withdrawal
Rate History
1 change since Sep 9, 2026 · 2.75% → 4.30% ▲ 1.55 pts · high 4.30% / low 2.75%
- Oct 20, 20264.30%▲ from 2.75%
- Sep 9, 20262.75%first recorded
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
IRA 18 Month
$0
4.30%
▲ 0.80% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.50%▲ 0.80% above avgNationally 2.88%
Details
Individual Retirement accounts (IRAs) - deposits allowed; all rates APY*
Rate History
1 change since Sep 9, 2026 · 2.75% → 4.30% ▲ 1.55 pts · high 4.30% / low 2.75%
- Oct 20, 20264.30%▲ from 2.75%
- Sep 9, 20262.75%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 18 Months
$0
4.30%
▲ 0.80% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.80% above avgNationally 2.88%
Details
Balance: $500.00 - $49,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
Fixed Rate Term Certificate - 18 Months
$0
4.20%
▲ 0.70% above Idaho avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.50%▲ 0.70% above avgNationally 2.88%
Details
All accounts require a minimum balance of $500 to earn APY; Rates as of 10/21/2026
Rate History
No change since Oct 23, 2026 · 4.20% APY
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Promo CD
$500
4.20%
▲ 0.70% above Idaho avg
▼
Rate4.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.70% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
18 Month Term Certificate
$500
4.20%
▲ 0.70% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.70% above avgNationally 2.88%
Details
Open Effective September 21, 2026; Rates are tiered based on deposit amount
Rate History
No change since Oct 10, 2026 · 4.20% APY · checked 2 times
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
18 Month Certificate
$0
4.15%
▲ 0.65% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.65% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 5, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
18 Month Certificate
$500
4.15%
▲ 0.65% above Idaho avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.65% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.15% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed Certificate
$500
4.10%
▲ 0.60% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.60% above avgNationally 2.88%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
18 Month ROTH IRA Term Certificate
$0
4.05%
▲ 0.55% above Idaho avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.50%▲ 0.55% above avgNationally 2.88%
Details
Minimum balance of $500 to earn APY; Rates as of 10/06/2026; IRA term certificate rates are set at date of purchase
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.70%
- Oct 8, 20264.05%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
IRA Term Certificate - 18 Month
$0
4.05%
▲ 0.55% above Idaho avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.50%▲ 0.55% above avgNationally 2.88%
Details
All accounts require a minimum balance of $500 to earn APY
Rate History
No change since Oct 23, 2026 · 4.05% APY
Ireland Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.57%
18-Month CD
$25,000
4.00%
▲ 0.50% above Idaho avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Idaho Average3.50%▲ 0.50% above avgNationally 2.88%
Details
APY effective October 19, 2026, subject to change; compounded quarterly; penalty may be imposed for early withdrawal; offer good at any Ireland Bank Branch; $25,000 minimum deposit for 4.00% APY
Rate History
No change since Sep 15, 2026 · 4.00% APY · checked 10 times
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 18 month
$1,000
4.00%
▲ 0.50% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.50% above avgNationally 2.88%
Details
Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)
Rate History
No change since Oct 19, 2026 · 4.00% APY
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Business Certificate - 18 Month
$0
4.00%
▲ 0.50% above Idaho avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.50% above avgNationally 2.88%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificate - 18 Month
$1,000
4.00%
▲ 0.50% above Idaho avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.50% above avgNationally 2.88%
Details
Consumer Certificates and IRA Certificates; Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificate - 18 Month
$0
4.00%
▲ 0.50% above Idaho avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.50% above avgNationally 2.88%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
18 Month IRA
$500
3.96%
▲ 0.46% above Idaho avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.50%▲ 0.46% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 11, 2026 · 3.91% → 3.96% ▲ 0.05 pts · high 3.96% / low 3.90%
- Oct 21, 20263.96%▲ from 3.90%
- Oct 11, 20263.90%▼ from 3.91%
- Sep 11, 20263.91%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed Certificate
$500
3.95%
▲ 0.45% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.45% above avgNationally 2.88%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 2 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Certificate of Deposit - 18 Month CD
$500
3.84%
▲ 0.34% above Idaho avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.50%▲ 0.34% above avgNationally 2.88%
Details
Balance: $99,999.01 or more; Payment Frequency: Semiannually
Rate History
1 change since Sep 14, 2026 · 3.58% → 3.84% ▲ 0.26 pts · high 3.84% / low 3.58%
- Oct 14, 20263.84%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
18 Month CD
$500
3.80%
▲ 0.30% above Idaho avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.50%▲ 0.30% above avgNationally 2.88%
Details
Rate History
1 change since Sep 11, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
- Oct 21, 20263.80%▲ from 3.75%
- Sep 11, 20263.75%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
18 Month Fixed Certificate
$500
3.80%
▲ 0.30% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.30% above avgNationally 2.88%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Certificate of Deposit - 18 Month CD
$500
3.79%
▲ 0.29% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.50%▲ 0.29% above avgNationally 2.88%
Details
Balance: $500 - $99,999; Payment Frequency: Semiannually
Rate History
1 change since Sep 14, 2026 · 3.58% → 3.79% ▲ 0.21 pts · high 3.79% / low 3.58%
- Oct 14, 20263.79%▲ from 3.58%
- Sep 14, 20263.58%first recorded
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
18 Month Share Certificate
$0
3.75%
▲ 0.25% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.50%▲ 0.25% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificate - 18 months
$0
3.75%
▲ 0.25% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.50%▲ 0.25% above avgNationally 2.88%
Details
Share Certificates
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 9 times
First Technology Federal Credit Union
Bump Up Share Certificates - 18-Month Bump Up
$100,000
3.75%
▲ 0.25% above Idaho avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.50%▲ 0.25% above avgNationally 2.88%
Details
Balance: $100,000 +
Rate History
No change since Oct 22, 2026 · 3.75% APY
First Technology Federal Credit Union
IRA Certificates - 18-Month Bump Up
$100,000
3.75%
▲ 0.25% above Idaho avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.50%▲ 0.25% above avgNationally 2.88%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.75% APY
Snake River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificate - 18 Month
$0
3.70%
▲ 0.20% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.50%▲ 0.20% above avgNationally 2.88%
Details
Balance: $500.00 and up
Rate History
No change since Oct 22, 2026 · 3.70% APY · checked 2 times
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
CD - 18 Month One Jump
$0
3.70%
▲ 0.20% above Idaho avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▲ 0.20% above avgNationally 2.88%
Details
Base Rate 3.639%; One Jump Option: if rates increase within the term, you can jump up to the higher rate for the remainder of the term (one time only per certificate); Rates effective as of June 11, 2026
Rate History
No change since Oct 19, 2026 · 3.70% APY
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Jumbo Certificates of Deposit - 18 Months
$100,000
3.66%
▲ 0.16% above Idaho avg
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Idaho Average3.50%▲ 0.16% above avgNationally 2.88%
Details
Interest rates and APYs accurate as of 7/21/2026; No minimum balance is required to obtain the disclosed APY
Rate History
No change since Oct 14, 2026 · 3.66% APY · checked 3 times
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 18 Months
$500
3.56%
▲ 0.06% above Idaho avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Idaho Average3.50%▲ 0.06% above avgNationally 2.88%
Details
Interest Rate 3.50%; APY 3.56%; $500 minimum deposit to open
Rate History
No change since Oct 7, 2026 · 3.56% APY · checked 3 times
First Technology Federal Credit Union
Bump Up Share Certificates - 18-Month Bump Up
$500
3.50%
At Idaho avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.50%At the averageNationally 2.88%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
IRA Certificates - 18-Month Bump Up
$500
3.50%
At Idaho avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.50%At the averageNationally 2.88%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.50% APY
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Share Certificate - 18 Month BUMP
$500
3.30%
▼ 0.20% below Idaho avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▼ 0.20% below avgNationally 2.88%
Details
Dividends paid monthly; BUMP certificate
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Certificate of Deposit - 18 Month Fixed Rate
$100
3.25%
▼ 0.25% below Idaho avg
▼
Rate3.20%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.50%▼ 0.25% below avgNationally 2.88%
Details
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 2 times
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
18 Month Certificate
$0
3.25%
▼ 0.25% below Idaho avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▼ 0.25% below avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 2 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Promotional Certificate - 18 Months
$500
3.20%
▼ 0.30% below Idaho avg
▼
Rate3.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▼ 0.30% below avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.20% APY · checked 2 times
Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
18 Month Fixed Rate CD
$2,500
2.50%
▼ 1.00% below Idaho avg
▼
Rate2.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.50%▼ 1.00% below avgNationally 2.88%
Details
Balance: Up to $24,999.99; IRA minimum $100
Rate History
No change since Oct 22, 2026 · 2.50% APY
Heritage Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
Fixed Rate CD - 18 Months
$2,500
2.50%
▼ 1.00% below Idaho avg
▼
Rate2.47%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.50%▼ 1.00% below avgNationally 2.88%
Details
Balance: Up to $24,999.99; IRAs minimum $100 to open
Rate History
No change since Oct 22, 2026 · 2.50% APY
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
18 Month Fixed Rate Certificates
$0
2.28%
▼ 1.22% below Idaho avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.50%▼ 1.22% below avgNationally 2.88%
Details
Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 2.28% APY
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
IRA Share Certificate - 18 Months
$0
2.10%
▼ 1.40% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.50%▼ 1.40% below avgNationally 2.88%
Details
Balance: $500+; IRA CD .25% Increase (APY); Compounded/Paid: Monthly/Monthly
Rate History
No change since Sep 25, 2026 · 2.10% APY · checked 4 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
18 Month Rewards CD
$0
1.85%
▼ 1.65% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.50%▼ 1.65% below avgNationally 2.88%
Details
Balance: $500 +; Rates effective 10-22-2026; Regulations prohibit payment in excess of earnings. Penalty required for early withdrawal.
Rate History
No change since Oct 8, 2026 · 1.85% APY · checked 3 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
Share Certificate - 18 Months
$0
1.85%
▼ 1.65% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.50%▼ 1.65% below avgNationally 2.88%
Details
Balance: $500+; Compounded/Paid: Monthly/Monthly
Rate History
No change since Oct 12, 2026 · 1.85% APY · checked 3 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
18 Month Standard Certificate
$50,000
1.80%
▼ 1.70% below Idaho avg
▼
Rate1.79%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▼ 1.70% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 6 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
18 Month Standard Certificate
$10,000
1.75%
▼ 1.75% below Idaho avg
▼
Rate1.74%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▼ 1.75% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 6 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
18 Month Standard Certificate
$500
1.70%
▼ 1.80% below Idaho avg
▼
Rate1.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.50%▼ 1.80% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.70% APY · checked 6 times
Bonners Ferry 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
24 Month Certificate Account
$500
4.10%
▲ 0.72% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.72% above avgNationally 2.90%
Details
Fixed APY for certificate term; APY assumes dividends remain deposited until maturity
Rate History
1 change since Sep 18, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 19, 20264.10%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
IRA Certificate - 24 Months
$0
4.10%
▲ 0.72% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.72% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
Share Certificate - 24 Months
$0
4.10%
▲ 0.72% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.72% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Sep 27, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
24 Month Certificate
$0
4.50%
▲ 1.12% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 1.12% above avgNationally 2.90%
Details
Most Popular
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
24 Month Certificate
$500
4.45%
▲ 1.07% above Idaho avg
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 1.07% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 4.45% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 24 Months
$0
4.30%
▲ 0.92% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.92% above avgNationally 2.90%
Details
Balance: $100,000.00 and over; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.30% APY · checked 6 times
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
Fixed Rate Term Certificate - 24 Months
$0
4.25%
▲ 0.87% above Idaho avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.38%▲ 0.87% above avgNationally 2.90%
Details
All accounts require a minimum balance of $500 to earn APY; Rates as of 10/21/2026
Rate History
No change since Oct 23, 2026 · 4.25% APY
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Promo CD
$500
4.25%
▲ 0.87% above Idaho avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.87% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 9, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
24 Month Term Certificate
$500
4.25%
▲ 0.87% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.87% above avgNationally 2.90%
Details
Open Effective September 21, 2026; Rates are tiered based on deposit amount
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
IRA Term Certificate - 24 Months
$0
4.25%
▲ 0.87% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.87% above avgNationally 2.90%
Details
Balance: $500 - $19,999; Traditional, Roth, SEP
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Sep 22, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 24 Months
$0
4.15%
▲ 0.77% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.77% above avgNationally 2.90%
Details
Balance: $50,000.00 - $99,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 6 times
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share Certificate - 2 Years
$0
4.05%
▲ 0.67% above Idaho avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.67% above avgNationally 2.90%
Details
Dividend Term: Monthly; Penalty for early withdrawal applies
Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.05% ▲ 0.35 pts · high 4.05% / low 3.60%
- Oct 10, 20264.05%▲ from 3.60%
- Sep 18, 20263.60%▼ from 3.70%
- Sep 14, 20263.70%first recorded
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 24 month
$1,000
4.00%
▲ 0.62% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.62% above avgNationally 2.90%
Details
Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)
Rate History
No change since Oct 19, 2026 · 4.00% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 24 Months
$0
4.00%
▲ 0.62% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.62% above avgNationally 2.90%
Details
Balance: $500.00 - $49,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Business Certificate - 24 Month
$0
4.00%
▲ 0.62% above Idaho avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.62% above avgNationally 2.90%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificate - 24 Month
$1,000
4.00%
▲ 0.62% above Idaho avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.62% above avgNationally 2.90%
Details
Consumer Certificates and IRA Certificates; Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificate - 24 Month
$0
4.00%
▲ 0.62% above Idaho avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.62% above avgNationally 2.90%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
24 Month IRA CD
$500
3.96%
▲ 0.58% above Idaho avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.38%▲ 0.58% above avgNationally 2.90%
Details
Rate History
2 changes since Sep 11, 2026 · 3.41% → 3.96% ▲ 0.55 pts · high 3.96% / low 3.41%
- Oct 21, 20263.96%▲ from 3.66%
- Oct 11, 20263.66%▲ from 3.41%
- Sep 11, 20263.41%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
24 Month ROTH IRA Term Certificate
$0
3.95%
▲ 0.57% above Idaho avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.38%▲ 0.57% above avgNationally 2.90%
Details
Minimum balance of $500 to earn APY; Rates as of 10/06/2026; IRA term certificate rates are set at date of purchase
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.95% ▲ 0.35 pts · high 3.95% / low 3.60%
- Oct 8, 20263.95%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
IRA Term Certificate - 24 Months
$0
3.95%
▲ 0.57% above Idaho avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.38%▲ 0.57% above avgNationally 2.90%
Details
All accounts require a minimum balance of $500 to earn APY
Rate History
No change since Oct 23, 2026 · 3.95% APY
Snake River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Share Certificate - 24 Month
$0
3.90%
▲ 0.52% above Idaho avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.38%▲ 0.52% above avgNationally 2.90%
Details
Balance: $500.00 and up
Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Bump Certificate
$500
3.90%
▲ 0.52% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.52% above avgNationally 2.90%
Details
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Certificate of Deposit - 2 Year (24 Month) CD
$500
3.80%
▲ 0.42% above Idaho avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.38%▲ 0.42% above avgNationally 2.90%
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
24 Month CD
$500
3.80%
▲ 0.42% above Idaho avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.38%▲ 0.42% above avgNationally 2.90%
Details
Rate History
2 changes since Sep 11, 2026 · 3.25% → 3.80% ▲ 0.55 pts · high 3.80% / low 3.25%
- Oct 21, 20263.80%▲ from 3.50%
- Oct 11, 20263.50%▲ from 3.25%
- Sep 11, 20263.25%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Fixed Certificate
$500
3.80%
▲ 0.42% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.42% above avgNationally 2.90%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
24 Month Certificate of Deposit
$500
3.80%
▲ 0.42% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.42% above avgNationally 2.90%
Details
Pays quarterly
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Certificate of Deposit - 2 Year (24 Month) CD
$500
3.75%
▲ 0.37% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.38%▲ 0.37% above avgNationally 2.90%
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Oct 14, 20263.75%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
24 Month Share Certificate
$0
3.75%
▲ 0.37% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.38%▲ 0.37% above avgNationally 2.90%
Details
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificate - 24 months
$0
3.75%
▲ 0.37% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.38%▲ 0.37% above avgNationally 2.90%
Details
Share Certificates
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 9 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Bump Certificate
$500
3.75%
▲ 0.37% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.37% above avgNationally 2.90%
Details
Balance: $50,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Fixed Certificate
$500
3.65%
▲ 0.27% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.27% above avgNationally 2.90%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 Month Certificate
$1,000
3.61%
▲ 0.23% above Idaho avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.23% above avgNationally 2.90%
Details
Balance: $1,000.00 Minimum Opening Deposit
Rate History
No change since Oct 9, 2026 · 3.61% APY · checked 3 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
24 Month IRA
$500
3.61%
▲ 0.23% above Idaho avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.23% above avgNationally 2.90%
Details
Balance: $500.00 Minimum Opening Deposit
Rate History
1 change since Sep 22, 2026 · 4.12% → 3.61% ▼ 0.51 pts · high 4.12% / low 3.61%
- Oct 19, 20263.61%▼ from 4.12%
- Sep 22, 20264.12%first recorded
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
CD - 2 Year One Jump
$0
3.60%
▲ 0.22% above Idaho avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.22% above avgNationally 2.90%
Details
Base Rate 3.542%; One Jump Option: if rates increase within the term, you can jump up to the higher rate for the remainder of the term (one time only per certificate); Rates effective as of June 11, 2026
Rate History
No change since Oct 19, 2026 · 3.60% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Bump Certificate
$500
3.60%
▲ 0.22% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.22% above avgNationally 2.90%
Details
Balance: $500 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 24 Month
$500
3.60%
▲ 0.22% above Idaho avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.22% above avgNationally 2.90%
Details
$500; Minimum deposit $500 to open and maintain APY
Rate History
1 change since Oct 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
- Oct 19, 20263.60%▲ from 3.50%
- Oct 14, 20263.50%first recorded
First Technology Federal Credit Union
Bump Up Share Certificates - 24-Month Bump Up
$100,000
3.50%
▲ 0.12% above Idaho avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.38%▲ 0.12% above avgNationally 2.90%
Details
Balance: $100,000 +
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
IRA Certificates - 24-Month Bump Up
$100,000
3.50%
▲ 0.12% above Idaho avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.38%▲ 0.12% above avgNationally 2.90%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Fixed Certificate
$500
3.50%
▲ 0.12% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.12% above avgNationally 2.90%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
24 Month Certificate
$100
3.50%
▲ 0.12% above Idaho avg
▼
Rate3.46%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.12% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Account
$500
3.40%
▲ 0.02% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▲ 0.02% above avgNationally 2.90%
Details
APY (min. balance $100,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 2 times
First Technology Federal Credit Union
Bump Up Share Certificates - 24-Month Bump Up
$500
3.25%
▼ 0.13% below Idaho avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.38%▼ 0.13% below avgNationally 2.90%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Technology Federal Credit Union
IRA Certificates - 24-Month Bump Up
$500
3.25%
▼ 0.13% below Idaho avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.38%▼ 0.13% below avgNationally 2.90%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Account
$500
3.25%
▼ 0.13% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▼ 0.13% below avgNationally 2.90%
Details
APY (min. balance $50,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 2 times
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
24 Month Certificate
$0
3.25%
▼ 0.13% below Idaho avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▼ 0.13% below avgNationally 2.90%
Details
Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 2 times
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
2 Year Certificate
$0
3.25%
▼ 0.13% below Idaho avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▼ 0.13% below avgNationally 2.90%
Details
24 months; Minimum balance $1,000.00; Early Withdrawal 90 day Penalty
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
2 Year IRA Certificate
$0
3.25%
▼ 0.13% below Idaho avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▼ 0.13% below avgNationally 2.90%
Details
24 Months; IRA; Minimum balance $1,000.00; Early Withdrawal 90 day Penalty
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Promotional Certificate - 24 Months
$500
3.15%
▼ 0.23% below Idaho avg
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▼ 0.23% below avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.15% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
24 Month Certificate Account
$500
3.10%
▼ 0.28% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.38%▼ 0.28% below avgNationally 2.90%
Details
APY (min. balance $500); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 2 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Certificates of Deposit - 24 month
$500
3.00%
▼ 0.38% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.38%▼ 0.38% below avgNationally 2.90%
Details
All certificates can be added onto, $200 minimum add on; substantial penalty for early withdrawal
Rate History
1 change since Sep 9, 2026 · 2.50% → 3.00% ▲ 0.50 pts · high 3.00% / low 2.50%
- Oct 20, 20263.00%▲ from 2.50%
- Sep 9, 20262.50%first recorded
Bonners Ferry 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
36 Month Certificate Account
$500
4.20%
▲ 1.05% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 1.05% above avgNationally 2.81%
Details
Fixed APY for certificate term; APY assumes dividends remain deposited until maturity
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Oct 19, 20264.20%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
IRA Certificate - 36 Months
$0
4.20%
▲ 1.05% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 1.05% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
Share Certificate - 36 Months
$0
4.20%
▲ 1.05% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 1.05% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.20% ▲ 0.45 pts · high 4.20% / low 3.75%
- Sep 27, 20264.20%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
36 Month Certificate
$500
4.35%
▲ 1.20% above Idaho avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 1.20% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 2 times
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
36 Month Certificate of Deposit
$500
4.32%
▲ 1.17% above Idaho avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 1.17% above avgNationally 2.81%
Details
Pays quarterly
Rate History
No change since Oct 14, 2026 · 4.32% APY · checked 2 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
36 Month Share Certificate
$0
4.30%
▲ 1.15% above Idaho avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.15%▲ 1.15% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 4.30% APY · checked 2 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificate - 36 months
$0
4.30%
▲ 1.15% above Idaho avg
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.15%▲ 1.15% above avgNationally 2.81%
Details
Share Certificates
Rate History
2 changes since Sep 12, 2026 · 3.75% → 4.30% ▲ 0.55 pts · high 4.30% / low 3.75%
- Oct 8, 20264.30%▲ from 4.00%
- Oct 4, 20264.00%▲ from 3.75%
- Sep 12, 20263.75%first recorded
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
36 Month IRA CD
$500
3.96%
▲ 0.81% above Idaho avg
▼
Rate3.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.15%▲ 0.81% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 11, 2026 · 3.30% → 3.96% ▲ 0.66 pts · high 3.96% / low 3.30%
- Oct 21, 20263.96%▲ from 3.55%
- Oct 11, 20263.55%▲ from 3.30%
- Sep 11, 20263.30%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
36 Month ROTH IRA Term Certificate
$0
3.85%
▲ 0.70% above Idaho avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.15%▲ 0.70% above avgNationally 2.81%
Details
Minimum balance of $500 to earn APY; Rates as of 10/06/2026; IRA term certificate rates are set at date of purchase
Rate History
1 change since Sep 14, 2026 · 3.35% → 3.85% ▲ 0.50 pts · high 3.85% / low 3.35%
- Oct 8, 20263.85%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
Fixed Rate Term Certificate - 36 Months
$0
3.85%
▲ 0.70% above Idaho avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.15%▲ 0.70% above avgNationally 2.81%
Details
All accounts require a minimum balance of $500 to earn APY; Rates as of 10/21/2026
Rate History
No change since Oct 23, 2026 · 3.85% APY
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
IRA Term Certificate - 36 Months
$0
3.85%
▲ 0.70% above Idaho avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.15%▲ 0.70% above avgNationally 2.81%
Details
All accounts require a minimum balance of $500 to earn APY
Rate History
No change since Oct 23, 2026 · 3.85% APY
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Certificate of Deposit - 3 Year (36 Month) CD
$500
3.80%
▲ 0.65% above Idaho avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.15%▲ 0.65% above avgNationally 2.81%
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
36 Month CD
$500
3.80%
▲ 0.65% above Idaho avg
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.15%▲ 0.65% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 11, 2026 · 3.15% → 3.80% ▲ 0.65 pts · high 3.80% / low 3.15%
- Oct 21, 20263.80%▲ from 3.40%
- Oct 11, 20263.40%▲ from 3.15%
- Sep 11, 20263.15%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
36 Month Term Certificate
$500
3.80%
▲ 0.65% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.65% above avgNationally 2.81%
Details
Open Effective September 21, 2026; Rates are tiered based on deposit amount
Rate History
No change since Oct 10, 2026 · 3.80% APY · checked 2 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Certificate of Deposit - 3 Year (36 Month) CD
$500
3.75%
▲ 0.60% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.15%▲ 0.60% above avgNationally 2.81%
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Oct 14, 20263.75%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 36 Months
$0
3.75%
▲ 0.60% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.60% above avgNationally 2.81%
Details
Balance: $100,000.00 and over; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Business Certificate - 36 Month
$0
3.75%
▲ 0.60% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.60% above avgNationally 2.81%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificate - 36 Month
$1,000
3.75%
▲ 0.60% above Idaho avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.60% above avgNationally 2.81%
Details
Consumer Certificates and IRA Certificates; Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificate - 36 Month
$0
3.75%
▲ 0.60% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.60% above avgNationally 2.81%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month Certificate
$1,000
3.61%
▲ 0.46% above Idaho avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.46% above avgNationally 2.81%
Details
Balance: $1,000.00 Minimum Opening Deposit
Rate History
No change since Oct 9, 2026 · 3.61% APY · checked 3 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
36 Month IRA
$500
3.61%
▲ 0.46% above Idaho avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.46% above avgNationally 2.81%
Details
Balance: $500.00 Minimum Opening Deposit
Rate History
1 change since Sep 22, 2026 · 4.12% → 3.61% ▼ 0.51 pts · high 4.12% / low 3.61%
- Oct 19, 20263.61%▼ from 4.12%
- Sep 22, 20264.12%first recorded
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 36 Month
$500
3.60%
▲ 0.45% above Idaho avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.45% above avgNationally 2.81%
Details
$500; Minimum deposit $500 to open and maintain APY
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 36 Months
$0
3.55%
▲ 0.40% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.40% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
First Technology Federal Credit Union
Bump Up Share Certificates - 36-Month Bump Up
$100,000
3.50%
▲ 0.35% above Idaho avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.15%▲ 0.35% above avgNationally 2.81%
Details
Balance: $100,000 +
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
IRA Certificates - 36-Month Bump Up
$100,000
3.50%
▲ 0.35% above Idaho avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.15%▲ 0.35% above avgNationally 2.81%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 36 month
$1,000
3.50%
▲ 0.35% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.35% above avgNationally 2.81%
Details
Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)
Rate History
No change since Oct 19, 2026 · 3.50% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Bump Certificate
$500
3.50%
▲ 0.35% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.35% above avgNationally 2.81%
Details
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
CD - 3 Year One Jump
$0
3.40%
▲ 0.25% above Idaho avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.25% above avgNationally 2.81%
Details
Base Rate 3.348%; One Jump Option: if rates increase within the term, you can jump up to the higher rate for the remainder of the term (one time only per certificate); Rates effective as of June 11, 2026
Rate History
No change since Oct 19, 2026 · 3.40% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 36 Months
$0
3.35%
▲ 0.20% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.20% above avgNationally 2.81%
Details
Balance: $500.00 - $49,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Bump Certificate
$500
3.30%
▲ 0.15% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.15% above avgNationally 2.81%
Details
Balance: $50,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
First Technology Federal Credit Union
Bump Up Share Certificates - 36-Month Bump Up
$500
3.25%
▲ 0.10% above Idaho avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.15%▲ 0.10% above avgNationally 2.81%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Technology Federal Credit Union
IRA Certificates - 36-Month Bump Up
$500
3.25%
▲ 0.10% above Idaho avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.15%▲ 0.10% above avgNationally 2.81%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Fixed Certificate
$500
3.25%
▲ 0.10% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.10% above avgNationally 2.81%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
36 Month Certificate
$0
3.25%
▲ 0.10% above Idaho avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.10% above avgNationally 2.81%
Details
Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 2 times
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Year Certificate
$0
3.25%
▲ 0.10% above Idaho avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.10% above avgNationally 2.81%
Details
36 Months; Minimum balance $1,000.00; Early Withdrawal 90 day Penalty
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Silverado Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
3 Year IRA Certificate
$0
3.25%
▲ 0.10% above Idaho avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▲ 0.10% above avgNationally 2.81%
Details
36 Months; IRA; Minimum balance $1,000.00; Early Withdrawal 90 day Penalty
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Bump Certificate
$500
3.10%
▼ 0.05% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▼ 0.05% below avgNationally 2.81%
Details
Balance: $500 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Promotional Certificate - 36 Months
$500
3.10%
▼ 0.05% below Idaho avg
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▼ 0.05% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Fixed Certificate
$500
3.05%
▼ 0.10% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▼ 0.10% below avgNationally 2.81%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Certificates of Deposit - 36 month
$500
3.00%
▼ 0.15% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.15%▼ 0.15% below avgNationally 2.81%
Details
All certificates can be added onto, $200 minimum add on; substantial penalty for early withdrawal
Rate History
1 change since Sep 9, 2026 · 1.50% → 3.00% ▲ 1.50 pts · high 3.00% / low 1.50%
- Oct 20, 20263.00%▲ from 1.50%
- Sep 9, 20261.50%first recorded
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
IRA 36 Month
$0
3.00%
▼ 0.15% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.15%▼ 0.15% below avgNationally 2.81%
Details
Individual Retirement accounts (IRAs) - deposits allowed; all rates APY*
Rate History
1 change since Sep 9, 2026 · 1.50% → 3.00% ▲ 1.50 pts · high 3.00% / low 1.50%
- Oct 20, 20263.00%▲ from 1.50%
- Sep 9, 20261.50%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Account
$500
3.00%
▼ 0.15% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▼ 0.15% below avgNationally 2.81%
Details
APY (min. balance $100,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Fixed Certificate
$500
2.85%
▼ 0.30% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▼ 0.30% below avgNationally 2.81%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 2.85% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Account
$500
2.80%
▼ 0.35% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▼ 0.35% below avgNationally 2.81%
Details
APY (min. balance $50,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 2 times
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Share Certificate - 36 Month BUMP
$500
2.75%
▼ 0.40% below Idaho avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▼ 0.40% below avgNationally 2.81%
Details
Dividends paid monthly; BUMP certificate
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
CUTTING EDGE
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
36 Month Certificate
$100
2.75%
▼ 0.40% below Idaho avg
▼
Rate2.72%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▼ 0.40% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
36 Month Certificate Account
$500
2.60%
▼ 0.55% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.15%▼ 0.55% below avgNationally 2.81%
Details
APY (min. balance $500); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 2 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Certificate of Deposit - 36 Month Fixed Rate
$100
2.50%
▼ 0.65% below Idaho avg
▼
Rate2.47%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.15%▼ 0.65% below avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 2 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
IRA Share Certificate - 36 Months
$0
2.35%
▼ 0.80% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.15%▼ 0.80% below avgNationally 2.81%
Details
Balance: $500+; IRA CD .25% Increase (APY); Compounded/Paid: Monthly/Monthly
Rate History
No change since Sep 25, 2026 · 2.35% APY · checked 4 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
36 Month Rewards CD
$0
2.10%
▼ 1.05% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.15%▼ 1.05% below avgNationally 2.81%
Details
Balance: $500 +; Rates effective 10-22-2026; Regulations prohibit payment in excess of earnings. Penalty required for early withdrawal.
Rate History
No change since Oct 8, 2026 · 2.10% APY · checked 3 times
Bonners Ferry 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
48 Month Certificate Account
$500
4.20%
▲ 1.08% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 1.08% above avgNationally 2.81%
Details
Fixed APY for certificate term; APY assumes dividends remain deposited until maturity
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Oct 19, 20264.20%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
IRA Certificate - 48 Months
$0
4.20%
▲ 1.08% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 1.08% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
Share Certificate - 48 Months
$0
4.20%
▲ 1.08% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 1.08% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.20% ▲ 0.40 pts · high 4.20% / low 3.80%
- Sep 27, 20264.20%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
48 Month Share Certificate
$0
4.40%
▲ 1.28% above Idaho avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.12%▲ 1.28% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificate - 48 months
$0
4.40%
▲ 1.28% above Idaho avg
▼
Rate4.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.12%▲ 1.28% above avgNationally 2.81%
Details
Share Certificates
Rate History
2 changes since Sep 12, 2026 · 3.75% → 4.40% ▲ 0.65 pts · high 4.40% / low 3.75%
- Oct 8, 20264.40%▲ from 4.10%
- Oct 4, 20264.10%▲ from 3.75%
- Sep 12, 20263.75%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
48 Month Certificate
$500
4.35%
▲ 1.23% above Idaho avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 1.23% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.35% APY · checked 2 times
Farmers Bank Buhl, ID
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
48 Month CD
$500
3.90%
▲ 0.78% above Idaho avg
▼
Rate3.84%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.12%▲ 0.78% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 11, 2026 · 3.15% → 3.90% ▲ 0.75 pts · high 3.90% / low 3.15%
- Oct 21, 20263.90%▲ from 3.50%
- Oct 11, 20263.50%▲ from 3.15%
- Sep 11, 20263.15%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
48 Month Term Certificate
$500
3.80%
▲ 0.68% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.68% above avgNationally 2.81%
Details
Open Effective September 21, 2026; Rates are tiered based on deposit amount
Rate History
No change since Oct 10, 2026 · 3.80% APY · checked 2 times
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Jumbo Certificates of Deposit - 4 Years
$100,000
3.76%
▲ 0.64% above Idaho avg
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Idaho Average3.12%▲ 0.64% above avgNationally 2.81%
Details
Interest rates and APYs accurate as of 7/21/2026; No minimum balance is required to obtain the disclosed APY
Rate History
No change since Oct 14, 2026 · 3.76% APY · checked 3 times
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
48 Month ROTH IRA Term Certificate
$0
3.75%
▲ 0.63% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.12%▲ 0.63% above avgNationally 2.81%
Details
Minimum balance of $500 to earn APY; Rates as of 10/06/2026; IRA term certificate rates are set at date of purchase
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.75% ▲ 0.30 pts · high 3.75% / low 3.45%
- Oct 8, 20263.75%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
Fixed Rate Term Certificate - 48 Months
$0
3.75%
▲ 0.63% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.12%▲ 0.63% above avgNationally 2.81%
Details
All accounts require a minimum balance of $500 to earn APY; Rates as of 10/21/2026
Rate History
No change since Oct 23, 2026 · 3.75% APY
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
IRA Term Certificate - 48 Months
$0
3.75%
▲ 0.63% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.12%▲ 0.63% above avgNationally 2.81%
Details
All accounts require a minimum balance of $500 to earn APY
Rate History
No change since Oct 23, 2026 · 3.75% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 48 Months
$0
3.75%
▲ 0.63% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.63% above avgNationally 2.81%
Details
Balance: $100,000.00 and over; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Business Certificate - 48 Month
$0
3.75%
▲ 0.63% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.63% above avgNationally 2.81%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificate - 48 Month
$1,000
3.75%
▲ 0.63% above Idaho avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.63% above avgNationally 2.81%
Details
Consumer Certificates and IRA Certificates; Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificate - 48 Month
$0
3.75%
▲ 0.63% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.63% above avgNationally 2.81%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 4 Years
$500
3.66%
▲ 0.54% above Idaho avg
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Idaho Average3.12%▲ 0.54% above avgNationally 2.81%
Details
Interest Rate 3.60%; APY 3.66%; $500 minimum deposit to open
Rate History
No change since Oct 7, 2026 · 3.66% APY · checked 3 times
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 48 Month
$500
3.60%
▲ 0.48% above Idaho avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.48% above avgNationally 2.81%
Details
$500; Minimum deposit $500 to open and maintain APY
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 48 Months
$0
3.55%
▲ 0.43% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.43% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
First Technology Federal Credit Union
Traditional Share Certificates - 48-Month
$100,000
3.50%
▲ 0.38% above Idaho avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.12%▲ 0.38% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
IRA Certificates - 48-Month
$100,000
3.50%
▲ 0.38% above Idaho avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.12%▲ 0.38% above avgNationally 2.81%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 48 month
$1,000
3.50%
▲ 0.38% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.38% above avgNationally 2.81%
Details
Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)
Rate History
No change since Oct 19, 2026 · 3.50% APY
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
CD - 4 Year One Jump
$0
3.50%
▲ 0.38% above Idaho avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.38% above avgNationally 2.81%
Details
Base Rate 3.445%; One Jump Option: if rates increase within the term, you can jump up to the higher rate for the remainder of the term (one time only per certificate); Rates effective as of June 11, 2026
Rate History
No change since Oct 19, 2026 · 3.50% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Bump Certificate
$500
3.50%
▲ 0.38% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.38% above avgNationally 2.81%
Details
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month Certificate
$0
3.45%
▲ 0.33% above Idaho avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.33% above avgNationally 2.81%
Details
Balance: $1,000.00 to $24,999.99
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 8 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
48 Month IRA
$500
3.45%
▲ 0.33% above Idaho avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.33% above avgNationally 2.81%
Details
Balance: $500.00 Minimum Opening Deposit
Rate History
No change since Sep 18, 2026 · 3.45% APY · checked 11 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 48 Months
$0
3.35%
▲ 0.23% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.23% above avgNationally 2.81%
Details
Balance: $500.00 - $49,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Bump Certificate
$500
3.30%
▲ 0.18% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.18% above avgNationally 2.81%
Details
Balance: $50,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
48 Month Certificate
$0
3.30%
▲ 0.18% above Idaho avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.18% above avgNationally 2.81%
Details
Rate History
No change since Oct 10, 2026 · 3.30% APY · checked 2 times
First Technology Federal Credit Union
Traditional Share Certificates - 48-Month
$500
3.25%
▲ 0.13% above Idaho avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.12%▲ 0.13% above avgNationally 2.81%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Technology Federal Credit Union
IRA Certificates - 48-Month
$500
3.25%
▲ 0.13% above Idaho avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.12%▲ 0.13% above avgNationally 2.81%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Fixed Certificate
$500
3.25%
▲ 0.13% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▲ 0.13% above avgNationally 2.81%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Bump Certificate
$500
3.10%
▼ 0.02% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▼ 0.02% below avgNationally 2.81%
Details
Balance: $500 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Fixed Certificate
$500
3.05%
▼ 0.07% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▼ 0.07% below avgNationally 2.81%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Certificates of Deposit - 48 month
$500
3.00%
▼ 0.12% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.12%▼ 0.12% below avgNationally 2.81%
Details
All certificates can be added onto, $200 minimum add on; substantial penalty for early withdrawal
Rate History
1 change since Sep 9, 2026 · 1.25% → 3.00% ▲ 1.75 pts · high 3.00% / low 1.25%
- Oct 20, 20263.00%▲ from 1.25%
- Sep 9, 20261.25%first recorded
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
IRA 48 Month
$0
3.00%
▼ 0.12% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.12%▼ 0.12% below avgNationally 2.81%
Details
Individual Retirement accounts (IRAs) - deposits allowed; all rates APY*
Rate History
1 change since Sep 9, 2026 · 1.25% → 3.00% ▲ 1.75 pts · high 3.00% / low 1.25%
- Oct 20, 20263.00%▲ from 1.25%
- Sep 9, 20261.25%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Account
$500
3.00%
▼ 0.12% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▼ 0.12% below avgNationally 2.81%
Details
APY (min. balance $100,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 2 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Promotional Certificate - 48 Months
$500
3.00%
▼ 0.12% below Idaho avg
▼
Rate2.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▼ 0.12% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Fixed Certificate
$500
2.85%
▼ 0.27% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▼ 0.27% below avgNationally 2.81%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 2.85% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Account
$500
2.80%
▼ 0.32% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▼ 0.32% below avgNationally 2.81%
Details
APY (min. balance $50,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 2 times
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Share Certificate - 48 Month BUMP
$500
2.75%
▼ 0.37% below Idaho avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▼ 0.37% below avgNationally 2.81%
Details
Dividends paid monthly; BUMP certificate
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
48 Month Certificate Account
$500
2.60%
▼ 0.52% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▼ 0.52% below avgNationally 2.81%
Details
APY (min. balance $500); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 2 times
Northwest Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.37%
Certificate of Deposit - 48 Month Fixed Rate
$100
2.50%
▼ 0.62% below Idaho avg
▼
Rate2.47%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.12%▼ 0.62% below avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 2 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
IRA Share Certificate - 48 Months
$0
2.45%
▼ 0.67% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.12%▼ 0.67% below avgNationally 2.81%
Details
Balance: $500+; IRA CD .25% Increase (APY); Compounded/Paid: Monthly/Monthly
Rate History
No change since Sep 25, 2026 · 2.45% APY · checked 4 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
48 Month Rewards CD
$0
2.20%
▼ 0.92% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.12%▼ 0.92% below avgNationally 2.81%
Details
Balance: $500 +; Rates effective 10-22-2026; Regulations prohibit payment in excess of earnings. Penalty required for early withdrawal.
Rate History
No change since Oct 8, 2026 · 2.20% APY · checked 3 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
Share Certificate - 48 Months
$0
2.20%
▼ 0.92% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.12%▼ 0.92% below avgNationally 2.81%
Details
Balance: $500+; Compounded/Paid: Monthly/Monthly
Rate History
No change since Oct 12, 2026 · 2.20% APY · checked 3 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
48 Month Standard Certificate
$50,000
2.05%
▼ 1.07% below Idaho avg
▼
Rate2.03%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▼ 1.07% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.05% APY · checked 6 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
48 Month Standard Certificate
$10,000
2.00%
▼ 1.12% below Idaho avg
▼
Rate1.99%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▼ 1.12% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 6 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
48 Month Standard Certificate
$500
1.95%
▼ 1.17% below Idaho avg
▼
Rate1.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.12%▼ 1.17% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 1.95% APY · checked 6 times
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
48 Month Fixed Rate Certificates
$0
1.41%
▼ 1.71% below Idaho avg
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.12%▼ 1.71% below avgNationally 2.81%
Details
Effective Date October 22, 2026; Interest rates valid for opening accounts online
Rate History
No change since Oct 22, 2026 · 1.41% APY
Bonners Ferry 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
60 Month Certificate Account
$500
4.20%
▲ 0.99% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.99% above avgNationally 2.92%
Details
Fixed APY for certificate term; APY assumes dividends remain deposited until maturity
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 19, 20264.20%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
IRA Certificate - 60 Months
$0
4.20%
▲ 0.99% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.99% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
6673 Main St, Bonners Ferry, ID 83805
Share Certificate - 60 Months
$0
4.20%
▲ 0.99% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.99% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Sep 27, 20264.20%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
60 Month Share Certificate
$0
4.50%
▲ 1.29% above Idaho avg
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.21%▲ 1.29% above avgNationally 2.92%
Details
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
Share Certificate - 60 months
$0
4.50%
▲ 1.29% above Idaho avg
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.21%▲ 1.29% above avgNationally 2.92%
Details
Share Certificates
Rate History
2 changes since Sep 12, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 8, 20264.50%▲ from 4.20%
- Oct 4, 20264.20%▲ from 3.75%
- Sep 12, 20263.75%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
60 Month Certificate
$0
4.50%
▲ 1.29% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 1.29% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Certificate Account
$500
4.50%
▲ 1.29% above Idaho avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 1.29% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
60 Month Regular Certificate
$500
4.50%
▲ 1.29% above Idaho avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 1.29% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 19, 20264.50%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
60 Month Certificate
$500
4.40%
▲ 1.19% above Idaho avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 1.19% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.40% APY · checked 2 times
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.33%
Bump-Rate Certificate 60 Months
$500
4.35%
▲ 1.14% above Idaho avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 1.14% above avgNationally 2.92%
Details
Early-withdrawal penalties may apply; Dividends are credited monthly
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 5, 20264.35%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Month Promo CD
$500
4.30%
▲ 1.09% above Idaho avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 1.09% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 9, 20264.30%▲ from 3.90%
- Sep 14, 20263.90%first recorded
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Jumbo Certificates of Deposit - 5 Years
$100,000
3.82%
▲ 0.61% above Idaho avg
▼
Rate3.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Idaho Average3.21%▲ 0.61% above avgNationally 2.92%
Details
Interest rates and APYs accurate as of 7/21/2026; No minimum balance is required to obtain the disclosed APY
Rate History
No change since Oct 14, 2026 · 3.82% APY · checked 3 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Certificate of Deposit - 5 Year (60 Month) CD
$500
3.80%
▲ 0.59% above Idaho avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.21%▲ 0.59% above avgNationally 2.92%
Details
Balance: $99,999.01 or more; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Oct 14, 20263.80%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
60 Month Term Certificate
$500
3.80%
▲ 0.59% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.59% above avgNationally 2.92%
Details
Open Effective September 21, 2026; Rates are tiered based on deposit amount
Rate History
No change since Oct 10, 2026 · 3.80% APY · checked 2 times
Members Preferred Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
5 Year Certificate of Deposit
$500
3.80%
▲ 0.59% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.59% above avgNationally 2.92%
Details
Pays quarterly
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.66%
Certificate of Deposit - 5 Year (60 Month) CD
$500
3.75%
▲ 0.54% above Idaho avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Idaho Average3.21%▲ 0.54% above avgNationally 2.92%
Details
Balance: $500 - $99,999; Payment Frequency: Annually
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Oct 14, 20263.75%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.80%
CD - 5 Year One Jump
$0
3.75%
▲ 0.54% above Idaho avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.54% above avgNationally 2.92%
Details
Base Rate 3.687%; One Jump Option: if rates increase within the term, you can jump up to the higher rate for the remainder of the term (one time only per certificate); Rates effective as of June 11, 2026
Rate History
No change since Oct 19, 2026 · 3.75% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 60 Months
$0
3.75%
▲ 0.54% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.54% above avgNationally 2.92%
Details
Balance: $100,000.00 and over; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Business Certificate - 60 Month
$0
3.75%
▲ 0.54% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.54% above avgNationally 2.92%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Consumer Certificate - 60 Month
$1,000
3.75%
▲ 0.54% above Idaho avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.54% above avgNationally 2.92%
Details
Consumer Certificates and IRA Certificates; Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
Jumbo Certificate - 60 Month
$0
3.75%
▲ 0.54% above Idaho avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.54% above avgNationally 2.92%
Details
Balance: $95,000 or more; Effective Date: 09/01/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
Certificates of Deposit (CDs) - 5 Years
$500
3.71%
▲ 0.50% above Idaho avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Idaho Average3.21%▲ 0.50% above avgNationally 2.92%
Details
Interest Rate 3.65%; APY 3.71%; $500 minimum deposit to open
Rate History
No change since Oct 7, 2026 · 3.71% APY · checked 3 times
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
60 Month ROTH IRA Term Certificate
$0
3.65%
▲ 0.44% above Idaho avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.21%▲ 0.44% above avgNationally 2.92%
Details
Minimum balance of $500 to earn APY; Rates as of 10/06/2026; IRA term certificate rates are set at date of purchase
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.65% ▲ 0.10 pts · high 3.65% / low 3.55%
- Oct 8, 20263.65%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
Fixed Rate Term Certificate - 60 Months
$0
3.65%
▲ 0.44% above Idaho avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.21%▲ 0.44% above avgNationally 2.92%
Details
All accounts require a minimum balance of $500 to earn APY; Rates as of 10/21/2026
Rate History
No change since Oct 23, 2026 · 3.65% APY
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
IRA Term Certificate - 60 Months
$0
3.65%
▲ 0.44% above Idaho avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.21%▲ 0.44% above avgNationally 2.92%
Details
All accounts require a minimum balance of $500 to earn APY
Rate History
No change since Oct 23, 2026 · 3.65% APY
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
Certificates or More - 60 Month
$500
3.60%
▲ 0.39% above Idaho avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.39% above avgNationally 2.92%
Details
$500; Minimum deposit $500 to open and maintain APY
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month Certificate
$1,000
3.55%
▲ 0.34% above Idaho avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.34% above avgNationally 2.92%
Details
Balance: $1,000.00 Minimum Opening Deposit
Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 3 times
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
60 Month IRA
$500
3.55%
▲ 0.34% above Idaho avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.34% above avgNationally 2.92%
Details
Balance: $500.00 Minimum Opening Deposit
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 11 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 60 Months
$0
3.55%
▲ 0.34% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.34% above avgNationally 2.92%
Details
Balance: $50,000.00 - $99,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
First Technology Federal Credit Union
Traditional Share Certificates - 60-Month
$100,000
3.50%
▲ 0.29% above Idaho avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.21%▲ 0.29% above avgNationally 2.92%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
First Technology Federal Credit Union
IRA Certificates - 60-Month
$100,000
3.50%
▲ 0.29% above Idaho avg
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.21%▲ 0.29% above avgNationally 2.92%
Details
Balance: 100,000.00 and over
Rate History
No change since Oct 22, 2026 · 3.50% APY
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
Certificate - 60 month
$1,000
3.50%
▲ 0.29% above Idaho avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.29% above avgNationally 2.92%
Details
Certificates and IRA Certificates table; $1,000 minimum balance to open most Certificates ($500 for most IRA Certificates)
Rate History
No change since Oct 19, 2026 · 3.50% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Bump Certificate
$500
3.50%
▲ 0.29% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.29% above avgNationally 2.92%
Details
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
IRA CD - 60 Months
$0
3.35%
▲ 0.14% above Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.14% above avgNationally 2.92%
Details
Balance: $500.00 - $49,999.99; IRA certificate; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
60 Month Certificate
$0
3.35%
▲ 0.14% above Idaho avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.14% above avgNationally 2.92%
Details
Rate History
No change since Oct 10, 2026 · 3.35% APY · checked 2 times
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.82%
60 Month Business Certificate
$0
3.30%
▲ 0.09% above Idaho avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.21%▲ 0.09% above avgNationally 2.92%
Details
Minimum Balance: $250,000
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Bump Certificate
$500
3.30%
▲ 0.09% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.09% above avgNationally 2.92%
Details
Balance: $50,000 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.30% APY · checked 2 times
First Technology Federal Credit Union
Traditional Share Certificates - 60-Month
$500
3.25%
▲ 0.04% above Idaho avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.21%▲ 0.04% above avgNationally 2.92%
Details
Balance: $0.01 - $99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
First Technology Federal Credit Union
IRA Certificates - 60-Month
$500
3.25%
▲ 0.04% above Idaho avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Idaho Average3.21%▲ 0.04% above avgNationally 2.92%
Details
Balance: 500.00 - 99,999.99
Rate History
No change since Oct 22, 2026 · 3.25% APY
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Fixed Certificate
$500
3.25%
▲ 0.04% above Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▲ 0.04% above avgNationally 2.92%
Details
Balance: $100,000 minimum
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.82%
60 Month Business Certificate
$0
3.15%
▼ 0.06% below Idaho avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.21%▼ 0.06% below avgNationally 2.92%
Details
Minimum Balance: $100,000
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Bump Certificate
$500
3.10%
▼ 0.11% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▼ 0.11% below avgNationally 2.92%
Details
Balance: $500 minimum; Bump Certificate; one-time rate increase during term
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Fixed Certificate
$500
3.05%
▼ 0.16% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▼ 0.16% below avgNationally 2.92%
Details
Balance: $50,000 minimum
Rate History
No change since Oct 14, 2026 · 3.05% APY · checked 2 times
Global Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.82%
60 Month Business Certificate
$0
3.00%
▼ 0.21% below Idaho avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.21%▼ 0.21% below avgNationally 2.92%
Details
Minimum Balance: $500
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Account
$500
3.00%
▼ 0.21% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▼ 0.21% below avgNationally 2.92%
Details
APY (min. balance $100,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 2 times
CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 8.45%
Promotional Certificate - 60 Months
$500
2.95%
▼ 0.26% below Idaho avg
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▼ 0.26% below avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 2.95% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Fixed Certificate
$500
2.85%
▼ 0.36% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▼ 0.36% below avgNationally 2.92%
Details
Balance: $500 minimum
Rate History
No change since Oct 14, 2026 · 2.85% APY · checked 2 times
Gesa Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
60 Month Certificate Account
$500
2.80%
▼ 0.41% below Idaho avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▼ 0.41% below avgNationally 2.92%
Details
APY (min. balance $50,000); Early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.80% APY · checked 2 times
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
Share Certificate - 60 Month BUMP
$500
2.75%
▼ 0.46% below Idaho avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Idaho Average3.21%▼ 0.46% below avgNationally 2.92%
Details
Dividends paid monthly; BUMP certificate
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.24%
IRA Share Certificate - 60 Months
$0
2.60%
▼ 0.61% below Idaho avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Idaho Average3.21%▼ 0.61% below avgNationally 2.92%
Details
Balance: $500+; IRA CD .25% Increase (APY); Compounded/Paid: Monthly/Monthly
Rate History
No change since Sep 25, 2026 · 2.60% APY · checked 4 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Bonners Ferry, ID CD Rate Trends
Compare local Bonners Ferry, ID 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.
12-Month CD ID Avg
3.481%
▲ 0.029 vs 7 days ago
Idaho 12-month CD rates rose 0.029 points over the past 7 days to 3.481% APY.
6-Month CD ID Avg
3.288%
▼ 0.131 vs 7 days ago
Idaho 6-month CD rates fell 0.131 points over the past 7 days to 3.288% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
ID CD Rate Forecast, Next 12 Months
Where are Idaho CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
ID 12-Month Avg APY
3.481%
6-Month Forecast
3.481%
Range: 3.28%, 3.63%
12-Month Forecast
3.731%
Range: 3.53%, 3.88%
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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 | 2.643% | $132.17 | $264.33 | $660.82 | $1,321.65 |
| 6-Month CD | 3.288% | $164.39 | $328.77 | $821.93 | $1,643.85 |
| 12-Month CD | 3.481% | $174.05 | $348.10 | $870.25 | $1,740.50 |
| 18-Month CD | 3.496% | $174.80 | $349.59 | $873.97 | $1,747.95 |
| 24-Month CD | 3.376% | $168.78 | $337.55 | $843.88 | $1,687.75 |
| 36-Month CD | 3.146% | $157.30 | $314.59 | $786.48 | $1,572.95 |
| 48-Month CD | 3.115% | $155.77 | $311.54 | $778.85 | $1,557.70 |
| 60-Month CD | 3.210% | $160.51 | $321.01 | $802.53 | $1,605.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Bonners Ferry, 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 | 2.643% | $132.17 |
| 2 | 6-Month CD | $5,000 | 3.288% | $164.39 |
| 3 | 12-Month CD | $5,000 | 3.481% | $174.05 |
| 4 | 24-Month CD | $5,000 | 3.376% | $168.78 |
| 5 | 36-Month CD | $5,000 | 3.146% | $157.30 |
| Total ($25,000 invested) | $25,000 | 3.187% blended | $796.69/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.
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441
CD Rates
Tracked in Bonners Ferry, Idaho
Tracked in Bonners Ferry, Idaho
13 Banks
27 Credit Unions
About Our Bonners Ferry, Idaho CD Rate Database
MonitorBankRates tracks 441 CD rates from 13 banks and 27 credit unions with locations in Bonners Ferry, 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 to 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: Potlatch No 1 Financial Credit Union offers a CD at 4.20% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Bonners Ferry, Idaho.
How to Find the Best CD Rates in Bonners Ferry, Idaho
What to compare when shopping for a CD in Bonners Ferry, Idaho
To find the best APYs in Bonners Ferry, Idaho, start with credit unions and online-only banks: Bonners Ferry, Idaho has 27 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 Bonners Ferry, 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 Bonners Ferry, Idaho: 40 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Bonners Ferry, Idaho savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Bonners Ferry, Idaho money market rates
Bonners Ferry, Idaho Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
18.1%
National avg: 17.3%
Median Individual Earnings
$31,541
National avg: $47,340
Poverty Rate
13.4%
National avg: 11.1%
Unemployment Rate
0.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$110/yr
At ID 12-mo avg 3.481% APY
18.1% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 0.7% reflects a strong local economy. At today’s ID 12-month CD average of 3.481%, saving 10% of the local median salary ($3,154/year) and putting it in a CD would earn an additional $110 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 Bonners Ferry, 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 to 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 |
How Certificates of Deposit Work in Bonners Ferry, Idaho
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Bonners Ferry, Idaho typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Bonners Ferry, Idaho as everywhere in the U.S.
Choosing a CD Term in Bonners Ferry, Idaho
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Bonners Ferry, Idaho savers easier access to their funds. For example, Potlatch No 1 Financial Credit Union is offering its 6 Month Certificate Account at 3.70% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Potlatch No 1 Financial Credit Union is offering its 60 Month Certificate Account at 4.20% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Bonners Ferry, Idaho Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Bonners Ferry, Idaho saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Bonners Ferry, Idaho
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Bonners Ferry, Idaho CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Bonners Ferry, Idaho
Most CDs carry a fixed rate that is locked for the entire term, protecting a Bonners Ferry, Idaho depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Bonners Ferry, Idaho
Are CD rates in Bonners Ferry, Idaho FDIC insured?
Yes, most established banks in Bonners Ferry, Idaho are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Bonners Ferry, Idaho?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Bonners Ferry, Idaho.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Bonners Ferry, Idaho may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Bonners Ferry, Idaho?
Here are recent top rates found for this area:
- Potlatch No 1 Financial Credit Union: 4.20% APY (36 Month Certificate Account)
- Wells Fargo: 1.51% APY (Standard Fixed Rate CD 1 year - Relationship)
- Gesa Credit Union: 4.60% APY (IRA CD - 18 Months)
- Advantage Plus Federal Credit Union: 4.50% APY (60 Month Share Certificate)
- Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
- America First Federal Credit Union: 4.50% APY (60 Month Certificate Account)
- Goldenwest Federal Credit Union: 4.45% APY (24 Month Certificate)
- Horizon Credit Union: 4.38% APY (12 Month Certificate)
- Members Preferred Credit Union: 4.32% APY (36 Month Certificate of Deposit)
- The Bank of Commerce: 4.30% APY (Certificates of Deposit - 18 month)
Rates reflect recent verified offers available in Bonners Ferry, Idaho. Last Updated: October 23, 2026
Bonners Ferry, Idaho CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Bonners Ferry, Idaho rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Bonners Ferry, Idaho
Bonners Ferry, Idaho CD Calculator
At today’s ID top rate of 4.20% APY, a $10,000 deposit earns $420 in the first year. Enter your amount to see your exact return.
Bonners Ferry, Idaho CD LadderID CD rates currently range from 2.643% (3-month) to 3.146% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Bonners Ferry, Idaho CD at 4.20% APY, know your exit cost. Most institutions charge 90 to 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 3.481% 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
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bonners Ferry, Idaho CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Bonners Ferry, 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 sourcing data 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 Bonners Ferry, 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.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026
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