Coeur Dalene, Idaho Best CD Rates November 2026
Brian McKay
Brian McKay
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Coeur Dalene, Idaho CD rates from banks and credit unions serving Idaho range from 0.05% to 5.00% APY, verified by MonitorBankRates as of November 12, 2026. Current Coeur Dalene, Idaho CD rates include Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 9.78%Real return: +1.30%APY minus CPIRate verified Nov 8, 2026 offering 60 Month Certificate at 5.00% APY, America First Federal Credit UnionAmerica First Federal Credit UnionA5.0 ★Texas Ratio: 8.33%Real return: +0.90%APY minus CPIRate verified Nov 8, 2026 offering 60 Month Regular Certificate at 4.60% APY, Gesa Credit UnionGesa Credit UnionA5.0 ★Texas Ratio: 6.57%Real return: +0.90%APY minus CPIRate verified Nov 9, 2026 offering IRA CD 18 Months at 4.60% APY, Northwest BankNorthwest BankA5.0 ★Texas Ratio: 12.37%Real return: +0.80%APY minus CPIRate verified Nov 11, 2026 offering 12 Month Fixed Rate Certificate of Deposit at 4.50% APY, and Advantage Plus Federal Credit UnionAdvantage Plus Federal Credit UnionA+5.0 ★Texas Ratio: 3.01%Real return: +0.80%APY minus CPIRate verified Nov 12, 2026 offering 60 Month Share Certificate at 4.50% APY. CD rates as of November 12, 2026 according to verified data from MonitorBankRates.
Coeur Dalene is a smaller community with no bank or credit union branches currently in our database. 508 institutions serving the Idaho area are available to Coeur Dalene residents, with CD rates as high as 5.00% APY from Mountain America Federal Credit Union. 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: November 12, 2026
Compare Best CD Rates in Coeur Dalene, Idaho & the Surrounding Area
Coeur Dalene 3 Month CD Rates
Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 3.92%, APY 4.00%
$500.00 minimum
Balance: $99,999.01 or more; Payment Frequency: Maturity
Balance: $500 - $99,999; Payment Frequency: Maturity
Effective Date: 09/01/2026; APY requires minimum $95,000 of New-to-Tech CU money; one penalty-free withdrawal per calendar month
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
Effective 10/29/2026
Jumbo certificate; $100,000 minimum deposit to open; no minimum balance required to obtain the disclosed APY; rates accurate as of 11/1/2026
Shared schedule with IRA Certificates (footnote: $500 minimum for IRA Certificates); APY assumes dividends remain until maturity; early withdrawal penalties may apply
Effective Date: 09/01/2026
Consumer Certificates and IRA Certificates; Effective Date: 09/01/2026
Balance: $95,000 or more; Effective Date: 09/01/2026
Minimum deposit to open $500; Rates accurate as of 11/01/2026
Balance: $2,500 Minimum Opening Deposit
Balance: $100,000 minimum
Coeur Dalene 6 Month CD Rates
Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 4.16%, APY 4.25%
Promotional CD available only from October 6th-January 31st, 2027; new deposits only; $10,000 minimum deposit to open and earn the APY; automatically renews once at 3.65% (3.68% APY) for the same 6-month term; penalty may be imposed for early withdrawal
Balance: min. $100,000; Stated rate as of 11/01/26
All accounts require a minimum balance of $500 to earn APY; Rates as of 10/21/2026
$500.00 minimum
Compound frequency: Quarterly; Average Balance to Obtain APY: $500; Penalty for early withdrawal applies
Terms: See Terms
Balance: min. $50,000; Stated rate as of 11/01/26
Effective 10/29/2026
Minimum balance of $500 to earn APY; Rates as of 10/06/2026; IRA term certificate rates are set at date of purchase
- Oct 8, 20263.90%▲ from 3.60%
- Sep 14, 20263.60%first recorded
All accounts require a minimum balance of $500 to earn APY
Limited time offer; New money is required; Penalty for early withdrawal; Effective 04/27/26; Certain membership qualifications may apply
Balance: $99,999.01 or more; Payment Frequency: Maturity
Dividends Paid: Monthly
Balance: min. $500; Stated rate as of 11/01/26
Coeur Dalene 12 Month CD Rates
Certificate of Deposit - Personal & Business; Minimum opening deposit of $100; Interest rate 4.40%, APY 4.50%
Balance: min. $100,000; Stated rate as of 11/01/26
Balance: $1,000.00 Minimum Opening Deposit
Balance: $500.00 Minimum Opening Deposit
Balance: min. $50,000; Stated rate as of 11/01/26
Balance: min. $500; Stated rate as of 11/01/26
Dividend Term: Monthly; Penalty for early withdrawal applies
Effective 10/29/2026
- Oct 31, 20264.15%▲ from 4.11%
- Oct 21, 20264.11%▲ from 4.06%
- Sep 11, 20264.06%first recorded
Compound frequency: Quarterly; Average Balance to Obtain APY: $500; Penalty for early withdrawal applies
All accounts require a minimum balance of $500 to earn APY; Rates as of 10/21/2026
Terms: See Terms
Balance: $100,000 minimum; Bump Certificate; one-time rate increase during term
Dividend Term: Monthly; Penalty for early withdrawal applies
- Nov 9, 20264.07%▲ from 3.35%
- Oct 10, 20263.35%first recorded
- Oct 5, 20264.05%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Coeur Dalene 18 Month CD Rates
Balance: min. $100,000; Stated rate as of 11/01/26
Balance: min. $50,000; Stated rate as of 11/01/26
All certificates can be added onto, $200 minimum add on; substantial penalty for early withdrawal
- Oct 20, 20264.30%▲ from 2.75%
- Sep 9, 20262.75%first recorded
Individual Retirement accounts (IRAs) - deposits allowed; all rates APY*
- Oct 20, 20264.30%▲ from 2.75%
- Sep 9, 20262.75%first recorded
Balance: min. $500; Stated rate as of 11/01/26
Rates tiered based on deposit amount; Open Effective October 22, 2026; Minimum $500 deposit
All accounts require a minimum balance of $500 to earn APY; Rates as of 10/21/2026
Terms: See Terms
- Nov 9, 20264.18%▲ from 3.25%
- Oct 10, 20263.25%first recorded
- Oct 5, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
$500.00 minimum
Effective 10/29/2026
- Oct 31, 20264.10%▲ from 3.96%
- Oct 21, 20263.96%▲ from 3.90%
- Oct 11, 20263.90%▼ from 3.91%
- Sep 11, 20263.91%first recorded
Balance: $100,000 minimum
Fixed APY for certificate term; APY assumes dividends remain deposited until maturity
- Oct 19, 20264.10%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Minimum balance of $500 to earn APY; Rates as of 10/06/2026; IRA term certificate rates are set at date of purchase
- Oct 8, 20264.05%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Coeur Dalene 24 Month CD Rates
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
$500.00 minimum
Rates tiered based on deposit amount; Open Effective October 22, 2026; Minimum $500 deposit
Balance: min. $100,000; Stated rate as of 11/01/26
All accounts require a minimum balance of $500 to earn APY; Rates as of 10/21/2026
Terms: See Terms
- Oct 9, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Balance: $500 - $19,999; Traditional, Roth, SEP
- Nov 9, 20264.18%▲ from 3.25%
- Oct 10, 20263.25%first recorded
Balance: min. $50,000; Stated rate as of 11/01/26
Effective 10/29/2026
- Oct 31, 20264.10%▲ from 3.96%
- Oct 21, 20263.96%▲ from 3.66%
- Oct 11, 20263.66%▲ from 3.41%
- Sep 11, 20263.41%first recorded
Fixed APY for certificate term; APY assumes dividends remain deposited until maturity
- Oct 19, 20264.10%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Dividend Term: Monthly; Penalty for early withdrawal applies
Shared schedule with IRA Certificates (footnote: $500 minimum for IRA Certificates); APY assumes dividends remain until maturity; early withdrawal penalties may apply
Balance: min. $500; Stated rate as of 11/01/26
Effective Date: 09/01/2026
Coeur Dalene 36 Month CD Rates
Shared schedule with IRA Certificates (footnote: $500 minimum for IRA Certificates); APY assumes dividends remain until maturity; early withdrawal penalties may apply
- Nov 3, 20264.50%▲ from 3.50%
- Oct 19, 20263.50%first recorded
Rates tiered based on deposit amount; Open Effective October 22, 2026; Minimum $500 deposit
- Nov 9, 20264.39%▲ from 3.25%
- Oct 10, 20263.25%first recorded
$500.00 minimum
Pays quarterly
Share Certificates
Fixed APY for certificate term; APY assumes dividends remain deposited until maturity
- Oct 19, 20264.20%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Effective 10/29/2026
- Oct 31, 20264.10%▲ from 3.96%
- Oct 21, 20263.96%▲ from 3.55%
- Oct 11, 20263.55%▲ from 3.30%
- Sep 11, 20263.30%first recorded
Effective 10/29/2026
- Oct 31, 20263.95%▲ from 3.80%
- Oct 21, 20263.80%▲ from 3.40%
- Oct 11, 20263.40%▲ from 3.15%
- Sep 11, 20263.15%first recorded
Minimum balance of $500 to earn APY; Rates as of 10/06/2026; IRA term certificate rates are set at date of purchase
- Oct 8, 20263.85%▲ from 3.35%
- Sep 14, 20263.35%first recorded
All accounts require a minimum balance of $500 to earn APY; Rates as of 10/21/2026
All accounts require a minimum balance of $500 to earn APY
Balance: $99,999.01 or more; Payment Frequency: Annually
Compound frequency: Quarterly; Average Balance to Obtain APY: $500; Penalty for early withdrawal applies
Coeur Dalene 48 Month CD Rates
Share Certificates
Rates tiered based on deposit amount; Open Effective October 22, 2026; Minimum $500 deposit
- Nov 9, 20264.39%▲ from 3.30%
- Oct 10, 20263.30%first recorded
$500.00 minimum
Fixed APY for certificate term; APY assumes dividends remain deposited until maturity
- Oct 19, 20264.20%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Effective 10/29/2026
- Oct 31, 20264.00%▲ from 3.90%
- Oct 21, 20263.90%▲ from 3.50%
- Oct 11, 20263.50%▲ from 3.15%
- Sep 11, 20263.15%first recorded
Shared schedule with IRA Certificates (footnote: $500 minimum for IRA Certificates); APY assumes dividends remain until maturity; early withdrawal penalties may apply
- Nov 3, 20264.00%▲ from 3.50%
- Oct 19, 20263.50%first recorded
Jumbo certificate; $100,000 minimum deposit to open; no minimum balance required to obtain the disclosed APY; rates accurate as of 11/1/2026
- Nov 5, 20263.80%▲ from 3.76%
- Oct 14, 20263.76%first recorded
Compound frequency: Quarterly; Average Balance to Obtain APY: $500; Penalty for early withdrawal applies
Minimum balance of $500 to earn APY; Rates as of 10/06/2026; IRA term certificate rates are set at date of purchase
- Oct 8, 20263.75%▲ from 3.45%
- Sep 14, 20263.45%first recorded
All accounts require a minimum balance of $500 to earn APY; Rates as of 10/21/2026
All accounts require a minimum balance of $500 to earn APY
Balance: min. $100,000; Stated rate as of 11/01/26
Effective Date: 09/01/2026
Coeur Dalene 60 Month CD Rates
- Nov 8, 20265.00%▲ from 4.50%
- Oct 5, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Dividend Rate: 4.51%; Dividends credited monthly
- Oct 26, 20264.60%▲ from 4.50%
- Oct 19, 20264.50%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Dividend Rate: 4.51%; Min. Earning Balance: $500.00
- Oct 29, 20264.60%▲ from 4.50%
- Oct 13, 20264.50%first recorded
Share Certificates
Bump-rate certificate; rate may be increased once during term
- Nov 8, 20264.45%▲ from 4.35%
- Oct 13, 20264.35%first recorded
Bump-rate certificate account; Dividends credited monthly; Early-withdrawal penalties may apply
- Oct 26, 20264.45%▲ from 4.35%
- Oct 19, 20264.35%first recorded
$500.00 minimum
Rates tiered based on deposit amount; Open Effective October 22, 2026; Minimum $500 deposit
- Nov 9, 20264.39%▲ from 3.35%
- Oct 10, 20263.35%first recorded
Terms: See Terms
- Oct 9, 20264.30%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Fixed APY for certificate term; APY assumes dividends remain deposited until maturity
- Oct 19, 20264.20%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Shared schedule with IRA Certificates (footnote: $500 minimum for IRA Certificates); APY assumes dividends remain until maturity; early withdrawal penalties may apply
- Nov 3, 20264.00%▲ from 3.50%
- Oct 19, 20263.50%first recorded
Jumbo certificate; $100,000 minimum deposit to open; no minimum balance required to obtain the disclosed APY; rates accurate as of 11/1/2026
- Nov 5, 20263.86%▲ from 3.82%
- Oct 14, 20263.82%first recorded
Balance: $99,999.01 or more; Payment Frequency: Annually
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Coeur Dalene, ID CD Rate Trends
Compare local Coeur Dalene, 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.
Idaho 12-month CD rates rose 0.007 points over the past 7 days to 3.560% APY.
Idaho 6-month CD rates rose 0.003 points over the past 7 days to 3.374% APY.
ID CD Rate Forecast, Next 12 Months
Where are Idaho CD rates headed through November 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at ID CD Rates Today
Annual interest earnings at today’s Idaho average APYs. State average used where available; national average as fallback.
| CD Term | ID Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.553% | $127.65 | $255.30 | $638.25 | $1,276.50 |
| 6-Month CD | 3.374% | $168.69 | $337.38 | $843.45 | $1,686.90 |
| 12-Month CD | 3.560% | $178.00 | $356.00 | $890.00 | $1,780.00 |
| 18-Month CD | 3.555% | $177.73 | $355.45 | $888.63 | $1,777.25 |
| 24-Month CD | 3.420% | $170.99 | $341.98 | $854.95 | $1,709.90 |
| 36-Month CD | 3.192% | $159.60 | $319.19 | $797.98 | $1,595.95 |
| 48-Month CD | 3.150% | $157.49 | $314.98 | $787.45 | $1,574.90 |
| 60-Month CD | 3.232% | $161.61 | $323.21 | $808.03 | $1,616.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of November 12, 2026. | |||||
Sample CD Ladder for Coeur Dalene, 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 | 2.553% | $127.65 |
| 2 | 6-Month CD | $5,000 | 3.374% | $168.69 |
| 3 | 12-Month CD | $5,000 | 3.560% | $178.00 |
| 4 | 24-Month CD | $5,000 | 3.420% | $170.99 |
| 5 | 36-Month CD | $5,000 | 3.192% | $159.60 |
| Total ($25,000 invested) | $25,000 | 3.220% blended | $804.93/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.
Tracked in Coeur Dalene, Idaho
About Our Coeur Dalene, Idaho CD Rate Database
MonitorBankRates tracks 488 CD rates from 14 banks and 28 credit unions with locations in Coeur Dalene, 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: Mountain America Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Coeur Dalene, Idaho.
How to Find the Best CD Rates in Coeur Dalene, Idaho
What to compare when shopping for a CD in Coeur Dalene, Idaho
To find the best APYs in Coeur Dalene, Idaho, start with credit unions and online-only banks: Coeur Dalene, Idaho has 28 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 Coeur Dalene, 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 Coeur Dalene, Idaho: 42 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Coeur Dalene, 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 Coeur Dalene, Idaho money market rates
Idaho Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
17.0% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.7% reflects a strong local economy. At today’s ID 12-month CD average of 3.560%, saving 10% of the local median salary ($4,017/year) and putting it in a CD would earn an additional $143 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 Coeur Dalene, 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 |
CD Product Information
How CDs Work
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 Coeur Dalene, 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 Coeur Dalene, Idaho as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Coeur Dalene, Idaho savers easier access to their funds. For example, Northwest Bank is offering its 6 Month Fixed Rate Certificate of Deposit at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Mountain America Federal Credit Union is offering its 60 Month Certificate at 5.00% 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
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 Coeur Dalene, 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
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 Coeur Dalene, 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
Most CDs carry a fixed rate that is locked for the entire term, protecting a Coeur Dalene, 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 Coeur Dalene, Idaho
What are CD rates in Coeur Dalene, Idaho today?
Are CD rates in Coeur Dalene, Idaho FDIC insured?
Do I have to pay state taxes on CD interest in Coeur Dalene, Idaho?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Coeur Dalene, Idaho?
- Mountain America Federal Credit Union: 5.00% APY (60 Month Certificate)
- America First Federal Credit Union: 4.60% APY (60 Month Regular Certificate)
- Gesa Credit Union: 4.60% APY (IRA CD 18 Months)
- Northwest Bank: 4.50% APY (12 Month Fixed Rate Certificate of Deposit)
- Advantage Plus Federal Credit Union: 4.50% APY (60 Month Share Certificate)
- Numerica Credit Union: 4.50% APY (Certificate - 36 month)
- Goldenwest Federal Credit Union: 4.45% APY (24 Month Certificate)
- Westmark Credit Union: 4.40% APY (Term Certificate - 36 Months)
- Lewis Clark Credit Union: 4.39% APY (36 Month Certificate)
- Horizon Credit Union: 4.38% APY (12 Month Certificate)
Coeur Dalene, 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 Coeur Dalene, Idaho rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
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 Coeur Dalene, Idaho
At today’s ID top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Coeur Dalene, Idaho CD LadderID CD rates currently range from 2.553% (3-month) to 3.192% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Coeur Dalene, Idaho CD at 5.00% 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 3.560% 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 Coeur Dalene, 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 Coeur Dalene, 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 Coeur Dalene, 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.
Coeur Dalene, Idaho Rates & Resources
