CD Rates Declo, Idaho (ID) for March 2026
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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.
Current Declo, Idaho CD rates include Mountain America Federal Credit UnionMountain America Federal Credit Union3511 S 25th E, Ammon, ID 83406 6101A5.0 ★Texas Ratio: 11.38% offering Youth certificate 60-month youth certificate at 4.09% APY, Lookout Federal Credit UnionLookout Federal Credit Union707 S 9th Ave, Pocatello, ID 83209A5.0 ★Texas Ratio: 9.01% offering 6-Month Certificate Special at 4.00% APY, Idaho Central Credit UnionIdaho Central Credit Union4400 Central Way, Chubbuck, ID 83202A+5.0 ★Texas Ratio: 4.09% offering 18 Month Promo CD at 3.95% APY, Clarity Credit UnionClarity Credit Union1822 N Midland Blvd, Nampa, ID 83651A5.0 ★Texas Ratio: 9.81% offering 1 Year Share Certificates at 3.85% APY, and Farmers Bank Buhl, IDFarmers Bank Buhl, ID914 Main St, Buhl, ID 83316A-5.0 ★Texas Ratio: 15.15% offering 12 Month Accumulator IRA at 3.80% APY. CD rates as of March 28, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Declo, Idaho, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 28, 2026
Compare Best CD Rates in Declo, Idaho & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
3 Month (91 Day) CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balance of $99,999.01 or more
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 3 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
3 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$1,000.00 Minimum Balance
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
3 Month Standard CD
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
707 S 9th Ave, Pocatello, ID 83209
6-Month Certificate Special
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Limited time offer. We reserve the right to modify or conclude promotion at any time. Rates subject to change without notice. Other terms and rates available. $500 minimum opening deposit. New money is required. Penalty for early withdrawal. Offer not available with any other rate increases or promotional rates. Certain membership qualifications may apply.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
6 Month Promo CD
$500
3.85%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
6 Month CD (including Accumulator)
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID 83501 3559
6 Month Certificate
$100
3.75%
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID 83201 5720
6 Month Certificate of Deposit
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
6 Month (182 Day) CD
$0
3.58%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balance of $99,999.01 or more
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 6 Month
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Ireland Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
33 Bannock St, Malad City, ID 83252
6 Month CDs
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID 83655
6 Month Certificates or More
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$500
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
6 Month Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$1,000.00 Minimum Balance
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
12 Month Promo CD
$500
3.90%
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Clarity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
1822 N Midland Blvd, Nampa, ID 83651
1 Year Share Certificates
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
12 Month Accumulator IRA
$500
3.80%
▼
Rate3.74%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID 83501 3559
12 Month Certificate
$100
3.75%
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
12 Month IRA
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
$500.00 Minimum Opening Deposit; With .25% Bonus*
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
1 year (12 Month) CD
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balance of $99,999.01 or more
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 12 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Northwest Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.47%
716 E COLORADO AVE, NAMPA, ID 83686
12 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
As high as
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID 83655
12 Month Certificates or More
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$500
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
Certificates of Deposit 12 month
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
$500 minimum to open; All certificates can be added onto, $200 minimum add on.
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
1 Year Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$1,000.00 Minimum Balance - Early Withdrawal 30 day Penalty
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1864 Blue Lakes Blvd N, Twin Falls, ID 83301
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
18 Month Promo CD
$500
3.95%
▼
Rate3.89%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
3511 S 25th E, Ammon, ID 83406 6101
Standard certificate 18-month certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID 83201 5720
18 Month - One Jump CDs & IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID 83647
18 Month Fixed Rate Term Certificates
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
All accounts require a minimum balance of $500 to earn APY*
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
18 Month CD
$0
3.33%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balance of $99,999.01 or more
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
18 month IRA
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
24 Month Promo CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 24 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID 83201 5720
2 Year - One Jump CDs & IRA Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID 83501 3559
24 Month Certificate
$100
3.50%
▼
Rate3.46%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID 83655
24 Month Certificates or More
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$500
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
2 Year (24 Month) CD
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balance of $99,999.01 or more
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
24 Month IRA
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
$500.00 Minimum Opening Deposit
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
24 Month CD
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
2 Year Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
24 month IRA
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 36 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID 83655
36 Month Certificates or More
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$500
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID 83201 5720
3 Year -- One Jump CDs & IRA Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
3 Year (36 Month) CD
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balance of $99,999.01 or more
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
36 Month IRA
$500
3.19%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
$500.00 Minimum Opening Deposit
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
36 Month CD
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
CUTTING EDGE
Institution Rating:
B+4.8 ★Texas Ratio: 17.24%
2200 1st St, Lewiston, ID 83501 3559
36 Month Certificate
$100
3.00%
▼
Rate2.97%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
Silverado Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1350 N Kings Rd, Nampa, ID 83687 3193
3 Year Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
36 month IRA
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
3 Year Standard CD
$500
0.95%
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID 83201 5720
4 Year -- One Jump CDs & IRA Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID 83655
48 Month Certificates or More
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$500
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
48 Month IRA
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
$500.00 Minimum Opening Deposit
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
48 Month CD
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
48 month IRA
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
3511 S 25th E, Ammon, ID 83406 6101
Youth certificate 60-month youth certificate
$0
4.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
Business Certificates 60 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
1150 N 8th Ave, Pocatello, ID 83201 5720
5 Year -- One Jump CDs & IRA Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rogue Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
216 N Plymouth Ave, New Plymouth, ID 83655
60 Month Certificates or More
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$500
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
60 Month IRA
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
$500.00 Minimum Opening Deposit
Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
5 Year (60 Month) CD
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Daily Balance of $99,999.01 or more
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
707 S 9th Ave, Pocatello, ID 83209
60 month IRA with .25% CD increase option
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
5 Year Standard CD
$500
1.10%
▼
Rate1.10%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Declo, ID CD Rate Trends
Compare local Declo, ID CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — ID Avg
2.811%
▲ 0.261 from last week
Idaho 12-month CD rates rose 0.261 points this week to 2.811% APY, up from 2.550% last week.
6-Month CD — ID Avg
2.306%
▼ 0.121 from last week
Idaho 6-month CD rates fell 0.121 points this week to 2.306% APY, down from 2.427% last week.
As of Mar 28, 2026 • Rate data sourced from 8,500+ monitored institutions
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Frequently Asked Questions about CD Rates in Declo, Idaho
Are CD rates in Declo, Idaho FDIC insured?
Yes, most established banks in Declo, 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 Declo, 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 Declo, 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 Declo, 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 Declo, Idaho?
Here are recent top rates found for this area:
- Mountain America Federal Credit Union: 4.09% APY (Youth certificate 60-month youth certificate)
- Lookout Federal Credit Union: 4.00% APY (6-Month Certificate Special)
- Idaho Central Credit Union: 3.95% APY (18 Month Promo CD)
- Clarity Credit Union: 3.85% APY (1 Year Share Certificates)
- Farmers Bank Buhl, ID: 3.80% APY (12 Month Accumulator IRA)
- Technology Credit Union: 3.75% APY (Business Certificates 24 Month)
- CUTTING EDGE: 3.75% APY (12 Month Certificate)
- Connections Credit Union: 3.75% APY (18 Month - One Jump CDs & IRA Certificates)
- Pioneer Federal Credit Union: 3.70% APY (18 Month Fixed Rate Term Certificates)
- Horizon Credit Union: 3.66% APY (12 Month IRA)
Rates reflect recent verified offers available in Declo, Idaho. Last Updated: March 28, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Declo, Idaho directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Declo, 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: March 28, 2026
