CD Rates Idaho Falls, Idaho (ID) for April 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.
Current Idaho Falls, Idaho CD rates include Mountain America Federal Credit UnionMountain America Federal Credit Union525 W Sunnyside Rd, Idaho Falls, ID 83402 4641A5.0 ★Texas Ratio: 11.38% offering Youth certificate 60-month youth certificate at 4.09% APY, Lookout Federal Credit UnionLookout Federal Credit Union2255 E Sunnyside Rd, Idaho Falls, ID 83404A5.0 ★Texas Ratio: 9.01% offering 6-Month Certificate Special at 4.00% APY, Idaho Central Credit UnionIdaho Central Credit Union3330 S 15th E, Idaho Falls, ID 83404 8321A+5.0 ★Texas Ratio: 4.09% offering 18 Month Promo CD at 3.95% APY, Connections Credit UnionConnections Credit Union2265 E 25th ST, Idaho Falls, ID 83404 7543A5.0 ★Texas Ratio: 10.96% offering 1 Year CDs & IRA Certificates at 3.80% APY, and The Bank of CommerceThe Bank of Commerce375 Yellowstone Ave, Idaho Falls, ID 83402A+5.0 ★Texas Ratio: 1.34% offering Certificates of Deposit 12 month at 3.25% APY. CD rates as of April 2, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Idaho Falls, 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: April 2, 2026
Compare Best CD Rates in Idaho Falls, Idaho & the Surrounding Area
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%
3330 S 15th E, Idaho Falls, ID 83404 8321
3 Month Standard CD
$500
0.30%
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 2, 2026
Details
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—
UpdatedApr 2, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID 83815
3 month Certificates and IRA Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 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—
UpdatedApr 2, 2026
Details
$1,000.00 Minimum Balance
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
218 E Lakeside Ave, Coeur D Alene, ID 83814
Fixed Rate Certificates 3 Month
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
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%
2255 E Sunnyside Rd, Idaho Falls, ID 83404
6-Month Certificate Special
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 2, 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%
3330 S 15th E, Idaho Falls, ID 83404 8321
6 Month Promo CD
$500
3.85%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 2, 2026
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2265 E 25th ST, Idaho Falls, ID 83404 7543
6 Month Certificate of Deposit
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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—
UpdatedApr 2, 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—
UpdatedApr 2, 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—
UpdatedApr 2, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID 83815
6 month Certificates and IRA Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 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—
UpdatedApr 2, 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—
UpdatedApr 2, 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—
UpdatedApr 2, 2026
Details
$1,000.00 Minimum Balance
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
218 E Lakeside Ave, Coeur D Alene, ID 83814
Fixed Rate Certificates 6 Month
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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%
3330 S 15th E, Idaho Falls, ID 83404 8321
12 Month Promo CD
$500
3.90%
▼
Rate3.84%
Min Deposit$500
Min Balance—
UpdatedApr 2, 2026
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2265 E 25th ST, Idaho Falls, ID 83404 7543
1 Year CDs & IRA Certificates
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
375 Yellowstone Ave, Idaho Falls, ID 83402
Certificates of Deposit 12 month
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 2, 2026
Details
$500 minimum to open; All certificates can be added onto, $200 minimum add on.
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID 83815
12 month Certificates and IRA Certificates
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 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—
UpdatedApr 2, 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—
UpdatedApr 2, 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—
UpdatedApr 2, 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—
UpdatedApr 2, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Maturity
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
12 Month Consumer Certificates and IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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—
UpdatedApr 2, 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—
UpdatedApr 2, 2026
Details
$500
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—
UpdatedApr 2, 2026
Details
$1,000.00 Minimum Balance - Early Withdrawal 30 day Penalty
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
218 E Lakeside Ave, Coeur D Alene, ID 83814
Fixed Rate Certificates 12 Month
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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%
3330 S 15th E, Idaho Falls, ID 83404 8321
18 Month Promo CD
$500
3.95%
▼
Rate3.89%
Min Deposit$500
Min Balance—
UpdatedApr 2, 2026
Details
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.38%
525 W Sunnyside Rd, Idaho Falls, ID 83402 4641
Standard certificate 18-month certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2265 E 25th ST, Idaho Falls, ID 83404 7543
18 Month - One Jump CDs & IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
375 Yellowstone Ave, Idaho Falls, ID 83402
18 month IRA
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 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—
UpdatedApr 2, 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
18 Month Consumer Certificates and IRA Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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—
UpdatedApr 2, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Semiannually
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
Jumbo Certificates of Deposit - Personal & Business 18 Month Fixed Rate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
218 E Lakeside Ave, Coeur D Alene, ID 83814
Fixed Rate Certificates 18 Month
$0
2.28%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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%
3330 S 15th E, Idaho Falls, ID 83404 8321
24 Month Promo CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 2, 2026
Details
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2265 E 25th ST, Idaho Falls, ID 83404 7543
2 Year - One Jump CDs & IRA Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
375 Yellowstone Ave, Idaho Falls, ID 83402
24 month IRA
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
24 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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—
UpdatedApr 2, 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—
UpdatedApr 2, 2026
Details
$500
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
24 Month IRA CD
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedApr 2, 2026
Details
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—
UpdatedApr 2, 2026
Details
$500.00 Minimum Opening Deposit
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
Jumbo Certificates of Deposit - Personal & Business 24 Month Fixed Rate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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—
UpdatedApr 2, 2026
Details
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
218 E Lakeside Ave, Coeur D Alene, ID 83814
Fixed Rate Certificates 24 Month
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2265 E 25th ST, Idaho Falls, ID 83404 7543
3 Year -- One Jump CDs & IRA Certificates
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
375 Yellowstone Ave, Idaho Falls, ID 83402
36 month IRA
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3330 S 15th E, Idaho Falls, ID 83404 8321
3 Year Standard CD
$500
0.95%
▼
Rate0.95%
Min Deposit$500
Min Balance—
UpdatedApr 2, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
36 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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—
UpdatedApr 2, 2026
Details
$500
Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
36 Month IRA CD
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedApr 2, 2026
Details
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID 83815
36 month Certificates and IRA Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
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—
UpdatedApr 2, 2026
Details
$500.00 Minimum Opening Deposit
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—
UpdatedApr 2, 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—
UpdatedApr 2, 2026
Details
$1,000.00 Minimum Balance - Early Withdrawal 90 day Penalty
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
Jumbo Certificates of Deposit - Personal & Business 36 Month Fixed Rate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
218 E Lakeside Ave, Coeur D Alene, ID 83814
Fixed Rate Certificates 36 Month
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Connections Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.96%
2265 E 25th ST, Idaho Falls, ID 83404 7543
4 Year -- One Jump CDs & IRA Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3330 S 15th E, Idaho Falls, ID 83404 8321
4 Year Standard CD
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 2, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
48 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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—
UpdatedApr 2, 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—
UpdatedApr 2, 2026
Details
$500.00 Minimum Opening Deposit
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID 83815
48 month Certificates and IRA Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
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—
UpdatedApr 2, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
Jumbo Certificates of Deposit - Personal & Business 48 Month Fixed Rate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
218 E Lakeside Ave, Coeur D Alene, ID 83814
Fixed Rate Certificates 48 Month
$0
1.41%
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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%
525 W Sunnyside Rd, Idaho Falls, ID 83402 4641
Youth certificate 60-month youth certificate
$0
4.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
3330 S 15th E, Idaho Falls, ID 83404 8321
60 Month Promo CD
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 2, 2026
Details
Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
2255 E Sunnyside Rd, Idaho Falls, ID 83404
60 month IRA with .25% CD increase option
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1394 W Chinden Blvd, Meridian, ID 83646 5470
60 Month Consumer Certificates and IRA Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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—
UpdatedApr 2, 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—
UpdatedApr 2, 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—
UpdatedApr 2, 2026
Details
Daily Balance of $99,999.01 or more; Payment Frequency: Annually
Numerica Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
465 W Bosanko Ave, Coeur D Alene, ID 83815
60 month Certificates and IRA Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Northwest Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1750 W Front St, Boise, ID 83702
Jumbo Certificates of Deposit - Personal & Business 60 Month Fixed Rate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Washington Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
218 E Lakeside Ave, Coeur D Alene, ID 83814
Fixed Rate Certificates 60 Month
$0
1.31%
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Frequently Asked Questions about CD Rates in Idaho Falls, Idaho
Are CD rates in Idaho Falls, Idaho FDIC insured?
Yes, most established banks in Idaho Falls, 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 Idaho Falls, 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 Idaho Falls, 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 Idaho Falls, 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 Idaho Falls, 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)
- Connections Credit Union: 3.80% APY (1 Year CDs & IRA Certificates)
- The Bank of Commerce: 3.25% APY (Certificates of Deposit 12 month)
- Numerica Credit Union: 4.00% APY (12 month Certificates and IRA Certificates)
- Clarity Credit Union: 3.85% APY (1 Year Share Certificates)
- Farmers Bank Buhl, ID: 3.80% APY (6 Month CD (including Accumulator))
- Technology Credit Union: 3.75% APY (60 Month Consumer Certificates and IRA Certificates)
- CUTTING EDGE: 3.75% APY (6 Month Certificate)
Rates reflect recent verified offers available in Idaho Falls, Idaho. Last Updated: April 2, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Idaho Falls, Idaho directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Idaho Falls, 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: April 2, 2026
