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Best Banks & Checking Accounts in Boise, Idaho - March 2026

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| i Editorial Disclosure
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.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: March 21, 2026

The best checking rates for Boise, Idaho include Connections Credit UnionConnections Credit Union249 N 9th St, Boise, ID 83702 5710A5.0 ★Texas Ratio: 10.96% Kasasa Cash Checking at 3.00% APY, CAPITAL EDUCATORSCAPITAL EDUCATORS12195 W McMillan Rd, Boise, ID 83713 2475A5.0 ★Texas Ratio: 7.10% High Yield Checking at 1.00% APY, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union355 S 3rd St, Boise, ID 83702 7689A+5.0 ★Texas Ratio: 2.10% 1 Month (with checking account) at 0.15% APY, Westmark Credit UnionWestmark Credit Union871 E Parkcenter Blvd, Boise, ID 83706A+5.0 ★Texas Ratio: 2.97% Premium Checking at 0.10% APY, and America First Federal Credit UnionAmerica First Federal Credit Union11292 W Fairview Ave, Boise, ID 83713A5.0 ★Texas Ratio: 8.12% Premium Checking at 0.10% APY.

Looking for the best checking accounts in Boise, Idaho? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Boise, Idaho, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Boise, Idaho. Checking Account Rates Last Updated and Verified: March 21, 2026

Boise, ID Checking Rate Trends

Compare local Boise, ID checking rate quotes against the statewide average

Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Idaho Checking Trends →
High-Yield Checking — ID Avg
0.466%
▲ 0.328 from last week

Idaho high-yield checking rates rose 0.328 points this week to 0.466% APY, up from 0.138% last week.

Rewards Checking — ID Avg
2.353%
▲ 0.909 from last week

Idaho rewards checking rates rose 0.909 points this week to 2.353% APY, up from 1.444% last week.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Boise, Idaho & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.96%
249 N 9th St
Boise, ID 83702 5710
Kasasa Cash Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $25,000.00

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
12195 W McMillan Rd
Boise, ID 83713 2475
High Yield Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $10,000.00

Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
355 S 3rd St
Boise, ID 83702 7689
1 Month (with checking account)
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Westmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
871 E Parkcenter Blvd
Boise, ID 83706
Premium Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.96%
249 N 9th St
Boise, ID 83702 5710
Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
11292 W Fairview Ave
Boise, ID 83713
Premium Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
12195 W McMillan Rd
Boise, ID 83713 2475
Idaho MSA Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
12195 W McMillan Rd
Boise, ID 83713 2475
Representative Payee Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
5918 W State St
Boise, ID 83703
WOW Cash Back Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
5918 W State St
Boise, ID 83703
Classic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.96%
249 N 9th St
Boise, ID 83702 5710
Connected Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.96%
249 N 9th St
Boise, ID 83702 5710
Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
383 Shoshone St N
Twin Falls, ID 83301
5 - Month Rate w/ Checking
3.66%
$0
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Checking Required

First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
383 Shoshone St N
Twin Falls, ID 83301
5-Month Rate w/ Checking
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Checking Required

First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
383 Shoshone St N
Twin Falls, ID 83301
5 - Month Rate w/o Checking
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No Checking Required

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
216 N Plymouth Ave
New Plymouth, ID 83655
MyRewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
383 Shoshone St N
Twin Falls, ID 83301
5-Month Rate w/o Checking
2.95%
$0
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No Checking Required

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
172 S Academy Ave
Eagle, ID 83616
America's Best Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
172 S Academy Ave
Eagle, ID 83616
America's Best Premier Interest Checking*
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★ Texas Ratio: 15.15%
914 Main St
Buhl, ID 83316
Now Checking
0.06%
$0
View
▼
Rate0.06%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.96%
249 N 9th St
Boise, ID 83702 5710
Kasasa Cash Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $25,000.00

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
12195 W McMillan Rd
Boise, ID 83713 2475
High Yield Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $10,000.00

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
11292 W Fairview Ave
Boise, ID 83713
Premium Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Westmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
871 E Parkcenter Blvd
Boise, ID 83706
Premium Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
383 Shoshone St N
Twin Falls, ID 83301
5 - Month Rate w/ Checking
3.66%
$0
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Checking Required

First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
383 Shoshone St N
Twin Falls, ID 83301
5-Month Rate w/ Checking
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Checking Required

First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
383 Shoshone St N
Twin Falls, ID 83301
5 - Month Rate w/o Checking
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No Checking Required

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
216 N Plymouth Ave
New Plymouth, ID 83655
MyRewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
383 Shoshone St N
Twin Falls, ID 83301
5-Month Rate w/o Checking
2.95%
$0
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No Checking Required

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
172 S Academy Ave
Eagle, ID 83616
America's Best Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
172 S Academy Ave
Eagle, ID 83616
America's Best Premier Interest Checking*
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Silverado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.68%
1350 N Kings Rd
Nampa, ID 83687 3193
Silver Plus Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

$2,500.00 and Over Average Daily Balance/Dividend Paid Monthly

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.96%
249 N 9th St
Boise, ID 83702 5710
Kasasa Cash Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $25,000.00

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
5918 W State St
Boise, ID 83703
WOW Cash Back Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
216 N Plymouth Ave
New Plymouth, ID 83655
MyRewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
465 W Bosanko Ave
Coeur D Alene, ID 83815
FREE CHECKING
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Lookout Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
707 S 9th Ave
Pocatello, ID 83209
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

No Student accounts found at this time.
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
10440 W Ustick Rd
Boise, ID 83704 5268
Business growth checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$20,000 +

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
10440 W Ustick Rd
Boise, ID 83704 5268
Business analysis checking earnings credit
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$20,000 +

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
10440 W Ustick Rd
Boise, ID 83704 5268
Business growth checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$1,000 to $19,999

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
12195 W McMillan Rd
Boise, ID 83713 2475
Commercial Business Checking Account
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
12195 W McMillan Rd
Boise, ID 83713 2475
Commercial Business Checking Account
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
12195 W McMillan Rd
Boise, ID 83713 2475
Commercial Business Checking Account
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
12195 W McMillan Rd
Boise, ID 83713 2475
Commercial Business Checking Account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
10440 W Ustick Rd
Boise, ID 83704 5268
Business analysis checking earnings credit
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

under $20,000

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
12195 W McMillan Rd
Boise, ID 83713 2475
Commercial Business Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★ Texas Ratio: 7.10%
12195 W McMillan Rd
Boise, ID 83713 2475
Basic Business Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr
Idaho Falls, ID 83402 1506
Business Checking Plus
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
654 SOUTHWAY AVE
LEWISTON, ID 83501
Premium Business Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
654 SOUTHWAY AVE
LEWISTON, ID 83501
Business Non-Profit Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
654 SOUTHWAY AVE
LEWISTON, ID 83501
Premium Business Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
172 S Academy Ave
Eagle, ID 83616
Business Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
172 S Academy Ave
Eagle, ID 83616
Premier Business Interest Checking*
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr
Idaho Falls, ID 83402 1506
Business Checking Plus
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
654 SOUTHWAY AVE
LEWISTON, ID 83501
Premium Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Frontier Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
1170 Science Center Dr
Idaho Falls, ID 83402 1506
Business Checking Plus
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Boise, Idaho directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Boise, Idaho. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in ID.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Boise, Idaho earn interest?

Most traditional local checking accounts in Boise, Idaho earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Boise, Idaho FDIC insured?

Yes. Legitimate banks with branches in Boise, Idaho are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Boise, Idaho

Based on our current data, some of the highest checking account APYs available to residents of Boise, Idaho include:
  • Connections Credit Union
    Kasasa Cash Checking — 3.00% APY
  • CAPITAL EDUCATORS
    High Yield Checking — 1.00% APY
  • Goldenwest Federal Credit Union
    1 Month (with checking account) — 0.15% APY
  • Westmark Credit Union
    Premium Checking — 0.10% APY
  • America First Federal Credit Union
    Premium Checking — 0.10% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Boise, Idaho. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 21, 2026

Boise, Idaho Rates & Resources

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