Best Money Market Rates in Idaho - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Idaho money market deposit account rates include Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit Union654 SOUTHWAY AVE, LEWISTON, ID 83501A+5.0 ★Texas Ratio: 4.06%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Account at 4.00% APY, CAPITAL EDUCATORSCAPITAL EDUCATORS12195 W McMillan Rd, Boise, ID 83713 2475A5.0 ★Texas Ratio: 10.63%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Money Market Savings Account at 4.00% APY, America First Federal Credit UnionAmerica First Federal Credit Union11292 W Fairview Ave, Boise, ID 83713A5.0 ★Texas Ratio: 7.26%Real return: +1.10%APY minus 2.8% CPI (February 2026) Money Market at 3.90% APY, Goldenwest Federal Credit UnionGoldenwest Federal Credit Union855 University Blvd, Rexburg, ID 83440A+5.0 ★Texas Ratio: 1.97%Real return: +0.85%APY minus 2.8% CPI (February 2026) Insured Money Market Account at 3.65% APY, and Mountain America Federal Credit UnionMountain America Federal Credit Union3511 S 25th E, Ammon, ID 83406 6101A5.0 ★Texas Ratio: 10.12%Real return: +0.75%APY minus 2.8% CPI (February 2026) Business Money market at 3.55% APY. Money market rates as of August 28, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Idaho side-by-side. Idaho money market rates currently reach as high as 4.00% APY from Potlatch No 1 Financial Credit Union at 654 SOUTHWAY AVE, LEWISTON, ID 83501. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Idaho and surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Money Market Rates Today in Idaho
Qualifications Required: Enrollment in eStatements; A minimum of 20 posted debit card transactions per month (ATM transactions excluded); A monthly direct deposit of over $250; To qualify for the Money Market Account Qualifying Bump Rate, you must have an Ascend Checking account linked to the Money Market account, and you must meet the Ascend Checking account dividend qualifications each month. The three-monthly dividend qualifications for the Ascend Checking account are: 1) Enrollment in eStatements 2) A minimum of 20 posted debit card transactions per month (ATM transactions excluded) and 3) A monthly direct deposit of over $250. If the Ascend Checking dividend qualifications are not met, the Money Market will default to the standard Money Market Account Non-Qualifying Rate.
$1,000,000 +; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 8/25/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Ascend Money Market rate bump
$250,000 - $999,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 8/25/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Equal to or greater than $2,500,000.00
Elite Money Market Savings*
APY may vary based on location. Interest rates and APY may change.
APY effective 07/01/2026. Rate is variable and balance tiers may change after account is opened. STCU membership is required to open account and fees may reduce earnings. STCU allows up to six (6) pre-authorized, automatic, or remote (such as online and mobile banking) transfers to another account, including other accounts you own, per calendar month. A $5 "excess item fee" may be charged for the first three items above that limit, and $15 for each additional item after that. See transaction limits.
Equal to or greater than $1,000,000.00 but less than $2,500,000.00
$100,000 - $249,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 8/25/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Equal to or greater than $500,000.00 but less than $1,000,000.00
Asterisk denotes footnote
Rates effective as of 10/1/2022
Tier 5- Your daily balance in tier 5 ($150,000.00 or more) will earn an interest rate of 2.00% with a 2.02% APY.
Asterisk denotes footnote
$50,000 - $99,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 8/25/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Asterisk denotes footnote
Equal to or greater than $250,000.00 but less than $500,000.00
Rates effective as of 10/1/2022
Tier 4- Your daily balance in tier 4 ($100,000.00 up to $149,999.99) will earn an interest rate of 1.50% with a 1.51% APY.
Asterisk denotes footnote
$25,000 - $49,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 8/25/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Premier Money Market Savings*
Premier Money Market Savings*
Premier Money Market Savings*
Premier Money Market Savings*
Premier Money Market Savings*
Equal to or greater than $100,000.00 but less than $250,000.00
Maximum $100,000 deposit per client.
Equal to or greater than $50,000.00 but less than $100,000.00
Maximum $100,000 deposit per client.
Equal to or greater than $25,000.00 but less than $50,000.00
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Idaho Money Market Rate Trends
Compare local Idaho money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Idaho high-yield MMA rates fell 0.006 points over the past 7 days to 3.046% APY.
Idaho standard MMA rates fell 0.186 points over the past 7 days to 0.824% APY.
Idaho Money Market Rate Forecast — Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current ID high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current ID high-yield money market average of 3.046% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; money market institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online money market rates tend to adjust faster than standard branch-based MMA rates, and jumbo-tier rates often adjust first.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Idaho.
Money Market Account Earnings in Idaho
Annual interest earnings at current ID average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.046% APY) | Monthly Earnings | Standard MMA (0.824% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $304.63 / year | $25.39 | $82.41 / year | $6.87 |
| $25,000 | $761.58 / year | $63.47 | $206.03 / year | $17.17 |
| $50,000 | $1,523.15 / year | $126.93 | $412.05 / year | $34.34 |
| $100,000 | $3,046.30 / year | $253.86 | $824.10 / year | $68.68 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Idaho money market rate averages as of August 29, 2026. | ||||
About Our Idaho Money Market Rate Database
MonitorBankRates tracks 23 money market rates from 7 banks and 16 credit unions offering money market deposit accounts to Idaho residents — including community institutions, regional banks, and national online options. 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 (1–5), 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: CAPITAL EDUCATORS offers a money market account at 4.00% APY. Use the rate table above to compare all current offers in Idaho.
How to Find the Best Money Market Rates in Idaho
What to compare when shopping for a money market account in Idaho
To find the best money market APYs in Idaho, start with credit unions and online-only banks — Idaho has 16 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers — many money market accounts only pay their advertised top rate above a minimum balance of $1,000–$25,000, with lower rates (or monthly fees) below that threshold. The current ID high-yield money market average is 3.046% — but top local institutions are offering as high as 4.00%, so shopping around pays off.
Unlike a CD, money market rates are variable — your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Idaho high-yield money market rates currently average 3.046% APY — far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Idaho institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 23 institutions in Idaho report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → Idaho CD rates
- You don’t need check writing and want a lower minimum → Idaho savings rates
- You need daily transaction access → Idaho checking rates
Idaho Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
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 with solid savings capacity. At today’s ID high-yield money market average of 3.046%, saving 10% of the local median salary ($4,017/year) would earn an additional $122 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Idaho Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Idaho.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current ID Avg APY | 3.046% | View Savings Rates | 0.824%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 – $2,500 | $0 – $100 | $25 – $100 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | None — locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Idaho averages tracked in our database as of August 29, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Idaho Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame — or click any current Idaho rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Idaho
At ID’s top money market rate of 4.00% from CAPITAL EDUCATORS, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Idaho earner is roughly $10,000. At 3.046% APY in a money market account, saving $840/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountIdaho’s high-yield money market average is 3.046% APY — variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Idaho earner makes $40,170/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 3.046% APY.
Retirement PlannerA $25,000 money market balance earning 3.046% APY grows to roughly $45,560 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Idaho money market 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 Money Market Rate Data: We aggregate money market deposit account rates for Idaho directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed 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. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in ID.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Idaho
What is a Money Market Account (MMA)?
Are Money Market accounts in Idaho safe?
How often do MMA rates change in Idaho?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Idaho?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Idaho for money market accounts?
Best Money Market Rates in Idaho
- Potlatch No 1 Financial Credit Union
Money Market Account — 4.00% APY - CAPITAL EDUCATORS
Business Money Market Savings Account — 4.00% APY - America First Federal Credit Union
Money Market — 3.90% APY - Goldenwest Federal Credit Union
Insured Money Market Account — 3.65% APY - Mountain America Federal Credit Union
Business Money market — 3.55% APY
Cities in Idaho
