Caldwell, Idaho Money Market Rates - October 2026
Brian McKay
Brian McKay
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Caldwell, Idaho money market account rates range from 0.01% to 4.51% APY, verified by MonitorBankRates as of October 14, 2026. Current Caldwell, Idaho and the surrounding area money market deposit account rates include CAPITAL EDUCATORSCAPITAL EDUCATORS2613 Cleveland Blvd, Caldwell, ID 83605A5.0 ★Texas Ratio: 8.45%Real return: +0.69%APY minus 2.8% CPI (February 2026) Business Money Market Account at 3.49% APY, US BankUS Bank607 Cleveland Blvd, Caldwell, ID 83605A+5.0 ★Texas Ratio: 2.85%Real return: +0.60%APY minus 2.8% CPI (February 2026) Elite Money Market Account at 3.40% APY, Rogue Credit UnionRogue Credit Union5213 Cleveland Blvd, Caldwell, ID 83607 8005A+5.0 ★Texas Ratio: 5.02%Real return: +0.20%APY minus 2.8% CPI (February 2026) MyMoney Market at 3.00% APY, WaFd BankWaFd Bank515 Cleveland Blvd, Caldwell, ID 83605A+5.0 ★Texas Ratio: 4.48%Real return: -0.80%APY minus 2.8% CPI (February 2026) High Yield Money Market at 2.00% APY, and Idaho Central Credit UnionIdaho Central Credit Union4821 Cleveland Blvd, Caldwell, ID 83605A+5.0 ★Texas Ratio: 4.55%Real return: -1.80%APY minus 2.8% CPI (February 2026) Money Market Savings at 1.00% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Caldwell has 6 local institutions in our database, with money market rates as high as 3.49% APY from CAPITAL EDUCATORS at 2613 Cleveland Blvd, Caldwell, ID 83605. Use the table below to compare all available offers, including options from institutions serving the broader Idaho area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Caldwell, Idaho and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Caldwell, Idaho & the Surrounding Area
Balance: $1,000,000+
Balance: $25,000 - $49,999.99
Balance: $250,000 - $999,999.99
Balance: $250,000+
Balance: $50,000 - $249,999.99
Balance: $500,000 +. $1,000 minimum to avoid $10 monthly service charge
Balance: $75,000 - 249,999.99
Balance: $25,000 - $49,999.99
Balance: $50,000 - 74,999.99
Balance: $250,000 - $499,999. $1,000 minimum to avoid $10 monthly service charge
Balance: $90,000 - $249,999. $1,000 minimum to avoid $10 monthly service charge
Balance: $2,500 - $24,999.99
Balance: $25,000 - 49,999.99
Balance: $2,500 - $24,999.99
Balance: 100,000+
Balance: $1,000 - $14,999; Maximum $100,000 deposit per client.
Balance: 50,000-99,999
Balance: 25,000-49,999
Balance: 2,500-24,999
Balance: $15,000 +. $1,000 minimum to earn interest and avoid $10 monthly service charge.
Balance: $1,000 - $14,999. $1,000 minimum to earn interest and avoid $10 monthly service charge.
Balance: $0.00 - $2,499.99; 6-month bonus rate; Offer Code VRMA0926; Apply online or contact KeyBank by 11/4/2026; Requires $5,000 balance growth; Bring at least $5,000 to Key
Balance: $0.00 - $2,499.99; 6-month bonus rate; Bring at least $25,000 to Key; Offer Code VRMB0926; Apply online with this code or contact us to apply to existing account by 11/4/2026; Rate may vary by booking location; Standard or relationship rates apply after bonus period
Standard interest rate tier. APYs may vary by location. Restrictions apply.
- Oct 7, 20260.05%▼ from 3.40%
- Oct 4, 20263.40%first recorded
Balance: $0 - $9,999.99
Balance: $0.01 to $20,000.00
- Oct 7, 20264.51%▲ from 3.04%
- Sep 19, 20263.04%first recorded
Balance: $1,000,000 and over
- Oct 9, 20263.90%▲ from 2.70%
- Sep 29, 20262.70%first recorded
Balance: $1,000,000.00+; Open Online
- Oct 13, 20263.90%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Balance: $1,000,000 and over
- Oct 5, 20263.60%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Balance: $500,000.00 and over; Qualifying Bump Rate
Balance: $250,000 - $999,999.99
- Oct 9, 20263.45%▲ from 2.70%
- Sep 29, 20262.70%first recorded
Balance: $250,000.00-$999,999.99; Open Online
- Oct 13, 20263.45%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Balance: $250,000.00 - $499,999.99; Qualifying Bump Rate
Balance: $500,000 and above
Balance: $100,000.00 - $249,999.99; Qualifying Bump Rate
Balance: $250,000 - $999,999
- Oct 5, 20263.25%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Balance: Equal to or greater than $2,500,000.00
Balance: Equal to or greater than $2,500,000.00
Balance: $25,000.00 to $99,999.99
As High As; APY effective 07/01/2026; No minimum balance required to earn the APY; Automatic rate hikes at higher balance tiers
Balance: $250,000 to $499,999.99
Balance: $100,000 - $249,999.99
Balance: $100,000.00-$249,999.99; Open Online
- Oct 13, 20262.70%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Balance: Equal to or greater than $1,000,000.00 but less than $2,500,000.00
Balance: Equal to or greater than $1,000,000.00 but less than $2,500,000.00
Balance: $25,000.00 - $99,999.99; Qualifying Bump Rate
Balance: $100,000 to $249,999.99
Balance: $500,000 and above
Balance: $500.00 - $24,999.99; Qualifying Bump Rate
Balance: $100,000 - $249,999
- Oct 5, 20262.45%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Balance: $10,000 to $99,999.99
Balance: $50,000.00 and over
- Sep 24, 20262.12%▲ from 2.02%
- Sep 9, 20262.02%first recorded
Balance: Equal to or greater than $500,000.00 but less than $1,000,000.00
Balance: Equal to or greater than $500,000.00 but less than $1,000,000.00
Balance: $50,000 - $99,999.99
Balance: $50,000.00-$99,999.99; Open Online
- Oct 13, 20262.05%▲ from 1.00%
- Sep 14, 20261.00%first recorded
Balance: $1,000,000.00 and above; Effective Date: 09/01/2026; Rate boost of 0.10% with a Business Interest Checking Account and balance greater than $50,000.00
Balance: $1,000,000.00 and above; Footnote: rate boost of 0.10% with Tech CU Checking Account and direct deposit of minimum net pay of $100 (balances $50,000 and up)
Balance: $50,000 - $99,999
- Oct 5, 20262.00%▲ from 1.90%
- Sep 14, 20261.90%first recorded
Share Deposits; effective October 1, 2026
Balance: $500,000.00 - $999,999.99; Effective Date: 09/01/2026; Rate boost of 0.10% with a Business Interest Checking Account and balance greater than $50,000.00
Balance: $500,000.00 - $999,999.99; Footnote: rate boost of 0.10% with Tech CU Checking Account and direct deposit of minimum net pay of $100 (balances $50,000 and up)
Balance: $300,000.00 - $499,999.99; Effective Date: 09/01/2026; Rate boost of 0.10% with a Business Interest Checking Account and balance greater than $50,000.00
Balance: $300,000.00 - $499,999.99; Footnote: rate boost of 0.10% with Tech CU Checking Account and direct deposit of minimum net pay of $100 (balances $50,000 and up)
Balance: $25,000 - $49,999.99
Balance: $25,000.00-$49,999.99; Open Online
- Oct 13, 20261.80%▲ from 1.00%
- Sep 14, 20261.00%first recorded
- Sep 19, 20261.79%▼ from 1.80%
- Sep 8, 20261.80%first recorded
Balance: $250,000 - $499,999
Balance: Equal to or greater than $250,000.00 but less than $500,000.00
Balance: Equal to or greater than $250,000.00 but less than $500,000.00
Balance: $100,000 and above
Balance: $350,000 and up; Dividend Rate Declared Last Month; Rates Subject to Change
Balance: $100,000 - $249,999
Balance: $500,000.00 to $999,999.99
Balance: $500,000.00 to $999,999.99
Balance: $.01 - $99,999
Balance: $100,000.00 to $499,999.99
Balance: $100,000.00 to $499,999.99
Balance: $5000.00 to $99,999.99
Balance: $5,000.00 to $99,999.99
Balance: Equal to or greater than $100,000.00 but less than $250,000.00
Balance: Equal to or greater than $100,000.00 but less than $250,000.00
Balance: $0.00 - $49,999.99
- Sep 24, 20261.06%▲ from 1.01%
- Sep 9, 20261.01%first recorded
Balance: $50,000 to $99,999.99
Balance: Equal to or greater than $50,000.00 but less than $100,000.00
Balance: Equal to or greater than $50,000.00 but less than $100,000.00
Balance: $0.01 to $9,999.99
Balance: $20,000 to $49,999.99
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.
Caldwell, ID Money Market Rate Trends
Compare local Caldwell, ID 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 rose 0.006 points over the past 7 days to 3.043% APY.
Idaho standard MMA rates fell 0.007 points over the past 7 days to 0.950% APY.
Caldwell, 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 to 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 3.043% 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: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
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 Caldwell, Idaho.
Money Market Account Earnings in Caldwell, 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 (3.043% APY) | Monthly Earnings | Standard MMA (0.950% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $304.31 / year | $25.36 | $94.97 / year | $7.91 |
| $25,000 | $760.78 / year | $63.40 | $237.43 / year | $19.79 |
| $50,000 | $1,521.55 / year | $126.80 | $474.85 / year | $39.57 |
| $100,000 | $3,043.10 / year | $253.59 | $949.70 / year | $79.14 |
| 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: Caldwell, Idaho money market rate averages as of October 14, 2026. | ||||
About Our Caldwell, Idaho Money Market Rate Database
MonitorBankRates found 6 institutions with branches in Caldwell (3 banks, 3 credit unions), plus 18 additional state-chartered and national online institutions available to Caldwell 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: CAPITAL EDUCATORS offers a money market account at 3.49% APY. Use the rate table above to compare all current offers in Caldwell, Idaho.
How to Find the Best Money Market Rates in Caldwell, Idaho
What to compare when shopping for a money market account in Caldwell, Idaho
To find the best money market APYs in Caldwell, Idaho, start with credit unions and online-only banks: Caldwell, Idaho has 15 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 to $25,000, with lower rates (or monthly fees) below that threshold. The current ID high-yield money market average is 3.043% but top local institutions are offering as high as 3.49%, 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. Caldwell, Idaho high-yield money market rates currently average 3.043% 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 Caldwell, Idaho institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 24 institutions in Caldwell, 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 Caldwell, Idaho CD rates
- You don’t need check writing and want a lower minimum Caldwell, Idaho savings rates
- You need daily transaction access Caldwell, Idaho checking rates
Caldwell, Idaho Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
10.0% of residents are 65 or older, below the national average of 17.3%. At today’s ID high-yield money market average of 3.043%, saving 10% of the local median salary ($3,400/year) would earn an additional $103 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Caldwell, Idaho Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Caldwell, Idaho.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current ID Avg APY | 3.043% | View Savings Rates | 0.950%(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 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | 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 Caldwell, Idaho averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Caldwell, 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 Caldwell, 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 Caldwell, Idaho
At ID’s top money market rate of 3.49% from CAPITAL EDUCATORS, a $10,000 deposit earns $349 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Caldwell, Idaho earner is roughly $8,500. At 3.043% APY in a money market account, saving $710/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 3.043% 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 Caldwell, Idaho earner makes $34,007/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.043% APY.
Retirement PlannerA $25,000 money market balance earning 3.043% APY grows to roughly $45,532 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 Caldwell, 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 Caldwell, 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 Caldwell, 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 Caldwell, Idaho
What is a Money Market Account (MMA)?
Are Money Market accounts in Caldwell, Idaho safe?
How often do MMA rates change in Caldwell, Idaho?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Caldwell, 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 Caldwell, Idaho for money market accounts?
Best Money Market Rates in Caldwell, Idaho
- CAPITAL EDUCATORS
Business Money Market Account: 3.49% APY - US Bank
Elite Money Market Account: 3.40% APY - Rogue Credit Union
MyMoney Market: 3.00% APY - WaFd Bank
High Yield Money Market: 2.00% APY - Idaho Central Credit Union
Money Market Savings: 1.00% APY
Caldwell, Idaho Rates & Resources
