Coeur Dalene, Idaho Money Market Rates - September 2026
Brian McKay
Brian McKay
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Current money market account rates for Coeur Dalene, Idaho depositors from banks and credit unions serving Idaho range from 3.49% to 4.50% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 27, 2026. Current Coeur Dalene, Idaho and the surrounding area money market deposit account rates include Members Preferred Credit UnionMembers Preferred Credit UnionA+5.0 ★Texas Ratio: 2.99%Real return: +1.70%APY minus 2.8% CPI (February 2026) MONEY MARKET DRAFT at 4.50% APY, America First Federal Credit UnionAmerica First Federal Credit UnionA5.0 ★Texas Ratio: 8.33%Real return: +1.10%APY minus 2.8% CPI (February 2026) Money Market at 3.90% APY, Goldenwest Federal Credit UnionGoldenwest Federal Credit UnionA+5.0 ★Texas Ratio: 2.69%Real return: +0.85%APY minus 2.8% CPI (February 2026) Insured Money Market Account at 3.65% APY, Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 9.78%Real return: +0.75%APY minus 2.8% CPI (February 2026) Business Money market at 3.55% APY, and Potlatch No 1 Financial Credit UnionPotlatch No 1 Financial Credit UnionA+5.0 ★Texas Ratio: 3.49%Real return: +0.69%APY minus 2.8% CPI (February 2026) Money Market Account at 3.49% APY. Money market rates as of September 27, 2026 according to verified data from MonitorBankRates.
Coeur Dalene is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Idaho area are available to Coeur Dalene residents, with money market rates as high as 4.50% APY from Members Preferred Credit Union. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Coeur Dalene, Idaho and surrounding area. Last Updated and Verified: September 27, 2026
Compare the Best Money Market Rates Today in Coeur Dalene, Idaho & the Surrounding Area
Balance: $5,000.01 - 50,000.00
Balance: $1,000,000.00+
Balance: $1,000,000 +
$1,000,000 +; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 09/25/2026. 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.
Balance: $1,000,000+
- Sep 18, 20263.49%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Balance: $500,000.000+; Qualifying Bump Rate
Balance: $250,000.00-$999,999.99
Balance: $250,000.00 - $499,999.99; Qualifying Bump Rate
Balance: $500,000 - $999,999
Balance: $250,000 - $499,999
Balance: $100,000.00 - $249,999.99; Qualifying Bump Rate
$250,000 - $999,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 09/25/2026. 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.
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; Payment Frequency: Monthly
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. No minimum balance required to earn the APY.
Balance: $100,000.00-$249,999.99
Balance: $100,000 - $249,999
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: $500,000 and above
Balance: $250,000 and up
Balance: $500.00 - $24,999.99; Qualifying Bump Rate
$100,000 - $249,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 09/25/2026. 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.
Balance: $50,000 - $249,999.99
- Sep 18, 20262.25%▼ from 2.75%
- Sep 14, 20262.75%first recorded
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: $50,000.00-$99,999.99
Balance: $1,000,000.00 and above*
Balance: $1,000,000.00 and above*
Balance: $500,000 +. $1,000 minimum to avoid $10 monthly service charge. Open Online
Balance: $75,000 - 249,999.99
Balance: $50,000 - $99,999
Balance: $50,000.01 and over
Balance: $500,000.00 - $999,999.99*
Balance: $500,000.00 - $999,999.99*
$50,000 - $99,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 09/25/2026. 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.
Balance: $300,000.00 - $499,999.99*
Balance: $300,000.00 - $499,999.99*
Balance: $25,000.00-$49,999.99
- Sep 19, 20261.79%▼ from 1.80%
- Sep 8, 20261.80%first recorded
Balance: $25,000 - $49,999.99
Balance: $50,000 - 74,999.99
Balance: $25,000 - $49,999
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: $250,000 - $499,999. $1,000 minimum to avoid $10 monthly service charge. Open Online
Balance: $100,000 and above
Balance: $350,000 and up; Rates Subject to Change
Balance: $350,000 and up
Balance: $90,000 - $249,999. $1,000 minimum to avoid $10 monthly service charge. Open Online
Balance: $2,500 - $24,999.99
Balance: $25,000 - 49,999.99
Money market savings balance over $10,000
Balance: $150,000.00 - $299,999.99*
Balance: $150,000.00 - $299,999.99*
Balance: $100,000.00 or greater
Balance: $100,000 - $249,999
$25,000 - $49,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 09/25/2026. 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.
Balance: $500,000.000 +
Balance: $500,000.00+; Money Market Account2 (Non-Qualifying Rate)
- Sep 18, 20261.45%▼ from 3.49%
- Sep 14, 20263.49%first recorded
Balance: $500,000.00 to $999,999.99; Payment Frequency: Monthly
Balance: $500,000.00 to $999,999.99; Payment Frequency: Monthly
Balance: $100,000 to $349,999; Rates Subject to Change
Balance: $100,000 to $349,999
Balance: $.01 - $99,999
Balance: $250,000.00 - $499,999.99
Balance: $250,000.00 - $499,999.99; Money Market Account2 (Non-Qualifying Rate)
- Sep 18, 20261.35%▼ from 3.39%
- Sep 14, 20263.39%first recorded
Balance: $100,000.00 to $499,999.99; Payment Frequency: Monthly
Balance: $100,000.00 to $499,999.99; Payment Frequency: Monthly
Balance: $2,500 - $24,999.99
Balance: $5,000 - $24,999
Balance: $10,000.00-$24,999.99
Balance: $100,000.00 - $149,999.99*
Balance: $100,000.00 - $149,999.99*
Balance: $100,000.00 - $249,999.99
Balance: $5000.00 to $99,999.99; Payment Frequency: Monthly
Balance: $5,000.00 to $99,999.99; Payment Frequency: Monthly
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
Payment Frequency: Monthly
Payment Frequency: Monthly
Balance: $0.00 - $49,999.99
- Sep 24, 20261.06%▲ from 1.01%
- Sep 9, 20261.01%first recorded
Maximum $100,000 deposit per client.
Balance: $50,000 to $99,999.99
$1,000 to avoid $10 monthly service charge
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
$1,000 to avoid $10 monthly service charge
Maximum $100,000 deposit per client.
Balance: $20,000 to $49,999.99
Balance: Equal to or greater than $25,000.00 but less than $50,000.00
Balance: Equal to or greater than $25,000.00 but less than $50,000.00
Balance: $1,000 to $19,999.99
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.
Coeur Dalene, ID Money Market Rate Trends
Compare local Coeur Dalene, 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 0.013 points over the past 7 days to 3.073% APY.
Idaho standard MMA rates fell 0.004 points over the past 7 days to 0.727% APY.
Coeur Dalene, 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 3.073% 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 60–90 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 Coeur Dalene, Idaho.
Money Market Account Earnings in Coeur Dalene, 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 (3.073% APY) | Monthly Earnings | Standard MMA (0.727% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $307.32 / year | $25.61 | $72.71 / year | $6.06 |
| $25,000 | $768.30 / year | $64.02 | $181.78 / year | $15.15 |
| $50,000 | $1,536.60 / year | $128.05 | $363.55 / year | $30.30 |
| $100,000 | $3,073.20 / year | $256.10 | $727.10 / year | $60.59 |
| 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: Coeur Dalene, Idaho money market rate averages as of September 28, 2026. | ||||
Available in Coeur Dalene, Idaho Area
About Our Coeur Dalene, Idaho Money Market Rate Database
MonitorBankRates tracks money market rate offers from 24 banks and credit unions available to Coeur Dalene, Idaho residents via statewide and national offers. No branch locations physically in Coeur Dalene are currently in our database, but all listed offers are open to Coeur Dalene depositors. 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: Members Preferred Credit Union offers a money market account at 4.50% APY. Use the rate table above to compare all current offers in Coeur Dalene, Idaho.
How to Find the Best Money Market Rates in Coeur Dalene, Idaho
What to compare when shopping for a money market account in Coeur Dalene, Idaho
To find the best money market APYs in Coeur Dalene, Idaho, start with credit unions and online-only banks: Coeur Dalene, Idaho has 17 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 3.073% but top local institutions are offering as high as 4.50%, 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. Coeur Dalene, Idaho high-yield money market rates currently average 3.073% 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 Coeur Dalene, Idaho institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 24 institutions in Coeur Dalene, 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 → Coeur Dalene, Idaho CD rates
- You don’t need check writing and want a lower minimum → Coeur Dalene, Idaho savings rates
- You need daily transaction access → Coeur Dalene, Idaho checking rates
Idaho Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
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 3.073%, saving 10% of the local median salary ($4,017/year) would earn an additional $123 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Coeur Dalene, Idaho Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Coeur Dalene, Idaho.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current ID Avg APY | 3.073% | View Savings Rates | 0.727%(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 | 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 Coeur Dalene, Idaho averages tracked in our database as of September 28, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Coeur Dalene, 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 Coeur Dalene, 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 Coeur Dalene, Idaho
At ID’s top money market rate of 4.50% from Members Preferred Credit Union, a $10,000 deposit earns $450 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Coeur Dalene, Idaho earner is roughly $10,000. At 3.073% 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 3.073% 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 Coeur Dalene, Idaho earner makes $40,170/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.073% APY.
Retirement PlannerA $25,000 money market balance earning 3.073% APY grows to roughly $45,799 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 Coeur Dalene, 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 Coeur Dalene, 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 Coeur Dalene, 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 Coeur Dalene, Idaho
What is a Money Market Account (MMA)?
Are Money Market accounts in Coeur Dalene, Idaho safe?
How often do MMA rates change in Coeur Dalene, Idaho?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Coeur Dalene, 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 Coeur Dalene, Idaho for money market accounts?
Best Money Market Rates in Coeur Dalene, Idaho
- Members Preferred Credit Union
MONEY MARKET DRAFT: 4.50% 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 - Potlatch No 1 Financial Credit Union
Money Market Account: 3.49% APY
Coeur Dalene, Idaho Rates & Resources
