Holbrook, Idaho Money Market Rates - October 2026
Brian McKay
Brian McKay
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Holbrook, Idaho money market account rates from banks and credit unions serving Idaho range from 0.65% to 3.90% APY, verified by MonitorBankRates as of October 22, 2026. Current Holbrook, Idaho and the surrounding area money market deposit account rates include 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) Business Money Market Savings at 3.90% APY, Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 9.78%Real return: +0.80%APY minus 2.8% CPI (February 2026) Business Money market at 3.60% APY, 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 (Qualifying Bump Rate) at 3.49% APY, CAPITAL EDUCATORSCAPITAL EDUCATORSA5.0 ★Texas Ratio: 8.45%Real return: +0.69%APY minus 2.8% CPI (February 2026) Business Money Market at 3.49% APY, and US BankUS BankA+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. Money market rates as of October 22, 2026 according to verified data from MonitorBankRates.
Holbrook is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Idaho area are available to Holbrook residents, with money market rates as high as 3.90% APY from America First Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Holbrook, Idaho and surrounding area. Last Updated and Verified: October 22, 2026
Compare the Best Money Market Rates Today in Holbrook, Idaho & the Surrounding Area
Balance: $1,000,000 and over
Balance: $1,000,000.00+; Open Online
Balance: $1,000,000 and over
- Oct 5, 20263.60%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Balance: $500,000.000+
Balance: $1,000,000 and over
Balance: $250,000 - $999,999.99
Balance: $250,000.00-$999,999.99; Open Online
Balance: $25,000 to $49,999.99; New clients only; requires $25,000 deposit within 30 days of opening and daily balance of at least $25,000 to maintain rate (ZIP 55402)
Balance: $250,000.00 - $499,999.99
Balance: $500,000 and above; Tiered rates based on account balance; E-statements required
Balance: $500,000 and above; $0.01 minimum daily balance to earn APY; rates variable; no monthly service charges with electronic statements
Balance: $100,000.00 - $249,999.99
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; Minimum average daily balance of $5.00 to obtain APY
Balance: $2,500,000.00 and over; Tier 10
Balance: $25,000.00 - $99,999.99; Payment Frequency: Monthly; Interest paid on entire balance in account
As High As; APY effective 07/01/2026; No minimum balance required to earn the APY
Balance: $250,000 - $499,999.99; Tiered rates based on account balance; E-statements required
Balance: $250,000 to $499,999.99; $0.01 minimum daily balance to earn APY; rates variable; no monthly service charges with electronic statements
Balance: $250,000 - $999,999.99
Balance: $100,000 - $249,999.99
Balance: $100,000.00-$249,999.99; Open Online
Balance: Equal to or greater than $1,000,000.00 but less than $2,500,000.00; Minimum average daily balance of $5.00 to obtain APY
Balance: $1,000,000.00 - $2,499,999.99; Tier 9
Balance: $25,000.00 - $99,999.99
Balance: $100,000 - $249,999.99; Tiered rates based on account balance; E-statements required
Balance: $100,000 to $249,999.99; $0.01 minimum daily balance to earn APY; rates variable; no monthly service charges with electronic statements
Balance: $500,000 and above
Balance: $250,000+
Balance: $500.00 - $24,999.99
Balance: $100,000 - $249,999
- Oct 5, 20262.45%▲ from 2.40%
- Sep 14, 20262.40%first recorded
Balance: $10,000 - $99,999.99; Tiered rates based on account balance; E-statements required
Balance: $10,000 to $99,999.99; $0.01 minimum daily balance to earn APY; rates variable; no monthly service charges with electronic statements
Balance: $50,000 - $249,999.99
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; Minimum average daily balance of $5.00 to obtain APY
Balance: $500,000.00 - $999,999.99; Tier 8
Balance: $50,000 - $99,999.99
Balance: $50,000.00-$99,999.99; Open Online
Balance: $1,000,000.00 and above; Effective Date: 09/01/2026
Balance: $1,000,000.00 and above; Rate boost of 0.10% with Tech CU Checking Account and minimum $100 net pay direct deposit; Effective Date: 09/01/2026
Balance: $500,000 +; $1,000 minimum to avoid $10 monthly service charge; Not available for IRAs or Business; Promotion may be discontinued at any time; Open Online
Balance: $500,000 +; Open Online; $1,000 minimum to avoid $10 monthly service charge
Balance: $50,000 - $99,999
- Oct 5, 20262.00%▲ from 1.90%
- Sep 14, 20261.90%first recorded
Share Deposits; Open Effective October 1, 2026
Balance: $75,000 - 249,999.99
Balance: $500,000.00 - $999,999.99; Effective Date: 09/01/2026
Balance: $500,000.00 - $999,999.99; Rate boost of 0.10% with Tech CU Checking Account and minimum $100 net pay direct deposit; Effective Date: 09/01/2026
Balance: $300,000.00 - $499,999.99; Effective Date: 09/01/2026
Balance: $300,000.00 - $499,999.99; Rate boost of 0.10% with Tech CU Checking Account and minimum $100 net pay direct deposit; Effective Date: 09/01/2026
Balance: $25,000 - $49,999.99
Balance: $25,000.00-$49,999.99; Open Online
Balance: $25,000 - $49,999.99
Balance: $50,000 - 74,999.99
Balance: $250,000 - $499,999
Balance: Equal to or greater than $250,000.00 but less than $500,000.00; Minimum average daily balance of $5.00 to obtain APY
Balance: $250,000.00 - $499,999.99; Tier 7
Balance: $250,000 - $499,999; $1,000 minimum to avoid $10 monthly service charge; Not available for IRAs or Business; Promotion may be discontinued at any time; Open Online
Balance: $250,000 - $499,999; Open Online; $1,000 minimum to avoid $10 monthly service charge
Balance: $100,000 and above; Minimum deposit of $100 is needed to open an account
Balance: $350,000 and up; Dividend Rate Declared Last Month
Balance: $350,000 and up; Dividend Rate Declared Last Month; $50,000 minimum balance requirement; sweep account feature to Share Draft (Checking)
Balance: $90,000 - $249,999; $1,000 minimum to avoid $10 monthly service charge; Not available for IRAs or Business; Promotion may be discontinued at any time; Open Online
Balance: $90,000 - $249,999; Open Online; $1,000 minimum to avoid $10 monthly service charge
Balance: over $10,000
Balance: $25,000 - $49,999
- Oct 5, 20261.50%▲ from 1.45%
- Sep 14, 20261.45%first recorded
APY options listed: 0.35% | 0.50% | 0.75% | 1.50%; 1.50% is the rate marked ** (minimum deposit of $10,000, must have an associated checking account); with associated checking balance under $5,000 earns the current Regular Money Market rate; associated checking $5,000-$9,999 earns an additional 0.15% APY; $10,000-$14,999 earns an additional 0.40% APY; $15,000 or more earns an additional 1.15% APY; Dividends Paid: Monthly
- Oct 19, 20261.50%▲ from 0.35%
- Oct 13, 20260.35%▼ from 1.50%
- Sep 14, 20261.50%first recorded
Share Deposits; Open Effective October 1, 2026
- Oct 10, 20261.50%▼ from 1.60%
- Sep 14, 20261.60%first recorded
Balance: $150,000.00 - $299,999.99; Effective Date: 09/01/2026
Balance: $150,000.00 - $299,999.99; Rate boost of 0.10% with Tech CU Checking Account and minimum $100 net pay direct deposit; Effective Date: 09/01/2026
Balance: $100,000 and over
Balance: $2,500 - $24,999.99
Balance: $25,000 - 49,999.99
Balance: $100,000.00 or greater
Balance: $100,000 - $249,999
Balance: $500,000.000 and over
Balance: $500,000.000+; Non-Qualifying Rate
Balance: $500,000.00 to $999,999.99; Payment Frequency: Monthly; Interest rate paid on the entire balance in the account
Balance: $100,000 to $349,999; Dividend Rate Declared Last Month
Balance: $.01 - $99,999
Balance: $100,000.00 to $499,999.99; Payment Frequency: Monthly; Interest rate paid on the entire balance in the account
Balance: $5000.00 to $99,999.99; Payment Frequency: Monthly; Interest rate paid on the entire balance in the account
Balance: Equal to or greater than $100,000.00 but less than $250,000.00; Minimum average daily balance of $5.00 to obtain APY
Balance: $100,000.00 - $249,999.99; Tier 6
Balance: $500.00 minimum to earn interest; Payment Frequency: Monthly; Service fee of $10 if minimum balance not maintained
Balance: $0.00 - $49,999.99
- Sep 24, 20261.06%▲ from 1.01%
- Sep 9, 20261.01%first recorded
Balance: $15,000 +; $1,000 minimum to earn interest and avoid $12 monthly service charge; Maximum $100,000 deposit per client; Open Online
Balance: $50,000 to $99,999.99; Minimum deposit of $100 is needed to open an account
Balance: $90,000 +; $1,000 minimum to earn interest; $1,000 to avoid $10 monthly service charge; Open in Branch
Balance: Equal to or greater than $50,000.00 but less than $100,000.00; Minimum average daily balance of $5.00 to obtain APY
Balance: $50,000.00 - $99,999.99; Tier 5
Balance: $1,000 - $89,999; $1,000 minimum to earn interest; $1,000 to avoid $10 monthly service charge; Open in Branch
Balance: $1,000 - $14,999; $1,000 minimum to earn interest and avoid $12 monthly service charge; Maximum $100,000 deposit per client; Open Online
Balance: $0.01 - $9,999.99; Tiered rates based on account balance; E-statements required
Balance: $0.01 to $9,999.99; $0.01 minimum daily balance to earn APY; rates variable; no monthly service charges with electronic statements
Balance: $20,000 to $49,999.99; Minimum deposit of $100 is needed to open an account
Balance: Equal to or greater than $25,000.00 but less than $50,000.00; Minimum average daily balance of $5.00 to obtain APY
Balance: $25,000.00 - $49,999.99; Tier 4
Balance: $1,000 to $19,999.99; Minimum deposit of $100 is needed to open an account
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.
Holbrook, ID Money Market Rate Trends
Compare local Holbrook, 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 0.001 points over the past 7 days to 3.051% APY.
Idaho standard MMA rates rose 0.034 points over the past 7 days to 0.932% APY.
Holbrook, 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 3.051% 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 Holbrook, Idaho.
Money Market Account Earnings in Holbrook, 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 (3.051% APY) | Monthly Earnings | Standard MMA (0.932% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $305.10 / year | $25.43 | $93.21 / year | $7.77 |
| $25,000 | $762.75 / year | $63.56 | $233.03 / year | $19.42 |
| $50,000 | $1,525.50 / year | $127.13 | $466.05 / year | $38.84 |
| $100,000 | $3,051.00 / year | $254.25 | $932.10 / year | $77.68 |
| 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: Holbrook, Idaho money market rate averages as of October 22, 2026. | ||||
Available in Holbrook, Idaho Area
About Our Holbrook, Idaho Money Market Rate Database
MonitorBankRates tracks money market rate offers from 25 banks and credit unions available to Holbrook, Idaho residents via statewide and national offers. No branch locations physically in Holbrook are currently in our database, but all listed offers are open to Holbrook 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 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: America First Federal Credit Union offers a money market account at 3.90% APY. Use the rate table above to compare all current offers in Holbrook, Idaho.
How to Find the Best Money Market Rates in Holbrook, Idaho
What to compare when shopping for a money market account in Holbrook, Idaho
To find the best money market APYs in Holbrook, Idaho, start with credit unions and online-only banks: Holbrook, 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 to $25,000, with lower rates (or monthly fees) below that threshold. The current ID high-yield money market average is 3.051% but top local institutions are offering as high as 3.90%, 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. Holbrook, Idaho high-yield money market rates currently average 3.051% 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 Holbrook, Idaho institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 25 institutions in Holbrook, 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 Holbrook, Idaho CD rates
- You don’t need check writing and want a lower minimum Holbrook, Idaho savings rates
- You need daily transaction access Holbrook, 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 3.051%, 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 Holbrook, Idaho Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Holbrook, Idaho.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current ID Avg APY | 3.051% | View Savings Rates | 0.932%(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 Holbrook, Idaho averages tracked in our database as of October 22, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Holbrook, 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 Holbrook, 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 Holbrook, Idaho
At ID’s top money market rate of 3.90% from America First Federal Credit Union, a $10,000 deposit earns $390 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Holbrook, Idaho earner is roughly $10,000. At 3.051% 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 3.051% 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 Holbrook, Idaho earner makes $40,170/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.051% APY.
Retirement PlannerA $25,000 money market balance earning 3.051% APY grows to roughly $45,602 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 Holbrook, 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 Holbrook, 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 Holbrook, 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 Holbrook, Idaho
What is a Money Market Account (MMA)?
Are Money Market accounts in Holbrook, Idaho safe?
How often do MMA rates change in Holbrook, Idaho?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Holbrook, 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 Holbrook, Idaho for money market accounts?
Best Money Market Rates in Holbrook, Idaho
- America First Federal Credit Union
Business Money Market Savings: 3.90% APY - Mountain America Federal Credit Union
Business Money market: 3.60% APY - Potlatch No 1 Financial Credit Union
Money Market Account (Qualifying Bump Rate): 3.49% APY - CAPITAL EDUCATORS
Business Money Market: 3.49% APY - US Bank
Elite Money Market Account: 3.40% APY
Holbrook, Idaho Rates & Resources
