Coeur Dalene, Idaho Savings Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current savings account rates for Coeur Dalene, Idaho and the surrounding area range from 5.00% to 10.47% APY across the five banks and credit unions featured below, verified by MonitorBankRates as of September 28, 2026. The best savings rates for Coeur Dalene, Idaho and the surrounding area include First FSB of Twin FallsFirst FSB of Twin FallsA+5.0 ★Texas Ratio: 0.04%Real return: +7.67%APY minus 2.8% CPI (February 2026) SuperSaver Savings at 10.47% APY, Numerica Credit UnionNumerica Credit UnionA+5.0 ★Texas Ratio: 2.22%Real return: +3.20%APY minus 2.8% CPI (February 2026) SIX7 SAVINGS at 6.00% APY, Rails West Federal Credit UnionRails West Federal Credit UnionA+5.0 ★Texas Ratio: 1.13%Real return: +2.37%APY minus 2.8% CPI (February 2026) Reward Share at 5.17% APY, Spokane Teachers Credit UnionSpokane Teachers Credit UnionA5.0 ★Texas Ratio: 10.05%Real return: +2.30%APY minus 2.8% CPI (February 2026) First5 Savings at 5.10% APY, and WaFd BankWaFd BankA+5.0 ★Texas Ratio: 4.48%Real return: +2.20%APY minus 2.8% CPI (February 2026) Start Savings at 5.00% APY.
Coeur Dalene is a smaller community with no bank or credit union branches currently in our database. 75 institutions serving the Idaho area are available to Coeur Dalene residents, with savings rates as high as 10.47% APY from First FSB of Twin Falls. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Coeur Dalene, Idaho and the surrounding area. Last Updated and Verified: September 28, 2026
Compare the Best Savings Rates in Coeur Dalene, Idaho & Surrounding Communities
Balance: $0.01 to $500.00
Base APY on balance of $700+; Earn 6.00% APY for your first $700. That's 16x the national average**
Balances above $500 earn 0.25 % APY. Rate is subject to change and may change after the account is opened. One First5 Savings Account per person.
Balance: $0 - $500. Checking account required to open. Open Online
Balance: $500.01 to $1,000.00
- Sep 24, 20265.00%▼ from 7.79%
- Sep 19, 20267.79%first recorded
Qualifying balance up to $500.00; You can use this account to establish membership (with a $5 deposit)
Balances over $500 earn 0.01% APY. Age Eligibility: 0-13 years. Gesa will match deposits up to $25, in $5 increments, within the first year that the account is opened. If less than $5 is deposited at one time, a savings match equaling the amount deposited will be made within one business day of the account deposit. Once the $25 maximum deposit match is met, no additional savings matches will be allowed on the account. Savings Match only eligible for deposits made at a Gesa branch or through mobile deposit. Limit of one savings match of $5, per member, per day. Once per season (Fall, Winter, Spring, Summer), Explorer Savings account holders can bring in their report card and Gesa will deposit $5 for each report card shown to a teller. Report card can be in paper or electronic format. In place of report card, documentation can consist of note from parent or guardian or item of schoolwork. Material presented must be dated within the past 90 days to be considered. Super Student Incentive deposit will be made within one business day of the presentation of a report card. Super Student incentive will be capped at $20 per calendar year, per member. Members will be limited to one Super Student Match per member, per season. The incentive payments may be subject to required IRS reporting.
Qualifying balance up to $500.00; Qualifications Required; a) provide and maintain a valid email address; and b) be enrolled to receive e-statements. If the requirements are not met during the monthly qualifying period, the "non-qualifying" 0.01% APY would apply to the entire balance.
Balance: $1,000,000
Balance: $0.01 to $5,000.00
Balance: $500,000
Balance: $0 - $5,000
Balance: $1,000,000+
- Sep 18, 20263.49%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Balance: 1,000-24,999; APY = Annual Percentage Yield. The interest rate and annual percentage yield may change at any time. Rate may change after account opening. Fees may reduce earnings. Federally insured by the NCUA.
Balance: $250,000
Qualifications Required: Log on to online banking at least one time each calendar month; Receive at least one direct deposit that successfully posts to an account in the membership each calendar month; Conduct a minimum of 15 debit card transactions via the checking account in each calendar month; Be enrolled in electronic statements.; Listed promotional APY paid on balances up to $50,000; 0.05% APY paid on balances above $50,000. Bundled with your choice of Summit or Replenish Checking. No withdrawal penalties.
Balance: $50.00 - $15,000.00
Balance: $25,000.00 to $99,999.99; Payment Frequency: Monthly
2.50% APY on a $100,000 - $249,999.99 balance
Balance: $250,000 - $999,999.99
- Sep 18, 20262.75%▼ from 3.20%
- Sep 14, 20263.20%first recorded
Balance: $100,000
Annual Percentage Yield (APY) accurate as of 8/20/2026. Rates may change. The interest rate tier is determined by the actual daily account balance. Monthly service charge of $10 is waived when you meet one of the following criteria during that monthly statement cycle: $5,000 minimum daily balance or $10,000 average daily combined balance for checking and savings deposit relationship. If relationship balance is below $25,000, Annual Percentage Yield (APY) is 0.25%. Public fund accounts not eligible. Minimum opening balance of $25,000 must be new money to Banner Bank. A Banner Bank checking account is required to open a High Yield Relationship Savings account. Additional restrictions may apply. View current rates .
Balance: $500.01 - $1000. Checking account required to open. Open Online
There are no monthly fees
Balance: $5,000.01 to $10,000.00
Balance: $500,000+
Balance: $75,000
Balance: $250,000 - $499,999
Balance: $100,000 - $249,999
Balance: $50,000 - $249,999.99
- Sep 18, 20262.25%▼ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $1,000 - $99,999
Balance: $50,000
Balance: $25,000 - $49,999.99
Balance: $25,000
Balance: $2,500 - $24,999.99
Qualifications Required: Requires a High Yield Checking+ account; qualifications met; Balance: $0.00 - $50,000
Money market savings balance over $10,000
Balance: $10,000.01 to $20,000.00
Balance: $500,000.00 to $999,999.99; Payment Frequency: Monthly
Balance: $500,000.00 to $999,999.99; Payment Frequency: Monthly
Balance: $10,000
Balance: $100,000.00 to $499,999.99; Payment Frequency: Monthly
Balance: $100,000.00 to $499,999.99; Payment Frequency: Monthly
Balance: $5000.00 to $99,999.99; Payment Frequency: Monthly
Balance: $5,000.00 to $99,999.99; Payment Frequency: Monthly
Payment Frequency: Monthly
Payment Frequency: Monthly
No monthly service charge. Open Online
Balance: $1,000.01 to $2,000.00
Balance: $2,500
Balance: 100,000+
Balance: 100,000+
Balance: $0.01 to $2,000.00
Balance: $0-$20,000
Balance: 50,000-99,999
Balance: 50,000-99,999
Balance: $5,000 +
- Sep 24, 20260.50%▲ from 0.45%
- Sep 9, 20260.45%first recorded
- Sep 24, 20260.50%▲ from 0.45%
- Sep 9, 20260.45%first recorded
Balance: $2,500 +
- Sep 24, 20260.50%▲ from 0.45%
- Sep 9, 20260.45%first recorded
- Sep 24, 20260.50%▲ from 0.45%
- Sep 9, 20260.45%first recorded
- Sep 24, 20260.50%▲ from 0.45%
- Sep 9, 20260.45%first recorded
Balance: $5.00 - $2,500.00
Balance: $0 - $2,499
Payment Frequency: Quarterly
Payment Frequency: Quarterly
$100 minimum balance to waive $10 monthly service charge. Open Online
Balance: $1000 +. Checking account required to open. Open Online
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 Savings Rate Trends
Compare local Coeur Dalene, ID savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Idaho high-yield savings rates fell 0.003 points over the past 7 days to 1.965% APY, down from 1.968%.
Idaho standard savings rates fell 0.002 points over the past 7 days to 0.812% APY, down from 0.814%.
Coeur Dalene, Idaho Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current ID high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings 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 savings average of 1.965% 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 online savings rates tend to adjust faster than standard branch-based savings rates.
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.
Savings Account Earnings in Coeur Dalene, Idaho
Annual interest earnings at current ID average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.965% APY) | Monthly Earnings | Standard Savings (0.812% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.26 / year | $8.19 | $40.60 / year | $3.38 |
| $10,000 | $196.52 / year | $16.38 | $81.20 / year | $6.77 |
| $25,000 | $491.30 / year | $40.94 | $203.00 / year | $16.92 |
| $50,000 | $982.60 / year | $81.88 | $406.00 / year | $33.83 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Coeur Dalene, Idaho savings rate averages as of September 28, 2026. | ||||
About Our Coeur Dalene, Idaho Savings Rate Database
MonitorBankRates tracks savings rate offers from 19 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: First FSB of Twin Falls offers a savings account at 10.47% APY. Use the rate table above to compare all current offers in Coeur Dalene, Idaho.
How to Find the Best Savings Rates in Coeur Dalene, Idaho
What to compare when shopping for a savings account in Coeur Dalene, Idaho
To find the best savings APYs in Coeur Dalene, Idaho, start with credit unions and online-only banks: Coeur Dalene, Idaho has 12 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current ID high-yield savings average is 1.965% but top local institutions are offering as high as 10.47%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. Coeur Dalene, Idaho high-yield savings rates currently average 1.965% APY, far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Coeur Dalene, Idaho institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 19 institutions in Coeur Dalene, Idaho report savings 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 want check-writing flexibility → Coeur Dalene, Idaho money market 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 savings average of 1.965%, saving 10% of the local median salary ($4,017/year) would earn an additional $79 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Coeur Dalene, Idaho Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Coeur Dalene, Idaho.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current ID Avg APY | 1.965% | 0.812% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | 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.
Savings Calculators for Coeur Dalene, Idaho
At ID’s top rate of 10.47% from First FSB of Twin Falls, a $10,000 deposit earns $1,047 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 1.965% APY, saving $840/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsIdaho’s high-yield savings average is 1.965% APY, variable and always accessible. 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 1.965% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.965% APY grows to roughly $36,896 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 savings 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 Savings Rate Data: We aggregate savings 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 savings 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 competitive regional banks to large national institutions available to savers in ID.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Coeur Dalene, Idaho
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Coeur Dalene, Idaho safe?
How often do savings rates change in Coeur Dalene, Idaho?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Coeur Dalene, Idaho?
How do I open a savings account in Coeur Dalene, Idaho?
Best Savings Rates in Coeur Dalene, Idaho
- First FSB of Twin Falls
SuperSaver Savings: 10.47% APY - Numerica Credit Union
SIX7 SAVINGS: 6.00% APY - Rails West Federal Credit Union
Reward Share: 5.17% APY - Spokane Teachers Credit Union
First5 Savings: 5.10% APY - WaFd Bank
Start Savings: 5.00% APY
Coeur Dalene, Idaho Rates & Resources
