Mesa, Idaho Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Mesa, Idaho savings account rates range from 0.05% to 10.47% APY, verified by MonitorBankRates as of October 23, 2026. The best savings rates for Mesa, Idaho and the surrounding area include First FSB of Twin FallsFirst FSB of Twin FallsA+5.0 ★Texas Ratio: 0.04%Real return: +6.77%APY minus 3.7% CPIRate verified Oct 21, 2026 SuperSaver Savings at 10.47% APY, Numerica Credit UnionNumerica Credit UnionA+5.0 ★Texas Ratio: 2.22%Real return: +2.30%APY minus 3.7% CPIRate verified Oct 19, 2026 Six7 Savings at 6.00% APY, Rails West Federal Credit UnionRails West Federal Credit UnionA+5.0 ★Texas Ratio: 1.13%Real return: +1.47%APY minus 3.7% CPIRate verified Oct 23, 2026 Reward Share at 5.17% APY, Spokane Teachers Credit UnionSpokane Teachers Credit UnionA5.0 ★Texas Ratio: 10.05%Real return: +1.40%APY minus 3.7% CPIRate verified Oct 22, 2026 First5 Savings at 5.10% APY, and WaFd BankWaFd BankA+5.0 ★Texas Ratio: 4.48%Real return: +1.30%APY minus 3.7% CPIRate verified Oct 22, 2026 Personal Start Savings Account at 5.00% APY.
Mesa is a smaller community with no bank or credit union branches currently in our database. 75 institutions serving the Idaho area are available to Mesa 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 Mesa, Idaho and the surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Savings Rates in Mesa, Idaho & Surrounding Communities
Qualifications Required; Balance: Below $500.01; Qualifying balance up to $500.00; Blended APY ranges from 10.47% to 0.10% across balance tiers; $10 minimum opening deposit required; Interest compounded and credited monthly
- Oct 14, 202610.47%▲ from 0.10%
- Oct 7, 20260.10%first recorded
Balance: $0.01 to $700.00; Earn 6.00% APY on the first $700 deposited and 0.05% APY on balances above $700; Limit one Six7 savings account per person; Monthly paper statement fee avoidable with eStatements
Dividends Paid: Monthly
Balance: $0.00 - $500.00; Premium rate on first $500; APY effective 07/01/2026; Open Online; No minimum balance required to earn APY; Balances above $500 earn 0.25% APY
Balance: $0 - $500; Open Online; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open
Balance: $0 - $500; No minimum to earn blended rate interest; No monthly service charge; Checking account required to open; Open Online
Balance: $0 - $500; Limits: On the first $0 - $500 balance.
Qualifications Required; Balance: $0.00 - $500.00; Balances over $500 earn 0.01% APY; No monthly fees; Limited to one SmartPlus Savings account per member
Personal Member Only; Balance: $0 - $1,999.99; Qualifying balance up to $2,000.00
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Balance: $1,000,000
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Qualifying balance up to $999.99
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Qualifications Required; Balance: $0.01 to $5,000.00; Tiered Earnings for Qualified Accounts; Effective 09/01/2026
Requires monthly automatic transfer of $10.00 minimum; limit $100,000 across Dedicated Savings and Flexible Certificate Accounts
Balance: $1,000,000 and over
Balance: $500,000
Balance: $500,000 and over
Minimum Balance to earn interest: $50.00; Payment Frequency: Monthly; Annual Percentage Yield (APY) is variable and may change monthly.
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card and have a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location; Monthly maintenance fee $5, waivable
Balance: $0 - $5,000; ^$mart Cents accounts are for our 18 and under customers
Balance: $250,000 - $999,999.99
Balance: 1,000-24,999
Balance: $25,000 or more; Rate for new savings customers only; requires $25,000 within 30 days; Bay Area CA counties only
Balance: $250,000
Balance: $250,000 to $499,999
Qualifications Required; Balance: $0.00 - $50,000.00; 0.05% APY paid on balances above $50,000; Bundled with Summit or Replenish Checking; $2,000 lender credit for first-time homebuyers; Rates effective as of September 28, 2026
Balance: $0.01 - $15,000.00; Bundled with Tether Checking; electronic statements required; bonus dividends require a monthly transfer of $50.00 or more from Tether Checking; balances above $15,000.00 earn the standard dividend rate
Balance: $25,000.00 - $99,999.99; Payment Frequency: Monthly; Interest paid on entire balance in account
Page describes an incredibly high 3%* Annual Percentage Rate for the Missionary Savings Account (narrative text, not a rate table; footnote asterisk not provided)
Balance: All Balances
Balance: $250,000.00 and over; No monthly fees; Dividends paid monthly
- Oct 10, 20263.00%▲ from 2.50%
- Sep 18, 20262.50%first recorded
Balance: $100,000
Balance: $100,000 to $249,999
Balance: $100,000 - $249,999.99
Up to 2.53% APY; Banner checking account required; minimum opening balance of $25,000 must be new money to Banner Bank; public fund accounts not eligible; relationship balance below $25,000 earns 0.25% APY per footnote; APY accurate as of 8/20/2026
Balance: $100,000.00 - $249,999.99; No monthly fees; Dividends paid monthly
- Oct 10, 20262.50%▼ from 3.00%
- Sep 18, 20263.00%first recorded
Qualifications Required; Balance: $5,000.01 to $10,000.00; Tiered Earnings for Qualified Accounts; Effective 09/01/2026
- Oct 19, 20262.50%▼ from 4.00%
- Oct 14, 20264.00%first recorded
Balance: $500,000+
Balance: $75,000
Balance: $500,000.00 to $999,999.99; Payment Frequency: Monthly; Interest rate paid on the entire balance in the account
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: $500.00 minimum to earn interest; Payment Frequency: Monthly; Service fee of $10 if minimum balance not maintained
Balance: $10 +; No monthly service charge; Open Online
Balance: $10 +; Savings account for minors, managed by an adult; Open Online; No monthly service charge
Balance: $10,000+
Balance: $5,000 and over; ^$mart Cents accounts are for our 18 and under customers
- 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 and over
- 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: $50.00 minimum to earn interest; APY assumes quarterly compounding; Savings Account Information
Balance: $0 - $2,499
Balance: $50,000.00 and over; Tier 6; interest compounded and credited monthly
Balance: $50.00 minimum to earn interest; Payment Frequency: Quarterly; Service fee of $2 if minimum balance not maintained
Balance: $25,000.00 - $49,999.99; Tier 5; interest compounded and credited monthly
Balance: $500,000+
Balance: $10,000.00 - $24,999.99; Tier 4; interest compounded and credited monthly
Balance: $100 +; Open Online; $100 minimum to earn interest; $100 minimum balance to waive $3 monthly service charge
Balance: $100 Plus; $100 minimum to earn interest; $100 minimum balance to waive $10 monthly service charge; Open Online
Balance: $100,000-$499,999.99
Balance: $5 (average daily balance); variable rate account
Minimum average daily balance of $5 to obtain APY; interest compounded and credited monthly
Balance: $1,000.00 - $9,999.99; Tier 3; interest compounded and credited monthly
Balance: $5,000-$9,999.99
Balance: $50,000-$74,999.99
Standard rate on balances under $5,000 (outside the bonus offer); rates for ZIP 06897
Balance: $0 or more; Relationship rate when linked to Premier Checking or Checking; Bay Area CA counties only
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.
Mesa, ID Savings Rate Trends
Compare local Mesa, 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 rose 0.148 points over the past 7 days to 2.196% APY, up from 2.048%.
Idaho standard savings rates rose 0.027 points over the past 7 days to 0.757% APY, up from 0.730%.
Mesa, 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 to 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 2.196% 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 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 Mesa, Idaho.
Savings Account Earnings in Mesa, 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 (2.196% APY) | Monthly Earnings | Standard Savings (0.757% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $109.79 / year | $9.15 | $37.86 / year | $3.16 |
| $10,000 | $219.58 / year | $18.30 | $75.71 / year | $6.31 |
| $25,000 | $548.95 / year | $45.75 | $189.27 / year | $15.77 |
| $50,000 | $1,097.90 / year | $91.49 | $378.55 / year | $31.55 |
| 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: Mesa, Idaho savings rate averages as of October 25, 2026. | ||||
About Our Mesa, Idaho Savings Rate Database
MonitorBankRates tracks savings rate offers from 23 banks and credit unions available to Mesa, Idaho residents via statewide and national offers. No branch locations physically in Mesa are currently in our database, but all listed offers are open to Mesa 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: First FSB of Twin Falls offers a savings account at 10.47% APY with a minimum deposit of $10. Use the rate table above to compare all current offers in Mesa, Idaho.
How to Find the Best Savings Rates in Mesa, Idaho
What to compare when shopping for a savings account in Mesa, Idaho
To find the best savings APYs in Mesa, Idaho, start with credit unions and online-only banks: Mesa, Idaho has 13 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 2.196% 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 to 6 months of expenses in a liquid, FDIC-insured account. Mesa, Idaho high-yield savings rates currently average 2.196% APY, far above a typical checking account.
- Short-term savings goals (6 to 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 Mesa, Idaho institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 23 institutions in Mesa, 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 Mesa, Idaho CD rates
- You want check-writing flexibility Mesa, Idaho money market rates
- You need daily transaction access Mesa, 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 2.196%, saving 10% of the local median salary ($4,017/year) would earn an additional $88 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Mesa, Idaho Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Mesa, Idaho.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current ID Avg APY | 2.196% | 0.757% | 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 to $100 | $25 to $100 | $0 to $2,500 | $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 | 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 Mesa, Idaho averages tracked in our database as of October 25, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Mesa, 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 Mesa, Idaho earner is roughly $10,000. At 2.196% 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 2.196% 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 Mesa, Idaho earner makes $40,170/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.196% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.196% APY grows to roughly $38,601 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 Mesa, 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 Mesa, 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 Mesa, 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 Mesa, Idaho
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Mesa, Idaho safe?
How often do savings rates change in Mesa, 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 Mesa, Idaho?
How do I open a savings account in Mesa, Idaho?
Best Savings Rates in Mesa, 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
Personal Start Savings Account: 5.00% APY
Mesa, Idaho Rates & Resources
