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Idaho Savings Rate Trends

Murphy, Idaho (ID) Savings Rates - March 2026

The best savings rates for Murphy, Idaho and the surrounding area include Responders Emergency Services Credit UnionResponders Emergency Services Credit Union3640 E Seltice Way, Post Falls, ID 83854A+5.0 ★Texas Ratio: 0.00% Savings Account at 12.00% APY, First FSB of Twin FallsFirst FSB of Twin Falls383 Shoshone St N, Twin Falls, ID 83301A+5.0 ★Texas Ratio: 0.24% SuperSaver Savings at 10.47% APY, Spokane Teachers Credit UnionSpokane Teachers Credit Union3903 E Primrose Ln, Post Falls, ID 83854A+5.0 ★Texas Ratio: 3.44% First5 savings at 5.10% APY, Gesa Credit UnionGesa Credit Union317 S Beck Rd, Post Falls, ID 83854A+5.0 ★Texas Ratio: 4.63% SmartPlus Savings at 5.00% APY, and Pioneer Federal Credit UnionPioneer Federal Credit Union250 W 3rd S, Mountain Home, ID 83647A5.0 ★Texas Ratio: 10.77% Youth Savings Account at 5.00% APY.

To see how these savings rates in Murphy, Idaho, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Murphy, Idaho (ID) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Murphy, Idaho and the surrounding area. Last Updated and Verified: March 20, 2026

Murphy, ID Savings Rate Trends

Compare local Murphy, ID savings rate quotes against the statewide average

Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Idaho Savings Trends →
High-Yield Savings — ID Avg
1.493%

Idaho high-yield savings rates currently average 1.493% APY based on data from institutions in our monitoring network.

Standard Savings — ID Avg
0.345%
▼ 0.105 from last week

Idaho standard savings rates fell 0.105 points this week to 0.345% APY, down from 0.450% last week.

As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare the Best Savings Rates in Murphy, Idaho & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3640 E Seltice Way, Post Falls, ID 83854
Savings Account
12.00%
$0
Rate11.39%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Maximum Balance $1,200

First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
383 Shoshone St N, Twin Falls, ID 83301
SuperSaver Savings
10.47%
$0
Rate10.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Qualifying balance up to $500.00

Spokane Teachers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3903 E Primrose Ln, Post Falls, ID 83854
First5 savings
5.10%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Qualifying balance up to $500.01

First FSB of Twin Falls
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
383 Shoshone St N, Twin Falls, ID 83301
SuperSaver Savings
5.00%
$0
Rate5.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
SmartPlus Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $500.00

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
Explorer Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $500.00; Learn More

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID 83647
Youth Savings Account
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID 83647
Loyalty Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
First Time Home Buyer Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Beehive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
1087 Erikson Dr, Rexburg, ID 83440
Missionary Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Qualifying balance up to $12,000.00

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID 83647
High Yield Savings
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Business Money Market Savings Account
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
IRA Variable Rate Savings
3.56%
$50
Rate3.50%
Min Deposit$50
Min Balance
UpdatedMar 16, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
$mart Cents savings
3.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Qualifying balance up to $5,000

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID 83647
High Yield Savings
3.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
$mart Cents Savings
3.44%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Health Care Idaho Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
520 S Eagle Rd, Meridian, ID 83642 6351
High-Yield Online Savings
3.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

As High As

Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
High-Yield Online Savings Account
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Business Money Market Savings Account
3.20%
$0
Rate3.15%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
520 5th Ave, Sandpoint, ID 83864 1519
HomeStart Savings
3.03%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifications Required: Bundle with a Horizon checking account (excluding - Tether and Explorer Checking); 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; Qualifying balance up to $50,000; $2,000 lender credit for first-time homebuyers

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Elite Money Market Savings*
3.01%
$0
Rate2.97%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Beehive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
1087 Erikson Dr, Rexburg, ID 83440
Missionary Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

incredibly high

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID 83647
High Yield Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
707 S 9th Ave, Pocatello, ID 83209
Money Market Plus Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

New Money Promo

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
High-Yield Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

On a $250,000+ balance.

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Business Money Market Savings Account
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1500 Main Ave, Saint Maries, ID 83861
High Yield Relationship Savings
2.63%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

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.

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1500 Main Ave, Saint Maries, ID 83861
High Yield Relationship Savings
2.58%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1500 Main Ave, Saint Maries, ID 83861
High Yield Relationship Savings
2.53%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID 83647
High Yield Savings
2.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Gesa Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
317 S Beck Rd, Post Falls, ID 83854
High-Yield Savings
2.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

On a $100,000 - $249,999.99 balance.

SEI Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.32%
555 N 5th Ave, Pocatello, ID 83201
High Yield Savings
2.35%
$0
Rate2.33%
Min Deposit$0
Min Balance
UpdatedMar 11, 2026
Details

Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
High-Yield Savings Account
2.35%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
High-Yield Savings Account
2.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1500 Main Ave, Saint Maries, ID 83861
High Yield Relationship Savings
2.28%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
High-Yield Savings Account
2.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Westmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
815 1st St, Idaho Falls, ID 83401 4080
High-Yield Savings Account
2.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID 83647
High Yield Savings
2.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1500 Main Ave, Saint Maries, ID 83861
High Yield Relationship Savings
2.02%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Beehive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
1087 Erikson Dr, Rexburg, ID 83440
Student Savings
2.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Qualifying balance up to $1,500.00

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Business Money Market Savings Account
1.75%
$0
Rate1.74%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID 83647
High Yield Savings
1.70%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Banner Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1500 Main Ave, Saint Maries, ID 83861
High Yield Relationship Savings
1.51%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Lookout Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.01%
707 S 9th Ave, Pocatello, ID 83209
Money Market Plus Savings
1.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Money market savings balance over $10,000

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
High Yield Savings
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Qualifying balance up to $50,000.00

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Business Money Market Savings Account
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID 83647
High Yield Savings
1.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Premier Money Market Savings*
1.36%
$0
Rate1.35%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Premier Money Market Savings*
1.26%
$0
Rate1.25%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Premier Money Market Savings*
1.16%
$0
Rate1.15%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Pioneer Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.77%
250 W 3rd S, Mountain Home, ID 83647
High Yield Savings
1.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Bell Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.41%
172 S Academy Ave, Eagle, ID 83616
Money Market Savings
1.06%
$0
Rate1.05%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Farmers Bank Buhl, ID
Institution Rating:
A-5.0 ★Texas Ratio: 15.15%
914 Main St, Buhl, ID 83316
Savings
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Education Savings Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

CAPITAL EDUCATORS
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
12195 W McMillan Rd, Boise, ID 83713 2475
Rise Youth and Young Adult Savings Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
$mart Cents savings
0.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
e-Savings
0.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
Health Savings account
0.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
Idaho Medical Savings account
0.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
3113 S 25th E, Ammon, ID 83406
Savings
0.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.

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.

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Murphy, 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 Murphy, 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 Murphy, Idaho

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Idaho, help your money grow faster through a higher APY.

Are savings accounts in Murphy, Idaho safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Idaho up to $250,000 per depositor, per institution.

How often do savings rates change in Murphy, Idaho?

Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Idaho rate tables daily to ensure you see the most current high-yield options.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Murphy, Idaho may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Murphy, Idaho?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Murphy, Idaho offer in-person customer service, which some customers prefer.

How do I open a savings account in Murphy, Idaho?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Murphy, Idaho

Here are recent savings rates observed in Murphy, Idaho and the surrounding area:
  • Responders Emergency Services Credit Union
    Savings Account — 12.00% APY
  • First FSB of Twin Falls
    SuperSaver Savings — 10.47% APY
  • Spokane Teachers Credit Union
    First5 savings — 5.10% APY
  • Gesa Credit Union
    SmartPlus Savings — 5.00% APY
  • Pioneer Federal Credit Union
    Youth Savings Account — 5.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Murphy, Idaho. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 20, 2026