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Editorial Disclosure APYs shown are actual verified rates sourced from banks’ and credit unions’ official websites. Your actual rate will depend on deposit amount, term, and eligibility.

CD Rates in Idaho, – March 2026

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Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| ✓Fact Checked | Last Updated: March 13, 2026

Search and compare Idaho, CD rates from banks and credit unions. Our CD interest rate tables for Idaho, include 3 month, 6 month, 12 month, 18 month, 24 month, 36 month, 48 month and 60 month rates. You can search for the best CD rates in Idaho, . MonitorBankRates also offers a free CD Calculator and CD Ladder Calculator.

Find the best CD rates in Idaho, today. Our real-time rate table below compares offers from top lenders to help you grow your savings. Whether you are looking for a short-term certificate or a long-term investment in , comparing APYs is the best way to maximize your earnings.

Rates reflect recent market quotes and representative offers available to depositors in Idaho, Category and the surrounding area. Last Updated and Verified: March 13, 2026

No 3 Months CD rates found for Idaho, currently.

No 6 Months CD rates found for Idaho, currently.

No 12 Months CD rates found for Idaho, currently.

No 18 Months CD rates found for Idaho, currently.

No 24 Months CD rates found for Idaho, currently.

No 36 Months CD rates found for Idaho, currently.

No 48 Months CD rates found for Idaho, currently.

No 60 Months CD rates found for Idaho, currently.

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CD Rates reflect actual verified offers from banks and credit unions actively accepting deposits in this area. Your final approved rate will depend on your deposit amount and eligibility. Last Updated and Verified: March 13, 2026

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal, please contact us here.

Idaho, Category Jumbo CD Rates

Jumbo CD rates in Idaho, Category are usually higher than standard Idaho, CD rates because they require a larger opening deposit. While regular CDs can often be opened with minimal funds, Idaho, Category jumbo certificates of deposit typically require a minimum opening balance of $100,000. Banks and credit unions in Idaho, Category and the surrounding area reward this larger commitment with premium CD rates that can significantly outperform standard savings or money market accounts. When opening these larger accounts, it is important to verify that your funds remain within FDIC or NCUA limits to ensure your principal is fully insured.

Idaho, Category Credit Union CD Rates

When comparing Idaho, CD rates from credit unions make sure to choose a Idaho, credit union that has deposits insured by the National Credit Union Administration (NCUA). This federal protection covers both your principal investment and any interest you have earned up to the limit, ensuring your savings remain safe even in the unlikely event of a credit union failure.

Idaho, Rates & Resources

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Idaho, Category Savings Rates
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Idaho, Category Mortgage Rates

Banks in Idaho,

Idaho FDIC Insured Banks

There are no FDIC insured banks in Idaho

How to Find the Best CD in Idaho, Category

  1. 1
    Compare APY
    The APY determines how much interest you will earn. Always look for the highest APY to maximize your earnings over the CD term.
  2. 2
    Check Minimums
    Some high-yield CDs require a larger initial deposit (e.g. $1,000 or $5,000). Ensure you can meet these minimums.
  3. 3
    Review Penalties
    CDs lock your money for a set term. If you withdraw early, you may face penalties (often 3-6 months of interest).
  4. 4
    Verify Insurance
    Ensure your money is safe. Banks should be FDIC insured, and Credit Unions should be NCUA insured up to $250,000.

Frequently Asked Questions for Idaho, Category

Below is a list of the top current CD rates available for Idaho, Category:
Neffs National Bank4.50% APY (12-Month CD)
ACMG Federal Credit Union4.35% APY (12-Month CD)
Centinel Bank of Taos4.35% APY (12-Month CD)
MCT Credit Union4.34% APY (12-Month CD)
Mid-America Bank4.30% APY (12-Month CD (Jumbo))
Mid-America Bank4.30% APY (60-Month CD (Jumbo))
GTE Financial Credit Union4.28% APY (12-Month CD (Jumbo))
Lake Elmo Bank4.27% APY (9-Month CD (Add-vantage))
IAM Federal Credit Union4.25% APY (12-Month CD)
America First Federal Credit Union4.20% APY (60-Month CD)
Last Updated and Verified: March 13, 2026
Yes, typically CD rates are fixed for the entire term (e.g. 1 year, 5 years). This protects you if market rates drop, but means you won't benefit if rates rise.
Yes, as long as the bank is FDIC insured or the credit union is NCUA insured, your deposit is protected up to $250,000.
Usually, no. Standard CDs require a one-time deposit at opening. To add more funds later, you would typically need to open a new CD.