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Compare Savings Rates in Idaho – March 2026

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Current Idaho Savings Rates and MMA Rates

Current rates from Responders Emergency Services Credit Union include a Savings Account at 12.00% APY. For those in Idaho, First FSB of Twin Falls lists a SuperSaver Savings at 10.47%. Current rates from Spokane Teachers Credit Union include a First5 Savings at 5.10% APY. Gesa Credit Union has a Explorer Savings available at 5.00% APY (min deposit $0).

Find the best savings and money market 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 traditional savings account or a high-yield option in ID, comparing APYs is the best way to maximize your interest earnings.

The following rates reflect recent market quotes and representative offers available to Idaho depositors. Actual savings rates may vary by financial institution and market conditions.

Last Updated and Verified: March 5, 2026

Savings Rates in Idaho and Area

  • Savings Account:
    12.00%
  • SuperSaver Savings:
    10.47%
  • First5 Savings:
    5.10%
  • Explorer Savings:
    5.00%
  • Loyalty Savings:
    5.00%

Rates shown are recent market averages and representative quotes. Actual rates may vary.

Last Updated and Verified: March 5, 2026

Best Idaho and Area Savings Rates & Money Market Rates

Bank / Credit Union
Product
APY
Min Deposit
Responders Emergency Services Credit Union Post Falls, ID
Savings Account
12.00%
$0
Rate 12.00%
Min Deposit $0
Last Updated 03/05/2026
Details Dividends Paid Monthly; Maximum Balance $1,200

First FSB of Twin Falls Twin Falls, ID
SuperSaver Savings
10.47%
$0
Rate 10.47%
Min Deposit $0
Last Updated 03/05/2026
Details Earns 10.47% APY on balances $0.01 to $500.00; 5.00% interest on $500.01 to $1,000.00 which ranges from 10.47% to 7.79% APY; 1.00% interest on $1,000.01 to $2,000.00 which ranges from 7.79% to 4.40% APY; 0.10% interest on Greater than $2,000.00 which ranges from 4.40% to 0.10% APY

Spokane Teachers Credit Union Rathdrum, ID
First5 Savings
5.10%
$0
Rate 5.10%
Min Deposit $0
Last Updated 03/05/2026
Details Balances above $500 earn 0.25% APY. Rate is subject to change and may change after the account is opened. STCU membership is required to open account and fees may reduce earnings. One First5 Savings Account per person.

Gesa Credit Union Post Falls, ID
Explorer Savings
5.00%
$0
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details On the first $0 - $500 balance.?

Pioneer Federal Credit Union Twin Falls, ID
Loyalty Savings
5.00%
$0
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details

Gesa Credit Union Post Falls, ID
SmartPlus Savings
5.00%
$0
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details On your first qualified $500 in balances.

Pioneer Federal Credit Union Twin Falls, ID
Youth Savings Account
5.00%
$0
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details

CAPITAL EDUCATORS Twin Falls, ID
Business Money Market Savings Account
4.00%
$0
Rate 4.00%
Min Deposit $0
Last Updated 03/05/2026
Details

Westmark Credit Union Twin Falls, ID
First Time Home Buyer Savings
4.00%
$0
Rate 4.00%
Min Deposit $0
Last Updated 03/05/2026
Details

Pioneer Federal Credit Union Twin Falls, ID
High Yield Savings
4.00%
$0
Rate 4.00%
Min Deposit $0
Last Updated 03/05/2026
Details

America First Federal Credit Union Rexburg, ID
Money Market
3.90%
$0
Rate 3.90%
Min Deposit $0
Last Updated 03/05/2026
Details $1,000,000.00+

Goldenwest Federal Credit Union Rexburg, ID
Insured Money Market Account
3.70%
$0
Rate 3.70%
Min Deposit $0
Last Updated 03/05/2026
Details

Bell Bank Eagle, ID
IRA Variable Rate Savings
3.56%
$0
Rate 3.56%
Min Deposit $0
Last Updated 03/05/2026
Details

The Bank of Commerce Terreton, MT
$mart Cents savings
3.50%
$0
Rate 3.50%
Min Deposit $0
Last Updated 03/05/2026
Details $0 - $5,000

Pioneer Federal Credit Union Twin Falls, ID
High Yield Savings
3.50%
$0
Rate 3.50%
Min Deposit $0
Last Updated 03/05/2026
Details

Potlatch No 1 Financial Credit Union Walla Walla, WA
Money Market Account
3.49%
$0
Rate 3.49%
Min Deposit $0
Last Updated 03/05/2026
Details Qualifying Bump Rate

America First Federal Credit Union Rexburg, ID
Money Market
3.45%
$0
Rate 3.45%
Min Deposit $0
Last Updated 03/05/2026
Details $250,000.00-$999,999.99

Goldenwest Federal Credit Union Rexburg, ID
Insured Money Market Account
3.40%
$0
Rate 3.40%
Min Deposit $0
Last Updated 03/05/2026
Details

Potlatch No 1 Financial Credit Union Walla Walla, WA
Money Market Account
3.39%
$0
Rate 3.39%
Min Deposit $0
Last Updated 03/05/2026
Details Qualifying Bump Rate

Goldenwest Federal Credit Union Rexburg, ID
Insured Money Market Account
3.35%
$0
Rate 3.35%
Min Deposit $0
Last Updated 03/05/2026
Details

Potlatch No 1 Financial Credit Union Walla Walla, WA
Money Market Account
3.29%
$0
Rate 3.29%
Min Deposit $0
Last Updated 03/05/2026
Details Qualifying Bump Rate

Health Care Idaho Credit Union Meridian, ID
High-Yield Online Savings
3.25%
$0
Rate 3.25%
Min Deposit $0
Last Updated 03/05/2026
Details

Idaho Central Credit Union Twin Falls, WA
High-Yield Online Savings Account
3.25%
$0
Rate 3.25%
Min Deposit $0
Last Updated 03/05/2026
Details

CAPITAL EDUCATORS Twin Falls, ID
Business Money Market Savings Account
3.20%
$0
Rate 3.20%
Min Deposit $0
Last Updated 03/05/2026
Details

First FSB of Twin Falls Twin Falls, ID
Business Money Market
3.04%
$0
Rate 3.04%
Min Deposit $0
Last Updated 03/05/2026
Details Equal to or greater than $2,500,000.00

First FSB of Twin Falls Twin Falls, ID
Money Market
3.04%
$0
Rate 3.04%
Min Deposit $0
Last Updated 03/05/2026
Details Equal to or greater than $2,500,000.00

Bell Bank Eagle, ID
Elite Money Market Savings
3.01%
$0
Rate 3.01%
Min Deposit $0
Last Updated 03/05/2026
Details Earns 3.01% APY on balances $25,000.00 to $99,999.99

Pioneer Federal Credit Union Twin Falls, ID
High Yield Savings
3.00%
$0
Rate 3.00%
Min Deposit $0
Last Updated 03/05/2026
Details

Gesa Credit Union Post Falls, ID
High-Yield Savings
3.00%
$0
Rate 3.00%
Min Deposit $0
Last Updated 03/05/2026
Details On a $250,000+ balance.?

Lookout Federal Credit Union Pocatello, ID
Money Market Plus Savings
3.00%
$0
Rate 3.00%
Min Deposit $0
Last Updated 03/05/2026
Details Check out our Money Market Plus New Money Promo that pays 3.00% APY

Rogue Credit Union Payette, ID
MyMoney Market
3.00%
$0
Rate 3.00%
Min Deposit $0
Last Updated 03/05/2026
Details

Spokane Teachers Credit Union Rathdrum, ID
Member Preferred Money Market
2.79%
$0
Rate 2.79%
Min Deposit $0
Last Updated 03/05/2026
Details APY effective 12/2/25

CAPITAL EDUCATORS Twin Falls, ID
Business Money Market Savings Account
2.75%
$0
Rate 2.75%
Min Deposit $0
Last Updated 03/05/2026
Details

America First Federal Credit Union Rexburg, ID
Money Market
2.70%
$0
Rate 2.70%
Min Deposit $0
Last Updated 03/05/2026
Details $100,000.00-$249,999.99

Goldenwest Federal Credit Union Rexburg, ID
Insured Money Market Account
2.65%
$0
Rate 2.65%
Min Deposit $0
Last Updated 03/05/2026
Details

Northwest Bank Seattle, WA
Money Market Plus - Personal & Business
2.65%
$500,000
Rate 2.65%
Min Deposit $500,000
Last Updated 03/05/2026
Details $500,000 and above

First FSB of Twin Falls Twin Falls, ID
Business Money Market
2.63%
$0
Rate 2.63%
Min Deposit $0
Last Updated 03/05/2026
Details Equal to or greater than $1,000,000.00 but less than $2,500,000.00

First FSB of Twin Falls Twin Falls, ID
Money Market
2.63%
$0
Rate 2.63%
Min Deposit $0
Last Updated 03/05/2026
Details Equal to or greater than $1,000,000.00 but less than $2,500,000.00

Banner Bank Twin Falls, ID
High Yield Relationship Savings
2.58%
$0
Rate 2.58%
Min Deposit $0
Last Updated 03/05/2026
Details Earns tiered interest between 0.25% APY and 2.63% APY. Rates may change. Interest is compounded daily and credited quarterly; Online Only

Potlatch No 1 Financial Credit Union Walla Walla, WA
Money Market Account
2.58%
$0
Rate 2.58%
Min Deposit $0
Last Updated 03/05/2026
Details Qualifying Bump Rate

Banner Bank Twin Falls, ID
High Yield Relationship Savings
2.53%
$0
Rate 2.53%
Min Deposit $0
Last Updated 03/05/2026
Details Earns tiered interest between 0.25% APY and 2.63% APY. Rates may change. Interest is compounded daily and credited quarterly; Online Only

Pioneer Federal Credit Union Twin Falls, ID
High Yield Savings
2.50%
$0
Rate 2.50%
Min Deposit $0
Last Updated 03/05/2026
Details

Gesa Credit Union Post Falls, ID
High-Yield Savings
2.50%
$0
Rate 2.50%
Min Deposit $0
Last Updated 03/05/2026
Details On a $100,000 - $249,999.99 balance.

Potlatch No 1 Financial Credit Union Walla Walla, WA
Money Market Account
2.47%
$0
Rate 2.47%
Min Deposit $0
Last Updated 03/05/2026
Details Qualifying Bump Rate

SEI Federal Credit Union Pocatello, ID
High Yield Savings
2.35%
$0
Rate 2.35%
Min Deposit $0
Last Updated 03/05/2026
Details Balances Above $1,000; *High Yield Savings - Rates are tiered based on deposit amounts.

Westmark Credit Union Twin Falls, ID
High-Yield Savings Account
2.35%
$0
Rate 2.35%
Min Deposit $0
Last Updated 03/05/2026
Details Earns 2.35% APY on balances $500,000 and Higher

Westmark Credit Union Twin Falls, ID
High-Yield Savings Account
2.30%
$0
Rate 2.30%
Min Deposit $0
Last Updated 03/05/2026
Details Earns 2.30% APY on balances $250,000 to $499,999

Banner Bank Twin Falls, ID
High Yield Relationship Savings
2.28%
$0
Rate 2.28%
Min Deposit $0
Last Updated 03/05/2026
Details Earns tiered interest between 0.25% APY and 2.63% APY. Rates may change. Interest is compounded daily and credited quarterly; Online Only

Westmark Credit Union Twin Falls, ID
High-Yield Savings Account
2.20%
$0
Rate 2.20%
Min Deposit $0
Last Updated 03/05/2026
Details Earns 2.20% APY on balances $100,000 to $249,999

First FSB of Twin Falls Twin Falls, ID
Business Money Market
2.12%
$0
Rate 2.12%
Min Deposit $0
Last Updated 03/05/2026
Details Equal to or greater than $500,000.00 but less than $1,000,000.00

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. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Idaho directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions' own digital properties and manually verifying the yields daily, we ensure that every savings rate displayed on savingsaccount.monitorbankrates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Idaho. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized savings rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield savings accounts from large national institutions available to savers in ID.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly based on market conditions, every single savings product listed on our platform features its own specific "last updated" date. This gives you absolute transparency into exactly when that specific yield was confirmed.

Disclaimer: Savings rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in Idaho. It is always advisable to check with the specific financial institution's official website for the most current offers and terms. Last Updated and Verified: March 5, 2026

How to Find the Best Savings Account in Idaho

  1. Compare APY (Annual Percentage Yield) The APY determines how much interest you will earn in a year. Unlike simple interest, APY includes compound interest. Always look for the highest APY to maximize your earnings.
  2. Check Minimum Deposit Requirements Some high-yield savings accounts require a large initial deposit (e.g., $5,000 or $10,000) to earn the advertised rate. Ensure you can meet these minimums before applying.
  3. Review Monthly Fees Avoid accounts that charge monthly maintenance fees, as these can eat into your interest earnings. Many online banks and credit unions offer no-fee savings accounts.
  4. Verify FDIC or NCUA Insurance Ensure your money is safe. Banks should be FDIC insured, and Credit Unions should be NCUA insured. This protects your deposits up to $250,000 per depositor.

Frequently Asked Questions for Idaho

What are the current savings rates in Idaho and the surrounding area
Below is a list of current savings and money market rates available for Idaho. We track lenders daily to provide the most up-to-date APY and term information.

Lender / Product
APY
Min Dep
Responders Emergency Services Credit Union
Savings Account
12.00%
$0
First FSB of Twin Falls
SuperSaver Savings
10.47%
$0
Spokane Teachers Credit Union
First5 Savings
5.10%
$0
Gesa Credit Union
Explorer Savings
5.00%
$0
Pioneer Federal Credit Union
Loyalty Savings
5.00%
$0
Lender / Product
APY
Min Dep
Gesa Credit Union
SmartPlus Savings
5.00%
$0
Pioneer Federal Credit Union
Youth Savings Account
5.00%
$0
CAPITAL EDUCATORS
Business Money Market Savings Account
4.00%
$0
Westmark Credit Union
First Time Home Buyer Savings
4.00%
$0
Pioneer Federal Credit Union
High Yield Savings
4.00%
$0
Last Updated and Verified: March 5, 2026
What is a High-Yield Savings Account?
A high-yield savings account is a type of savings account that pays a significantly higher interest rate (APY) than standard savings accounts. These are often offered by online banks that have lower overhead costs than traditional brick-and-mortar banks.
Are online savings accounts safe?
Yes, as long as the online bank is FDIC insured. This provides the same level of protection (up to $250,000 per depositor) as a traditional bank. Always check for the FDIC logo on the bank's website.
Can I withdraw money from a savings account anytime?
Yes, but there are limits. Federal Regulation D used to limit certain withdrawals to 6 per month, though this has been suspended. However, individual banks may still enforce transaction limits or charge fees for excessive withdrawals.
Do savings rates change?
Yes, savings rates are variable and can change at any time based on the Federal Reserve's benchmark interest rates and market conditions. Unlike a CD (Certificate of Deposit), your savings rate is not locked in.

Cities in Idaho