Compare Savings Rates in Idaho – March 2026Current Idaho Savings Rates and MMA RatesCurrent 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
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 RatesBank / 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
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 SourcesDirect-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
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 IdahoAberdeen
Ahsahka
Albion
Almo
American Falls
Arbon
Arco
Arimo
Ashton
Athol
Atlanta
Atomic City
Avery
Bancroft
Banks
Basalt
Bayview
Bellevue
Bern
Blackfoot
Blanchard
Bliss
Bloomington
Boise
Bonners Ferry
Bovill
Bruneau
Buhl
Burley
Calder
Caldwell
Cambridge
Carey
Careywood
Carmen
Cascade
Castleford
Cataldo
Challis
Chester
Clark Fork
Clarkia
Clayton
Clifton
Cobalt
Cocolalla
Coeur D Alene
Colburn
Conda
Coolin
Corral
Cottonwood
Council
Craigmont
Culdesac
Dayton
Deary
Declo
Desmet
Dietrich
Dingle
Donnelly
Dover
Downey
Driggs
Dubois
Eagle
Eastport
Eden
Elk City
Elk River
Ellis
Emmett
Fairfield
Farmington
Felt
Fenn
Ferdinand
Fernwood
Filer
Firth
Fish Haven
Fort Hall
Franklin
Freedom
Fruitland
Fruitvale
Garden Valley
Genesee
Geneva
Georgetown
Gibbonsville
Glenns Ferry
Gooding
Grace
Grand View
Grangeville
Greencreek
Greenleaf
Hagerman
Hailey
Hamer
Hammett
Hansen
Harrison
Harvard
Hayden
Hazelton
Heyburn
Hill City
Holbrook
Homedale
Hope
Horseshoe Bend
Howe
Huston
Idaho City
Idaho Falls
Indian Valley
Inkom
Iona
Irwin
Island Park
Jerome
Jordan Valley
Juliaetta
Kamiah
Kellogg
Kendrick
Ketchum
Kimberly
King Hill
Kingston
Kooskia
Kootenai
Kuna
Laclede
Lake Fork
Lapwai
Lava Hot Springs
Leadore
Lemhi
Lenore
Letha
Lewiston
Lewisville
Lowman
Lucile
Mackay
Macks Inn
Malad City
Malta
Marsing
May
McCall
McCammon
Medimont
Melba
Menan
Meridian
Mesa
Middleton
Midvale
Minidoka
Monteview
Montpelier
Moore
Moreland
Moscow
Mountain Home
Mountain Home A F B
Moyie Springs
Mullan
Murphy
Murray
Murtaugh
Nampa
Naples
New Meadows
New Plymouth
Newdale
Nezperce
Nordman
North Fork
Notus
Nyssa
Oakley
Ola
Oldtown
Orofino
Osburn
Paris
Parker
Parma
Paul
Payette
Peck
Picabo
Pierce
Pinehurst
Pingree
Placerville
Plummer
Pocatello
Pollock
Ponderay
Porthill
Post Falls
Potlatch
Preston
Priest River
Princeton
Rathdrum
Reubens
Rexburg
Richfield
Rigby
Riggins
Ririe
Roberts
Rockland
Rogerson
Rupert
Sagle
Saint Anthony
Saint Charles
Saint Maries
Salmon
Samuels
Sandpoint
Santa
Shelley
Shoshone
Shoup
Silverton
Smelterville
Soda Springs
Spalding
Spencer
Spirit Lake
Springfield
Squirrel
Stanley
Star
Stites
Sugar City
Sun Valley
Swan Valley
Swanlake
Sweet
Tendoy
Tensed
Terreton
Teton
Tetonia
Thatcher
Troy
Twin Falls
Ucon
Victor
Viola
Wallace
Warren
Wayan
Weippe
Weiser
Wendell
Weston
White Bird
Wilder
Winchester
Worley
Yellow Pine
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