Member Service (208) 656-1000

Toll Free (800) 972-4483

Certificates of Deposit

Certificates of Deposit

Why a CD?

Certificates of Deposit (CD) are a simple way of investing your savings. You agree to keep a certain amount of money in an account for a certain amount of time and are rewarded with a higher rate of return than our savings accounts. The chart below shows the different terms and rates of our CDs.

These rates also apply to the Term Certificates for IRA’s, SEP Plans, and Coverdell Education Savings Accounts. Minimum balance is $500 for Term Certificates.

$500-24,999$25,000-49,999$50,000-74,999$75,000-99,999$100,000+
3 Month0.40%0.40%0.45%0.45%0.50%
6 Month1.05%1.05%1.10%1.10%1.15%
12 Month2.25%2.25%2.30%2.30%2.35%
15 Month Special*4.05%4.05%4.10%4.10%4.15%
18 Month2.50%2.50%2.55%2.55%2.60%
22 Month Special**4.25%4.25%4.30%4.30%4.35%
24 Month2.75%2.75%2.80%2.80%2.85%
30 Month Special***4.25%4.25%4.30%4.30%4.35%
36 Month3.25%3.25%3.30%3.30%3.35%
48 Month2.75%2.75%2.80%2.80%2.85%
60 Month2.50%2.50%2.55%2.55%2.60%

*Special requires direct payroll deposit, checking account, and active debit card. Call 208-656-1000 for details.

*15 month special is a one time bump and is for new money only.

**22 Month Special is for new money and rollovers but no early withdrawal option.

***30 Month Special is a one time bump and is for new money and rollovers. No broker funds and no early withdrawal rollovers. Must have direct deposit and checking account with active debit card.

Become a Member