Idaho

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Credit Union CD Rates – 6-Month – Idaho

You are viewing rates from credit unions across Idaho





Below are the best six month CD Rates from credit unions in Idaho. Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

ID - July 31, 2025

6 Month CD National Average : 0.41% ?

Credit Unions APY MIN MILES ?

Rate History: 5.30% → 5.25% → 4.55% → 4.35%

| Feb 27, 2020

Always enjoy competitive CD rates, easy convenient loan processing, and staff is always Ben friendly a knowledgeable Read More

Rate History: 4.80% → 5.20% → 5.10% → 4.50% → 4.30%

Rate History: 5.50% → 5.25% → 4.65% → 4.35% → 4.15%

Rate History: 2.02% → 4.32% → 5.00% → 4.34% → 4.07%

Rate History: 4.50% → 4.40% → 4.25% → 3.90%

Rate History: 4.50% → 4.25% → 3.75% → 3.50% → 3.45%

Rate History: 0.25% → 3.50% → 3.25%

| Dec 22, 2021

STCU this rate is over twice what I was told at the credit union Read More

Rate History: 4.87% → 4.35% → 4.08% → 3.40% → 2.23%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

0.60%

$10,000

-

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0.50%

$100,000

-

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0.50%

$100,000

-

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0.40%

$10,000

-

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0.40%

$10,000

-

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0.40%

$10,000

-

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0.40%

$1,000

-

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| Dec 11, 2022

I'm not sure what's going on with you Numerica but I want my money. Your business Flags my card every single day while I am trying to conduct business on the internet. You have cost me thousands of dollars... Read More

0.35%

$10,000

-

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0.30%

$10,000

-

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| Dec 24, 2020

I would really love to be a fan. I really would. I know people who work at Westmark CU, whom I very much like and respect; and I like to support locally-owned businesses. But this latest debacle confirms t... Read More

0.30%

$100,000

-

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0.25%

$10,000

-

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0.20%

$10,000

-

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| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

0.15%

$10,000

-

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Edu


Restrictions

0.01%

$500

-

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All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007


Branch Street City State
AMERICA FIRST
Boise Office Boise Office Branch
10356 W Fairview Ave Boise ID
IDAHO CENTRAL
Idaho Central Idaho Central Branch
4400 Central Way Chubbuck ID
MOUNTAIN AMERICA
139 - Twin Falls 139 - Twin Falls Branch
1061 Blue Lakes Blvd N Twin Falls ID
CUTTING EDGE
Cutting Edge Cutting Edge Branch
2200 First St Lewiston ID
FIRST TECHNOLOGY
Addison Avenue Addison Avenue Branch
11311 Chinden Blvd., Bldg. 2L MS 265 Boise ID
SPOKANE TEACHERS
Spokane Teachers Spokane Teachers Branch
477181 N Highway 95 Ponderay ID
FRONTIER
Challis Challis Branch
493 S. US Highway 93 Challis ID
LEWIS CLARK
Lewis Clark Lewis Clark Branch
1626 17th St Lewiston ID
BEEHIVE
Beehive Beehive Branch
1087 ERIKSON DRIVE REXBURG ID
HORIZON
Horizon Horizon Branch
480 W Bonner Mall Way Ponderay ID
ADVANTAGE PLUS
Advantage Plus Advantage Plus Branch
2133 E. Center Street Pocatello ID
CONNECTIONS
Potelco United Potelco United Branch
1150 n 8th ave. pocatello ID
HORIZON
Horizon Horizon Branch
480 W Bonner Mall Way Ponderay ID
COTTONWOOD COMMUNITY
Cottonwood Community Cottonwood Community Branch
1606 Lewiston St Cottonwood ID
SILVERADO
Silverado Silverado Branch
18 12th Avenue So., Suite 115 Nampa ID
NUMERICA
Numerica Numerica Branch
465 W. Bosanko Ave Coeur D Alene ID
LATAH
Plummer Branch Plummer Branch
396062 Highway 95 Plummer ID
BEEHIVE
Beehive Beehive Branch
1087 ERIKSON DRIVE REXBURG ID
WESTMARK
Westmark Westmark Branch
2520 Channing Way Idaho Falls ID
CAPITAL EDUCATORS
Capital Educators Capital Educators Branch
275 S. Stratford Drive Meridian ID
TRUGROCER
Trugrocer Trugrocer Branch
501 E. Highland Boise ID
CAPITAL EDUCATORS
Capital Educators Capital Educators Branch
275 S. Stratford Drive Meridian ID
TRUGROCER
Trugrocer Trugrocer Branch
501 E. Highland Boise ID
GLOBAL
Global Global Branch
320 E Neider Coeur D Alene ID
LOOKOUT
Idaho State Universi Idaho State Universi Branch
353 N 4th Suite 210 Pocatello ID


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator  in order to understand the importance of compounding interest at higher rates on your money over time.

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