Interest Rates

Rates effective as of: 4/22/2024

Deposit Interest Rates (all rates APY*)
Money Market account – up to $49,999.99	1.46%
Money Market account- $50,000.00 and over	3.45%
Now account	0.20%
Health Savings account	0.50%
$mart Cents savings	5.00%
Savings	0.50%
e-Savings	0.50%
Idaho Medical Savings account	0.50%

* Annual Percentage Yield. Rates are subject to change. Fees may reduce earnings on these accounts.
Minimum balance may be required to open account. See account details for more information.

Certificates of Deposit $500 minimum to open (all rates APY*)
90 days	2.00%
12 month	3.50%
18 month	2.75%
24 month	2.50%
36 month	1.50%
48 month	1.00%

* Annual Percentage Yield. Rates are subject to change. There may be a substantial penalty for early withdrawal. Fees may reduce earnings on these accounts. Minimum balance may be required to open account. See account details for more information.

CD Plus - $200 min add on – no penalties waived – other banking relationship required (all rates APY*)
180 days	5.00%
11 month	4.50%
21 month	3.50%

* Annual Percentage Yeld. Rates are subject to change. There may be a substantial penalty for early withdrawal. Fees may reduce earnings on these accounts. Minimum balance may be required to open account. See account details for more information.

Individual Retirement accounts (IRAs) – deposits allowed (all rates APY*)
18 month variable	1.00%
18 month	2.75%
24 month	3.50%
36 month	1.50%
48 month	1.00%

* Annual Percentage Yield. Rates are subject to change.There may be a substantial penalty for early withdrawal. Fees may reduce earnings on these accounts. Minimum balance may be required to open account. See account details for more information.

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