Best 6-Month CD Rates in Idaho

Pros:

• NCUA Insured to at least $250,000
•  Dividend can be compounded in certificates / deposited to another share/ transferred to another institution
•  Option to renew on the maturity

Rules:

• Any withdrawal before maturity is charged with a penalty
• Penalty= amount of the withdrawal x  the remaining term (days) of the certificate at the rate of 2x the current APR (divided by 365

Pros:

• High-interest rates.
• Offer mobile and online banking.
• Access to more than 99,000 surcharge-free ATMs.
• Competitive interest rates on checking, savings, and CDs

Rules:

• FDIC insured1 and protected
•  If the account is closed before interest is credited
• Must have a Bank account for online banking
• Withdrawals before the maturity date are subject to penalties

Pros:

• Easy renewal without any conditions
• Can be accessed at the branch, mobile or online
• Insured by NCUA insurance

Rules:

• Dividends are calculated on a simple interest basis
• Monthly dividends are paid on CD maturity

Pros:

• No minimum balance
• Easiest penalty terms
• CD ladder strategy to avoid penalty
• Interest can be withdrawn anytime without penalty
• FDIC insured up to $250,000

Rules:

• Interest is calculated monthly and credited to the account at the end of the month
• Penalty on premature withdrawal.

Pros:

• No foreign transaction fee.
• A fixed, competitive annual percentage rate
• No need to reapply for new funding for additional school terms

Rules:

• Penalties apply on early withdrawal and may reduce earnings.
• Dividends are compounded and credited on a monthly basis
• Average daily balance method

Pros:

• One of the highest APY
• 24X7 account access
• FDIC insured deposits
• 24/7 customer support

Rules:

• A minimum balance of $10000 must be maintained in the account to earn interest
• Interest is accrued and compounded monthly and transferred to the account at the end of the month.
• Premature withdrawals are exposed to penalty

Pros:

• No monthly fee, ATM charges & minimum deposit needed
• Pay bills to anyone through the United States
•  Offers an annual percentage yield of up to 2%

Rules:

• Limit one per social security number.
• A minimum daily balance of $25.00 is required to earn dividends.
• The rate changes once the balance exceeds $5,000.
• Dividends are compounded daily and paid quarterly.

Pros:

• NCUA Insured to at least $250,000
•  Dividends can be compounded in certificates / deposited to another share/ transferred to another institution
•  Option to renew on the maturity

Rules:

• Any withdrawal before maturity is charged with a penalty
• Penalty= amount of the withdrawal x  the remaining term (days) of the certificate at the rate of 2x the current APR (divided by 365)
• Dividends are paid at the end of the month

Pros:

• Excellent for earning a competitive interest rate on a savings account or CD.
• Without monthly services.
• Free domestic incoming wire transfers on savings account

Rules:

• APYs are subject to change at any time without notice
•  The penalty will be applied for early withdrawals on CDs
• At maturity, your CD will automatically renew and earn the base interest rate

Pros:

• Competitive APYs on online CDs and high-yield savings accounts
• Fee-free access to 55,000 all ATM networks.
• Digital banking access online and via an app

Rules:

• Interest rates and APYs are subject to change without notice.
• Early withdrawal will reduce earnings and impose the penalty
• APY on all services will remain deposited until maturity.

Pros:

• High-yield checking account with simple monthly fee waivers
• Online savings account with a high dividend yield
• Opening checking and savings accounts require a low minimum deposit.

Rules:

• Dividends are calculated using simple interest.
• Monthly dividends are paid on CD rates.
• Restricted to those with close ties to the military and the federal government

Pros:

• Hasslefree and Instant account opening
• Customer support avail all seven days of a week

Rules:

• CD rate can change at any time and hence customers are required to check the prevailing rates
• Interest is added to the principal at every month’s end
• It can be withdrawn without any penalty

Pros:

• Low minimum balance requirement
• Insured up to $500,000 by National Credit Union Administration (NCUA) and Excess Share Insurance Corporation (ESI)
• No monthly fees

Rules:

• The dividend is compounded and credited on a monthly basis
• Complete the term to avoid penalties

Pros:

• Hassle-free account opening
• Best reinvestment options available
• $1 million per account and $10 million limit per customer maximum deposit limit
• No hidden fees
• Free monthly maintenance
• Auto-renew facility available

Rules:

• Interest is accrued and compounded on daily basis and credited to the account on a monthly basis

Pros:

• No minimum balance
• Low penalty on early withdrawal
• Anytime interest withdrawal without penalty
• FDIC insured up to $250,000

Rules:

• Interest is calculated on a monthly basis and credited to the account at end of every month
• Premature withdrawal is charged with a penalty

Pros:

• Competitive APYs on online CDs and high-yield savings accounts
• Fee-free access to 55,000 all ATM networks.
• Digital banking access online and via an app

Rules:

• Interest rates and APYs are subject to change without notice.
• Early withdrawal will reduce earnings and impose the penalty
• APY on all services will remain deposited until maturity.

Pros:

• High-interest rates.
• Offer mobile and online banking.
• Access to more than 99,000 surcharge-free ATMs.
• Competitive interest rates on checking, savings, and CDs

Rules:

• FDIC insured1 and protected
•  If the account is closed before interest is credited
• Must have a Bank account for online banking
• Withdrawals before the maturity date are subject to penalties

Pros:

• Hassle-free account opening
• Best reinvestment options available
• $1 million per account and $10 million limit per customer maximum deposit limit
• No hidden fees
• Free monthly maintenance
• Auto-renew facility available

Rules:

• Interest is accrued and compounded on daily basis and credited to the account on a monthly basis

Pros:

• Easy online and mobile access.
• Checking account dividends are compounded daily and paid monthly
• 85,000 free ATM network access nationwide.
• Competitive APY rates.

Rules:

• NCUA insured.
• Rates are the same and are subject to change.
• Penalties applied for early withdrawal.
• The penalty will be 30% of the gross amount of dividends after 365 days of the open date.

Pros:

• You can earn a high yield.
• SAfe CDs with low-risk involvement.

Rules:

• More than 1 year but less than 4 years penalty applied for 180 days of simple interest
• Deposit accounts are insured up to $250,000 per ownership category.

Pros:

• $1,500 minimum opening deposit
• FDIC insured
• Zero service charges
• Interest Accrued and compounded daily & Credited and posted monthly

Rules:

• APYs are subject to change at any time without notice
• The penalty will be applied for early withdrawals on CDs
• The penalty is calculated based on 365 days of simple interest.
• $25 per outgoing wire transfer
• Auto-renew at maturity or cash out without penalty within the 10-day grace period

Pros:

• No monthly fees on savings account
• Competitive rates on savings and CDs
• Access your account 24/7 from desktop or mobile.
• All deposits are FDIC-insured.

Rules:

• Penalty is 730 days of simple interest
• Interest earned may vary
• fees may reduce the aggregate balance on the account.
• minimum deposit of $10,000 is required for all CDs.

Pros:

• Best APY rate
• No minimum balance required
• High yield savings options
• No penalty on premature interest withdrawal
• 10 days grace period after maturity to add more funds to the CD

Rules:

• The interest is compounded monthly and added to the account at the end of the month.
• There is no minimum balance required to earn interest.
• Also no penalty on premature withdrawals.

Pros:

• High-yield checking account with easy-to-waive monthly fees
• Opening checking and savings accounts require a low minimum deposit.
• Online savings account with a competitive dividend rate

Rules:

• On early withdrawal, account earnings will be reduced.
• Require a written notice of up to 60 days of the intention to withdraw funds

Pros:

• Competitive APYs on online CDs and high-yield savings accounts
• Fee-free access to 55,000 all ATM networks.
• Digital banking access online and via an app

Rules:

• Interest rates and APYs are subject to change without notice.
• Early withdrawal will reduce earnings and impose the penalty
• APY on all services will remain deposited until maturity.