Idaho Central Credit Union is the most credible financial institute that provides a range of CD rate options. It ensures that people have authentic opportunities to grow their savings through competitive interest rates and secure investment vehicles. In this regard, if you want to avail any short-term or long-term savings solution, ICCU’s CD offerings cater to diverse financial goals.

Let’s grab the basic idea about Idaho Central Credit Union CD Rates;

Idaho Central Credit Union CD Rates Offers

The Competitive CD offers of Idaho Central Credit Union are;

6 Month Promo CD

  • APY: 4.90%
  • Interest Rate: 4.90%
  • Initial Deposit: $500


  • Offers an attractive APY for accelerated returns.
  • A reasonable initial deposit requirement of $500.

Pros & Cons

High APYShort-term nature may limit returns
Low $500 depositLimited flexibility for longer goals

12 Month Promo CD

  • APY: 4.80%
  • Interest Rate: 4.715%
  • Initial Deposit: $500


  • Affordable Start – The $500 starting deposit makes this a very accessible option.

Pros & Cons

Competitive 5.100% APYModerate term may not suit all goals
Not the highest APY for one-year terms

18 Month Promo CD

  • APY: 4.50%
  • Interest Rate: 4.426%
  • Initial Deposit: $500


  • Balanced Duration – Strikes a balance between short and medium-term investments.

Pros & Cons

Stable APYMedium-term, not for short goals

24 Month Promo CD

  • APY: 4.25%
  • Interest Rate: 4.183%
  • Initial Deposit: $500


  • Two-Year Commitment – Suited for those with a longer investment horizon.

Pros & Cons

ProsA two-year commitment may be too long
Competitive 4.25% APYTwo-year commitment may be too long

60-Month Promo CD

  • APY: 3.750%
  • Interest Rate: 3.698%
  • Initial Deposit: $500


  • Specially, tailored for individuals with a more extended investment strategy.

Pros & Cons

Long-term 3.750% APYExtended commitment may limit liquidity

Are Idaho Central Credit Union CD Rates Competitive?

Idaho Central Credit Union offers competitive CD rates, especially when compared to national averages.

The specific rates provided for different CD terms, such as the 4.90% APY for the 6-month CD, 4.80% APY for the 12-month CD, and 4.50% APY for the 18-month CD, are notably attractive. These rates are generally higher than what many traditional banks offer for similar terms. The credit union’s focus on providing competitive returns, even for shorter durations, makes their CD options appealing for individuals seeking to grow their savings with relatively low initial deposits.

Overview Idaho Central Credit Union

First and foremost, Idaho Central Credit Union puts its customers first. Their mission is “Helping members achieve financial success”, which involves helping all of their clients reach their financial goals.

The ICCU headquarters are located in Chubbuck, Idaho but there are ICCU locations throughout Idaho. They are continuously expanding as a result of having the meet the needs of all of their clients.

Despite their success, however, ICCU remains attentive to their clients and is still determined to put their needs first.

Some of the perks of being an ICCU member include online banking which is available 24/7, a full range of services including Business Checking Accounts, Business Savings Accounts, and Business Loans, and low rates on loans, among other things.

ICCU was started in 1940 out of Boise, Idaho where they started with just under $300 in total assets. At the time, the credit union’s employees were not allowed to their credit union. But by 1997, things had changed completely.

At that point, ICCU had reached over $100 million in assets and only continued to grow more and more. To this day, ICCU has over $6 billion in assets and has over 400,000 members enrolled with them. They have even expanded to Washington.

If you are looking for a bank that will put your needs first, be sure to check out ICCU. They will be able to personalize just about any service for you no matter what.


In order to open up a CD with ICCU, you must already have an account with them. Once you do, you can apply for the CD.

Locations Idaho Central Credit Union 

Branches in Idaho

The branches in Idaho are:

American Falls, Blackfoot, Boise, Burley, Caldwell, Chubbuck, Coeur d Alene, Eagle, Hayden, Idaho Falls, Jerome, Kuna, Meridian, Nampa, Pierce, Pocatello, Post Falls, Rexburg, Star, and Twin Falls.

Frequently Asked Questions

Can I open an Idaho Central Credit Union CD online?

Yes, Idaho Central Credit Union provides online banking services, allowing members to open and manage CD accounts through their online platforms. This offers convenience and accessibility for those who prefer to handle their financial transactions digitally.

What happens when a CD matures?

When a CD matures, there is typically a grace period during which you can decide to renew the CD, make changes to the terms, or withdraw the funds without penalty. If no action is taken during this period, the CD may automatically renew under the same terms.

What is the minimum deposit required for Idaho Central Credit Union CDs?

The minimum deposit required for Idaho Central Credit Union CDs is $500. This makes it accessible to a wide range of investors

Can I add additional funds to my existing CD during the term?

Generally, Idaho Central Credit Union CDs have a fixed initial deposit, and additional funds cannot be added during the term. If you wish to contribute more funds, you may explore opening a new CD or other savings accounts offered by the credit union.