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Savings Accounts

Whether you’re looking to save for a rainy day fund or a specific purchase, having a savings goal in mind will help you choose the right account.

Classic Savings Account

This account has everything you need to start or continue your savings for any purpose. This is your credit union membership.

  • Dividend / Interest Earning

  • NCUA Insured up to $250,000

  • Unlimited deposits & withdrawals

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Classic Savings Rates

APY* Interest Rate
0.05% 0.05%

Rates effective as of January 6th, 2022

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Money Market

An Insured Money Market Account that is competitive with other savings products in the marketplace. This account’s deposit rates can increase as you add more money to it.

A Money Market is a savings account that offers a higher interest rate than a traditional savings account. You can use the Money Market to grow your savings and reach your financial goals. If you are looking for a long term account with high yield, this is the account for you.

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Money Market Rates

Balance APY* Rate
$0–$2,500 0.05% 0.05%
$2,500–$20,000 0.10% 0.10%
$20,000–$75,000 0.15% 0.15%
$75,000+ 0.20% 0.20%

Rates effective as of January 6th, 2022

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Velocity Money Market

Our new Velocity Money Market account offers tiered interest rates with unbeatable returns. Each tier earns its own interest rate so the more money you save, the more money you can earn!

  • TIER 1:
    Your first $50,000 earns 0.20% APY*

  • TIER 2:
    Your next $25,000 earns 0.50% APY*

  • TIER 3:
    Your next $25,000 earns 1.00% APY*

  • TIER 4:
    Your next $50,000 earns 1.50% APY*

  • TIER 5:
    Everything over $150,000 earns 2.00% APY*

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Velocity Money Market Rates*

Average Daily Balance Tiers APY*
First $50,000 ($0-$50,000) 0.20%
Next $25,000 ($50,000-$75,000) 0.50%
Next $25,000 ($75,000-$100,000) 1.00%
Next $50,000 ($100,000-$150,000) 1.51%
Everything over $150,000 2.02%

Rates effective as of 10/1/2022

Here’s an example of how much you could earn with a total balance of $185,000:

Tiered Balance APY* Annual Interest
$50,000 @ 0.20% = $100
$25,000 @ 0.50% = $125
$25,000 @ 1.00% = $250
$50,000 @ 1.51% = $755
$35,000 @ 2.02% = $707
Total Earned
$1,937

*Tier 1- Your daily balance in tier 1 ($0.00 up to $49,999.99) will earn an interest rate of 0.20% and an APY of 0.20%. Tier 2- Your daily balance in tier 2 ($50,000.00 up to $74,999.99) will earn an interest rate of 0.50% with a 0.50% APY. Tier 3- Your daily balance in tier 3 ($75,000.00 up to $99,999.99) will earn an interest rate of 1.00% with a 1.00% APY. Tier 4- Your daily balance in tier 4 ($100,000.00 up to $149,999.99) will earn an interest rate of 1.50% with a 1.51% APY. Tier 5- Your daily balance in tier 5 ($150,000.00 or more) will earn an interest rate of 2.00% with a 2.02% APY. Your interest rate and annual percentage yield are subject to change. At our discretion, we may change the interest rate on your account. All applicants must meet East Idaho Credit Union account opening requirements. Some restrictions may apply.

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Individual Retirement Account (IRA)

Invest in a secure future for you and your family with an Individual Retirement Account (IRA). It is never too early to start saving for retirement, and we provide you with the tools to do so.

Individual Retirement Accounts (IRAs) are savings accounts that offer tax advantages to help you save for retirement. IRAs are a great way to supplement your other retirement savings, such as a 401(k) or pension.

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IRA Rates

APY* Interest Rate
0.05% 0.05%

Rates effective as of January 6th, 2022

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Certificates of Deposit (CDs)

A Certificate of Deposit (CD) is a product offered by East Idaho Credit Union that provides an interest rate premium in exchange for the member agreeing to leave a lump-sum deposit untouched for a predetermined period of time.

For a limited time, take advantage of the following special rates when you open a new CD in branch:

Term Rate APY*
13 Months 2.89% 2.93%
17 Months 3.09% 3.13%
26 Months 3.28% 3.33%
33 Months 2.77% 2.80%
45 Months 2.77% 2.80%

*APY = Annual Percentage Yield. Effective as of 10/1/2022. East Idaho Credit Union reserves the right to end, alter, or otherwise adjust this promotional offer at any time and at their discretion. View Rate & Fee Schedule.

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Special CD Rates

For a limited time, take advantage of the following special rates when you open a new CD in branch:

Term Rate APY*
13 Months 2.89% 2.93%
17 Months 3.09% 3.13%
26 Months 3.28% 3.33%
33 Months 2.77% 2.80%
45 Months 2.77% 2.80%

Standard CD Rates

Term Rate APY*
6 Months 1.00% 1.00%
1 Year 1.25% 1.26%
2 Years 1.75% 1.76%
3 Years 2.25% 2.27%
4 Years 2.10% 2.12%
5 Years 2.00% 2.02%

*APY = Annual Percentage Yield. Effective as of 10/24/2022. East Idaho Credit Union reserves the right to end, alter, or otherwise adjust this promotional offer at any time and at their discretion. View Rate & Fee Schedule.

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Pickle Jar Savings

Our free Pickle Jar Savings Account attaches directly to your debit card and rounds up each transaction to the nearest dollar.

The difference will automatically be added to your Pickle Jar each day and you’ll be adding up savings without even trying! It’s an easy way to save money without any manual work.

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Pickle Jar Rates

APY* Interest Rate
0.10% 0.10%

Rates effective as of January 6th, 2022

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Youth & Teen Accounts

East Idaho Credit Union doesn’t discriminate on age. Don’t forget about the youth, we certainly didn’t! Because our young members are so important we encourage them to start saving money early. Help your children learn about the value of money and how they can start to manage it correctly.

Go ahead and start to learn what it means to control your own finances, we will be with you every step of the way with training and support.

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