Highest Money Market Rates in Idaho
12 Idaho-specific accounts
Top Idaho Rate:3.30% APYFDIC or NCUA Insured
The Idaho market
Idaho accounts
12
Institutions
9
Top Idaho APY
3.30% APY
Nationally: 4.00% APY
FDIC national average
0.63%
As of Sep 2026
12 money market accounts are open only to Idaho residents, from 9 institutions. The highest advertised APY among them is 3.30%.
The highest nationally available rate is 4.00% APY, 70 basis points above the Idaho leader.
10 of the 12 Idaho money market accounts advertise more than the FDIC national average of 0.63% for money market accounts as of Sep 2026.
Idaho-Specific Money Market Accounts
Money market accounts specifically available to Idaho residents.
| Institution | Product / Term | APY |
|---|---|---|
| Portage Bank | New Frontiers Money Marketneeds at least $500,000 | Up to3.30% |
| Bell Bank | Elite Money Market Savings | 3.01% |
| BMO Bank | Growth Money Marketrelationship rate from $250,000 · 0.05% to 2.24% without the relationship | Up to2.76% |
| Gateway First Bank | Gateway Money Marketneeds at least $25,000 | Up to2.50% |
| Northwest Bank | Money Market Plusneeds at least $500,000 | Up to2.50% |
| The Bank of Commerce | Money Marketneeds at least $50,000 | Up to2.12% |
| Washington Trust Bank | Signature Money Marketneeds at least $500,000 | Up to2.02% |
| WaFd Bank | High Yield Money Marketneeds at least $500,000 | Up to2.00% |
| Bell Bank | Premier Money Market Savingsneeds at least $500,000 | Up to1.36% |
| Washington Trust Bank | Preferred Money Marketneeds at least $100,000 | Up to0.75% |
| Heritage Bank | Cascade Money Marketneeds at least $500,000 | Up to0.30% |
| WaFd Bank | Money Marketneeds at least $15,000 | Up to0.20% |
Nationally Available Money Market Accounts
The 8 highest-rate money market accounts available nationwide, including in Idaho.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Prime Alliance Bank | Personal Money Market | 3.90% |
| Quontic Bank | Money Market Account | 3.90% |
| Customers Bank | Ascent Money Market Savings Account | 3.63% |
| Sallie Mae Bank | Money Market Account | 3.60% |
| FNBO Direct | Online Money Market Accountneeds at least $500,000 | Up to3.55% |
| U.S. Bank | Elite Money Marketbalances of $25,000 to $9,999,999,999.99 only | Up to3.40% |