Highest Savings Rates in Idaho
18 Idaho-specific accounts

By Aviel Fahl

Newest reading: October 13, 2026

Top Idaho Rate:5.00% APYFDIC or NCUA Insured

The Idaho market

Idaho accounts

Institutions

Top Idaho APY

5.00% APY

Nationally: 5.00% APY

FDIC national average

0.37%

As of Sep 2026

18 savings accounts are open only to Idaho residents, from 13 institutions. The highest advertised APY among them is 5.00%.

The highest nationally available rate is 5.00% APY, the same as the Idaho leader.

9 of the 18 Idaho savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Idaho-Specific Savings Accounts

These savings accounts are specifically available to Idaho residents.

#	Institution & Rate	Earned in a year at $10,000	Requirements & Features	Minimum Deposit
#1	PNC PNC High Yield Savings 3.15%APY Min. balance: $1 Observed: Oct 13, 2026 Show Details	+$315per year	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$0
#2	Citibank Citi Accelerate Savings 3.00%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$300per year	Deposit Insurance FDIC Insured Features No MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$0
#3	Gateway First Bank Gateway High Yield Savings 2.35%APY Observed: Oct 7, 2026 Show Details	+$235per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$1,000
#4	Farmers Bank Savings 0.50%APY Min. balance: $50 Observed: Oct 7, 2026 Show Details	+$50per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#5	Gateway First Bank Personal Savings 0.50%APY Observed: Oct 7, 2026 Show Details	+$50per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$10
#6	The Bank of Commerce Savings 0.50%APY Observed: Oct 7, 2026 Show Details	+$50per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#7	The Bank of Commerce e-Savings 0.50%APY Observed: Oct 7, 2026 Show Details	+$50per year	Deposit Insurance FDIC Insured Features No MinimumsIn-Person Access	$0
#8	Bell Bank Regular Savings 0.20%APY Min. balance: $50 Observed: Oct 13, 2026 Show Details	+$20per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#9	Portage Bank Regular Savings 0.15%APY Min. balance: $10 Observed: Oct 7, 2026 Show Details	+$15per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$10
#10	WaFd Bank Start Savings Up to5.00%APY On balances up to $500 · 2.50% above No min. balance for APY Observed: Oct 12, 2026 Show Details	+$10per yearEffective: 0.10%	Deposit Insurance FDIC Insured Requires Linked Account Features Low MinimumsIn-Person Access	$25
#11	WaFd Bank Savings 0.10%APY Min. balance: $100 Observed: Oct 12, 2026 Show Details	+$10per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25
#12	Washington Trust Bank Simplicity Savings 0.05%APY Min. balance: $1 Observed: Oct 7, 2026 Show Details	+$5per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$50
#13	Bank of America Advantage Savings 0.04%APY No min. balance for APY Observed: Oct 13, 2026 Show Details	+$4per year	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$100
#14	Heritage Bank Alpine Savings 0.04%APY Observed: Oct 7, 2026 Show Details	+$4per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#15	Heritage Bank Peak Savings Up to0.15%APY Needs at least $500,000 Observed: Oct 7, 2026 Show Details	+$4per yearEffective: 0.04%	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$100
#16	Bank of America Advantage Relationship Banking Up to0.02%APY Needs at least $50,000 Observed: Oct 13, 2026 Show Details	+$1per year	Deposit Insurance FDIC Insured Features Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported	$100
#17	BMO Bank Savings Builder 0.01%APY No min. balance for APY Observed: Oct 7, 2026 Show Details	+$1per year	Deposit Insurance FDIC Insured Features Low MinimumsIn-Person Access	$25

PNC

PNC High Yield Savings

+$315

per year

3.15% APY

Oct 13, 2026

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$1
Maintenance Fee	$0
Compound Freq	Monthly
Direct Deposit	Not required
Branches	Multiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI
Deposit Insurance	FDIC Insured(Cert: 6384)
Eligibility	AK, AR, CT, HI, ID, IA, LA, ME, MN, MS, MT, NE, NV, NH, ND, OK, OR, RI, SD, UT, VT, WA, WY
Zelle®	SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite.
Mobile Ratings	iOS:4.8 Android:4.4
BBB Rating	A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days

Official SitePNC

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Citibank

Citi Accelerate Savings

+$300

per year

3.00% APY

Oct 13, 2026

FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	$0.01
Maintenance Fee	$4.50. Waived for average monthly balances > $500
Compound Freq	Daily
Direct Deposit	Not required
Branches	U.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.
Deposit Insurance	FDIC Insured(Cert: 7213)
Eligibility	Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming.
Zelle®	SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher).
Mobile Ratings	iOS:4.9 Android:4.8
BBB Rating	D-(Not BBB Accredited)

Rate Stability

Rate Increased

+0.20%

Since 30 days ago

Official SiteCitibank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Gateway First Bank

Gateway High Yield Savings

+$235

per year

2.35% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$1,000
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15118)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Farmers Bank

Savings

+$50

per year

0.50% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $2 service fee applies when the balance drops below $50. Withdrawals beyond 6 in a month cost $10 each.

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$50
Maintenance Fee	$2 service fee if minimum balance drops below $50
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 2850)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteFarmers Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Gateway First Bank

Personal Savings

+$50

per year

0.50% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$10
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 15118)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

The Bank of Commerce

Savings

+$50

per year

0.50% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A monthly fee applies unless the balance stays at $100 or more.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 18059)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased

+0.05%

Since 30 days ago

Official SiteThe Bank of Commerce

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

The Bank of Commerce

e-Savings

+$50

per year

0.50% APY

Oct 7, 2026

FDIC InsuredNo MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$0
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 18059)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased

+0.05%

Since 30 days ago

Official SiteThe Bank of Commerce

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Bell Bank

Regular Savings

+$20

per year

0.20% APY

Oct 13, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$50
Maintenance Fee	$0
Compound Freq	quarterly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 19581)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteBell Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Portage Bank

Regular Savings

+$15

per year

0.15% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$10
Min. Balance	$10
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 8197)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SitePortage Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#10

WaFd Bank

Start Savings

+$10

per year

5.00% APY

Oct 12, 2026

On balances up to $500 · 2.50% above

APY Range: 0.10% – 5.00%

FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Needs a WaFd checking account to open. Interest is blended: the highest rate applies only to the first $500, and the portion above $1,000 earns the lowest rate.

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 28088)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteWaFd Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#11

WaFd Bank

Savings

+$10

per year

0.10% APY

Oct 12, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$100
Maintenance Fee	$100 minimum balance to waive $10 monthly service charge
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 28088)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days

Official SiteWaFd Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#12

Washington Trust Bank

Simplicity Savings

+$5

per year

0.05% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$50
Min. Balance	$1
Maintenance Fee	$3 monthly service charge, waived when the minimum ledger balance of $300 is maintained
Compound Freq	N/A
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 1281)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteWashington Trust Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#13

Bank of America

Advantage Savings

+$4

per year

0.04% APY

Oct 13, 2026

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0.01
Maintenance Fee	$8
Compound Freq	Monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 3510)
Eligibility	United States
Zelle®	SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings	iOS:4.8 Android:4.6
BBB Rating	A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days

Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#14

Heritage Bank

Alpine Savings

+$4

per year

0.04% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

What to Watch

An account holder under 19 years of age is not required to keep a minimum balance.

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 29012)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteHeritage Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#15

Heritage Bank

Peak Savings

+$4

per year

0.15% APY

Oct 7, 2026

Needs at least $500,000

APY Range: 0.04% – 0.15%

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 29012)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteHeritage Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#16

Bank of America

Advantage Relationship Banking

+$1

per year

0.02% APY

Oct 13, 2026

Needs at least $50,000

APY Range: 0.01% – 0.02%

FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	N/A
Maintenance Fee	$0
Compound Freq	Monthly
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 3510)
Eligibility	United States
Zelle®	SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings	iOS:4.8 Android:4.6
BBB Rating	A+(BBB Accredited)

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

#17

BMO Bank

Savings Builder

+$1

per year

0.01% APY

Oct 7, 2026

FDIC InsuredLow MinimumsIn-Person Access

Show Fine Print & Trends

Min. Deposit	$25
Min. Balance	$0.01
Maintenance Fee	$0
Compound Freq	daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 16571)
Eligibility	United States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days

Official SiteBMO Bank

Direct Link to Product Page (Not Sponsored)

Read Bank Overview

Nationally Available Savings Accounts

The 8 highest-rate savings accounts available nationwide, including in Idaho.

Institution	Product / Term	APY	Min. Deposit
Axos Bank	Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate	Up to5.00%	$0
GO2bank	High Yield Savingsfirst $5,000 only · needs a linked account at the bank	Up to4.50%	$0
Elevault	High Yield Savings Account	4.34%	$0
Peak Bank	Envision High Yield Savingsup to $499,999.99 only	4.27%	$100
Betterment	Cash Reservepromotional rate	Up to4.25%	$0
Neighbors Bank	Neighbors Savings Account	4.25%	$0
Pibank	Pibank Savings	4.25%	$0
EverBank	Performance Savings	4.20%	$0

See the full national list