# Idaho Central Credit Union CD and share certificate rates

As of October 22, 2026, Idaho Central Credit Union's highest tracked CD (share certificate) rate is 4.30% APY on a 60-month promotional CD ($500 minimum). That is 3.0 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 0.30% to 1.10% APY.

Canonical page: https://apyledger.com/cd-rates/idaho-central-credit-union
Institution: Idaho Central Credit Union (NCUA 63194)
Aliases: ICCU, Idaho Central
Status: live
Last verified: 2026-10-22T12:04:53.000Z (October 22, 2026)
Official source: https://www.iccu.com/rates/accounts/certificates-of-deposit/
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month Standard CD | standard | 3 months | $500 | 0.30% | Not ZIP-priced | −4.00% | 2026-10-22T12:04:53.000Z | [Snapshot 257](https://apyledger.com/snapshots/257) |
| 6 Month Promo CD | promotional | 6 months | $500 | 3.95% | Not ZIP-priced | −0.45% | 2026-10-22T12:04:53.000Z | [Snapshot 257](https://apyledger.com/snapshots/257) |
| 6 Month Standard CD | standard | 6 months | $500 | 0.45% | Not ZIP-priced | −3.95% | 2026-10-22T12:04:53.000Z | [Snapshot 257](https://apyledger.com/snapshots/257) |
| 12 Month Promo CD | promotional | 12 months | $500 | 4.15% | Not ZIP-priced | −0.42% | 2026-10-22T12:04:53.000Z | [Snapshot 257](https://apyledger.com/snapshots/257) |
| 1 Year Standard CD | standard | 12 months | $500 | 0.70% | Not ZIP-priced | −3.87% | 2026-10-22T12:04:53.000Z | [Snapshot 257](https://apyledger.com/snapshots/257) |
| 18 Month Promo CD | promotional | 18 months | $500 | 4.20% | Not ZIP-priced | −0.52% | 2026-10-22T12:04:53.000Z | [Snapshot 257](https://apyledger.com/snapshots/257) |
| 18 Month Standard CD | standard | 18 months | $500 | 0.80% | Not ZIP-priced | −3.92% | 2026-10-22T12:04:53.000Z | [Snapshot 257](https://apyledger.com/snapshots/257) |
| 24 Month Promo CD | promotional | 24 months | $500 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-22T12:04:53.000Z | [Snapshot 257](https://apyledger.com/snapshots/257) |
| 2 Year Standard CD | standard | 24 months | $500 | 0.90% | Not ZIP-priced | −3.97% | 2026-10-22T12:04:53.000Z | [Snapshot 257](https://apyledger.com/snapshots/257) |
| 3 Year Standard CD | standard | 36 months | $500 | 0.95% | Not ZIP-priced | −4.00% | 2026-10-22T12:04:53.000Z | [Snapshot 257](https://apyledger.com/snapshots/257) |
| 4 Year Standard CD | standard | 48 months | $500 | 1.00% | Not ZIP-priced | −3.98% | 2026-10-22T12:04:53.000Z | [Snapshot 257](https://apyledger.com/snapshots/257) |
| 60 Month Promo CD | promotional | 60 months | $500 | 4.30% | Not ZIP-priced | −0.71% | 2026-10-22T12:04:53.000Z | [Snapshot 257](https://apyledger.com/snapshots/257) |
| 5 Year Standard CD | standard | 60 months | $500 | 1.10% | Not ZIP-priced | −3.91% | 2026-10-22T12:04:53.000Z | [Snapshot 257](https://apyledger.com/snapshots/257) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.