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Savings

Prepare for tomorrow by saving today. From setting funds aside for life's unexpected curve balls to preparing for a comfortable retirement, the best way to start is by picking an account that will assist you in achieving your financial goals.

Everyday Savings

This account is a great option for anyone looking to build their savings. 

  • $100 minimum deposit to open
  • $100 average daily balance to waive $3 monthly minimum balance fee
  • Earn interest on entire balance
  • Online Banking and e-statements
  • 10 withdrawals per month; a $1 Excess Transaction Fee is assessed thereafter

 

Youth Savings

Designed for youth as a great option to build their savings.

  • Primary account owner must be 18 years of age or under and requires co-ownership with a parent or legal guardian if under 18 years old.
  • Account converted to Everyday Savings when primary owner turns 19 years old.
  • $10 minimum deposit to open
  • No monthly minimum balance fee after account opening 
  • Earn competitive, tiered interest rates
  • Online Banking and eStatements
  • 10 free withdrawals per month, $1 Excess Transaction Fee is assessed thereafter

Everyday Money Market

Save more without sacrificing liquidity. Our tiered interest rate system rewards higher balances with higher returns, so you can watch your savings grow while keeping your assets safe. And, just in case you need to access your funds, you can make withdrawals in person and write a few checks each and every month.

  • $500 minimum deposit to open
  • $500 average daily balance to waive $5 monthly minimum balance fee
  • Interest on all balances, Earn better rates than with regular savings
  • Direct check-writing ability
  • Online Banking
  • You are allowed 10 withdrawals per month; a $5 Excess Transaction Fee is assessed thereafter

Lifestyle Money Market

If you have a larger balance to invest, but still want to maintain access to funds, this account can provide the earning power and flexibility you need. With our tiered rate system, you can earn even higher interest as your balance increases over time.

  • $5,000 minimum deposit to open
  • $50,000 average daily balance to waive $15 monthly minimum balance fee
  • Tiered rates reward larger balances
  • Direct check-writing ability
  • Online Banking and e-statements

Transaction Limitations:

You are allowed 10 withdrawals per month; a $5 Excess Transaction Fee is assessed thereafter

Certificate of Deposit

Set aside funds for a predetermined period of time and let a competitive, fixed interest rate boost your balance. CDs are a popular, higher-yielding FDIC-insured investment vehicle. A wide variety of terms are available to suit your savings plans and goals.

  • Competitive interest rates
  • Higher earnings than regular savings
  • Terms from 3 months to four years
  • Early withdrawal penalties apply
  • Quarterly compounding of interest is added to principal
  • Earnings can be deposited quarterly to another Bank of Idaho account

Individual Retirement Accounts

Support your longer-term savings goals and prepare for retirement. Both Traditional and Roth IRAs are available, and each offers a variety of tax advantages. Plus, we don't charge set-up fees or maintenance fees, so you can make the most of every dollar you're designating for retirement.

  • Tax-advantaged retirement savings*
  • Competitive interest above standard savings rates
  • Traditional and Roth IRA options
  • No setup fees
  • No monthly or annual maintenance fees
  • $6,000 contribution limit per year
  • Additional $1,000 "catch-up" contribution allowed for ages 50+
  • Funds can be used to purchase CDs within IRA
  • $500 minimum deposit to open

*Consult a tax advisor.

  • No income limits to open
  • No minimum contribution in any year
  • Contributions are tax deductible on state and federal income tax*
  • Earnings are tax deferred until withdrawal
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty**
  • Mandatory withdrawals at age 72
  • Income limits to be eligible to open Roth IRA
  • Contributions are NOT tax deductible
  • Earnings are 100% tax FREE at withdrawal*
  • Principal contributions can be withdrawn without penalty*
  • Withdrawals on interest can begin at age 59½
  • Early withdrawals on interest subject to penalty**
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income

*Consult a tax advisor.

**Certain exceptions apply, such as healthcare, purchasing first home, etc.

*Consult a tax advisor.

**Certain exceptions apply, such as healthcare, purchasing first home, etc.

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