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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.

U-Save

Your U-Save account can be paired with a U-Earn account, so rewards can be automatically transferred over each month. Just meet the qualifications for U-earn, then sit back and see your savings grow. Of course, you can add your own deposits to it at any time!

  • Linked to free U-Earn account
  • 0.54% APY* on U-Save daily balances up to $10,000 if qualifications are met
  • 0.54 - 0.18% APY on daily balances over $10,000 depending on balance in the account and if qualifications are met*
  • 0.01% APY* if qualifications are not met on U-Earn
  • No monthly service charge
  • No minimum balance requirement after account opening
  • Free Online Banking
  • $10 deposit to open

Qualifying for U-Earn rewards automatically qualifies you for the best U-Save rate too! Simply meet the following U-Earn requirements each monthly statement cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least one direct deposit or one automatic payment (ACH) post and settle

And if you miss a statement cycle, don't worry! Both accounts are still free and earn our base interest rate. The next cycle you qualify, you will get right back to enjoying the added benefits.

U-Save

Effective Date: Monday, December 9, 2019

U-Save

BalanceInterest RateAPY
Don't Meet Qualifications0.01%0.01%
$0 - $10,000.000.54%0.54%
Over $10,000.000.14%0.54% - 0.18% depending on balance in the account and if qualifications are met

Rates may change after account opening. $10.00 Minimum balance required to open the account. Fees may reduce earnings. You must be enrolled for and receive monthly eStatement notification to have this account.

*The minimum to open U-Earn account is $50. You must be enrolled for and receive monthly eStatement notification to have this account. APY = Annual Percentage Yield. APYs accurate as of 11/1/2019. Rates may change after account is opened. For U-Earn, if qualifications are met each monthly statement cycle: (1) balances up to $10,000 receive APY of 0.64%, and balances over $10,000 earn 0.14% interest rate on portion of balance over $10,000, resulting in (2) 0.64% - 0.19% APY depending on the balance. If qualifications are not met on U-Earn, all balances earn 0.01% APY. Qualifying transactions must post to and settle U-Earn account during monthly statement cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. The advertised U-Earn APY is based on compounding interest. U-Earn checking interest earned will be posted directly to associated U-Save account and does not compound. Actual interest amount paid may be less than advertised U-Earn APY. When monthly qualifications are met during the statement cycle ATM fees incurred on your U-Earn account during that cycle will be refunded up to $25. ATM receipt must be presented for refund of an ATM fee greater than $5.00. If qualifications in U-Earn are met each monthly statement cycle: (1) balances up to $10,000 in U-Save receive an APY of 0.54%; and (2) balances over $10,000 in U-Save earn 0.14% interest rate on portion of balance over $10,000, resulting in 0.54% - 0.18% APY depending on the balance. If qualifications are not met on U-Earn, all balances in U-Save earn 0.01% APY. The minimum to open a U-Save is $10. The U-Save APYs may be less than U-Earn APYs. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. Fees may reduce earnings.

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Statement Savings

From first-time account holders to seasoned savers, this basic account is a great option for anyone looking to build their savings. There is no monthly minimum balance fee as long as you maintain a minimum average daily balance of $100.

  • Earn competitive, tiered interest rates
  • Free Online Banking and eStatements
  • Six free transfers per month*
  • $10 minimum deposit to open
  • Low $100 minimum average daily balance to waive $3 monthly minimum balance fee

*A $1.00 per item Excess Transaction Fee applies to transfers or withdrawals over 6 per month. Withdrawals include pre-authorized transactions, check, bank draft, debit card, phone transfer (including data transmission), automatic transfer, ACH or similar payable to a third party.

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Personal 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 unlimited withdrawals in person and write a limited number of checks* each and every month.

  • Earn better rates than with regular savings
  • Tiered rates reward larger balances
  • Unlimited in-person and ATM withdrawals
  • Six free pre-authorized or third-party transfers per month*
  • Direct check-writing ability
  • Free Online Banking and eStatements
  • $50 minimum deposit to open
  • $1,000 minimum average daily balance to waive low $5 monthly minimum balance fee

*Pre-authorized transactions, check, draft, debit card, telephone transfer (including data transmission), automatic transfer, ACH or similar order payable to third parties. A $5.00 per item Excess Transaction Fee applies to transfers or withdrawals over the allowed 6 per month. Withdrawals include pre-authorized transactions, check, bank draft, debit card, phone transfer (including data transmission), automatic transfer, ACH or similar payable to a third party.

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Premium 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.

  • Designed for customers with a higher balance
  • Earn better rates than with regular savings
  • Unlimited in-person and ATM transactions
  • Six free transfers per month*
  • Free Online Banking
  • $50 minimum deposit to open
  • No monthly minimum balance fee with minimum average daily balance of $50,000
  • Low minimum balance fee of $15 if minimum average daily balance drops below $50,000

*Pre-authorized transactions, check, draft, debit card, telephone transfer (including data transmission), automatic transfer, ACH or similar order payable to third parties. A $5.00 per item Excess Transaction Fee applies to transfers or withdrawals over the allowed 6 per month. Withdrawals include pre-authorized transactions, check, bank draft, debit card, phone transfer (including data transmission), automatic transfer, ACH or similar payable to a third party.

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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
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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
  • $5,000 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 59
  • Early withdrawals subject to penalty**
  • Mandatory withdrawals at age 70
  • 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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