Savings Programs

  • $25 minimum balance
  • Penalty free withdrawals
  • Earn quarterly dividends
  • Ideal for those just getting started
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  • Minimum deposit of $500 with no maximum deposit
  • Penalty free withdrawals
  • Higher yields and liquidity on larger savings balances
  • Ideal for those who can always leave $500 in their account
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  • $500 minimum opening deposit. $25,000 minimum balance to earn high yield dividend.
  • Penalty free withdrawals
  • Earns competitive dividends
  • Ideal for those ready to let their money work for them
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  • Medical Savings Accounts are designed to help you save for medical expenses, reduce Idaho state income taxes, and earn tax-deferred dividends. Contact a Member Relationship Officer to open an account today.
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Certificates of Deposit

  • $25 minimum deposit
  • Penalties applied if withdrawals made before maturity date, fixed for 12 months
  • Ability to add deposits through the term
  • Ideal for students getting started
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  • $25 minimum deposit with required $10 monthly minimum deposits
  • Penalties applied if withdrawals made before maturity date, fixed for 30 months
  • Earns competitive dividends
  • Ideal of saving for kid’s college
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  • $2,500 minimum deposit
  • Penalties applied if withdrawals made before maturity date
  • May ‘step up’ rate one time during the term to the current market rate. Bonus 0.10% if also have Premier Checking Account
  • Ideal for stepping up your rate
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  • $500 minimum deposit
  • Penalties applied if withdrawals made before maturity date
  • Earns quarterly dividends and dividends on date of maturity
  • Ideal for stable growth
  • Learn more

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Individual Retirement Accounts

You can contribute to a Traditional IRA if you earn compensation and you will not reach age 70 1/2 by the end of the year. If you file a joint tax return, you can treat your spouse’s compensation as your own (except your combined contributions cannot exceed your combined compensation). All earnings in the Traditional IRA are not taxed until they are withdrawn. The ability to defer taxes on the earnings, and to withdraw in a year when you may be in a lower tax bracket, can mean more after-tax dollars for your retirement. See your tax advisor to determine if your contributions are tax deductible.

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Unlike Traditional IRAs, your contributions to a Roth IRA are never tax-deductible. However, the money in your Roth IRA, including earnings, can be withdrawn tax-free. Of course, you must conform to the plan provisions to get this tax-free advantage. You are eligible if you earn compensation and your income is less than limits set by Congress. A single filer who has modified adjusted gross income (MAGI) up to $95,000 can make the full Roth IRA Contribution for that year. Each spouse filing a joint federal income tax return showing a MAGI up to $150,000 can make the full Roth IRA contribution for that year. Some people with higher MAGI may be able to make smaller contributions.

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We can help. Whether you have recently switched careers or your position has changed, leaving your wealth in your previous employer’s plan may not be the best solution. We’ll help roll over your existing IRA and provide strategies to aid with your new opportunities.

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Savings-Icon-Desposit-pageSavings tip:
Use direct deposit or a payroll deduction to establish a regular savings plan. We can even help set up an automatic transfer for you!