Best Banks & Credit Unions in Idaho Falls, Idaho

Banks and credit unions serving Idaho Falls, Idaho. Compare up to 3.40% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Idaho Falls, Idaho. All rankings inherit from the Idaho state directory. Every institution listed is licensed to serve Idaho Falls residents and is either headquartered in Idaho or operates branches in the metro.

Top options in Idaho Falls

• Farmers Bank: 3.90% APY. 12 Month CD: Minimum deposit of $500 opens the time certificate; a substantial penalty is imposed on early withdrawals; rates effective 8/14/2026. Read Sep 7, 2026 on farmersbankidaho.com. Rates as of 2026-08-14 per the page.
• First Federal Savings Bank: 3.51% APY. 12 Month Certificate of Deposit: $500 Minimum Deposit to Open; principal withdrawals before maturity may be subject to early withdrawal penalties; rates accurate as of 7/21/2026. Read Sep 7, 2026 on bankfirstfed.com.
• The Bank of Commerce: 3.50% APY. 12 month Certificate of Deposit: $500 minimum to open; all certificates can be added onto with a $200 minimum add-on; there may be a substantial penalty for early withdrawal; rates effective as of 9/6/26. Read Sep 7, 2026 on bofc.bank. Rates as of 2026-09-06 per the page.
• Northwest Bank: 3.40% APY. 12 Month Fixed Rate CD: Minimum opening deposit of $100; a penalty may be imposed for early withdrawal; rates current as of September 1, 2026 (read on northwest-bank.com/cd-rates). Read Sep 7, 2026 on northwest-bank.com. Rates as of 2026-09-01 per the page.
• Idaho Central Credit Union: 3.40% APY. High-Yield Online Savings Account: $1,000-$24,999 tier and the same rate up to $249,999; balances of $0-999 earn 0.00%; the rate table attaches no direct-deposit or card-use condition. Read Sep 7, 2026 on iccu.com.
• First Tech Federal Credit Union: 3.25% APY. 12-Month Traditional Share Certificate: $500 minimum opening balance; 3.25% APY on $0.01-$99,999.99, 3.50% APY on $100,000+. Read Sep 7, 2026 on firsttechfed.com. Rates as of 2026-09-01 per the page.

Banks with more than one branch in Idaho Falls

Each opens every one of that bank's offices in Idaho Falls, with the address of each and what it holds.

• The Bank of Commerce in Idaho Falls: 4 branches

Other Idaho cities

See the full Idaho banks directory for every institution we've verified in the state, plus the underlying methodology.