Account Types

Whether you are on your own, opening your child's first account, or planning for retirement, Idahy Federal Credit Union has the right account for you.
View our Great Savings Rates.

Share Savings:

• $25 minimum balance
• Funds available for withdrawal - penalty free
• Establish a regular savings program with direct deposit or payroll deduction
• Dividends paid quarterly on open accounts

Money Market Account:

• Higher yields and liquidity on larger savings balances
• Minimum deposit of $500 with no maximum deposit amount
• Funds are available for withdrawal at any time without penalty

Share Certificates:

• Minimum deposit as low as $500
• Choose from one of our many terms and earn one of our highest rates
• Penalties apply to withdrawals made prior to maturity date
• Dividends paid quarterly and on date of maturity

Individual Retirement Accounts (IRAs):

• We offer Traditional and Roth IRAs
• Earn high yields and be protected from sudden changes in the economy
• Tax advantages for many people who choose to use IRAs to save for retirement
• Voyager IRA is specially designed for the new or modest saver and earns one of our highest rates
• Penalties apply to withdrawals made prior to maturity date on time certificates

Accounts for Special Needs:

• Coverdell Education Savings Accounts are available to save for the education expenses of that special child in your life. Contributions may qualify for income tax savings.
• Medical Savings Accounts are for saving for current or future medical, vision, and dental expenses. Contributions may reduce Idaho State Income Taxes.

Important Information About Procedures for Opening a New Account:
To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Access our Financial Calculators

Share Insurance Estimator

NCUA "Your Insured Funds" brochure (November 2006)