CD Rates and Certificate Accounts in Boise, Idaho
P1FCU Certificate Accounts in Boise, Idaho, often called CDs or Certificates of Deposit, allow members to earn a fixed APY1 by keeping funds deposited for a selected term. Compare current rates, choose a term that fits your savings timeline, and open with a minimum deposit of $500.
Featured rates:
6 Month Certificate Account: 3.45% APY
12 Month Certificate Account: 3.55% APY
18 Month Certificate Account: 3.65% APY
Current Certificate Terms and Rates
| Certificate Account Term | APY1 |
|---|---|
| 6 Months | 3.45% |
| 12 Months | 3.55% |
| 18 Months | 3.65% |
| 24 Months | 3.70% |
| 36 Months | 3.75% |
| 48 Months | 3.80% |
| 60 Months | 3.85% |
Rates and terms are subject to change before the certificate is opened. Once opened, the applicable APY remains fixed for the certificate term. The APY assumes dividends remain deposited until maturity. Minimum opening deposit of $500 required. Fees or early withdrawals may reduce earnings.
How a P1FCU Certificate Account Works
A P1FCU Certificate Account is the Credit Union equivalent of what banks commonly call a certificate of deposit, or CD. You select a term, deposit at least the required opening amount, and earn the stated APY through the certificate’s maturity date. At maturity, you can withdraw, renew, or take another permitted action during the grace period.
Select a certificate term
Choose the term that best matches your savings timeline.
Make your opening deposit
Deposit at least the required minimum amount of $500.
Earn the fixed APY
Your applicable APY remains fixed throughout the certificate term.
Choose what happens at maturity
Withdraw, renew, or take another permitted action during the grace period.
Choose a Certificate Term
Shorter Terms
These are best suited for members who expect to need their funds sooner, or prefer an earlier maturity date.
Medium-length Terms
This may fit members with planned expenses that are one to three years away, or members looking to balance rate opportunities with access timing.
Longer Terms
This may be appropriate for money that is not expected to be needed soon, and savings goals with a longer timeline.
The right certificate term depends on your savings timeline, when you might need the funds, and what interest rates are available. Consider when you may need access to the funds before selecting a term.
Certificate Early Withdrawal
A penalty may apply when principal is withdrawn before the Certificate reaches maturity. The current penalty is 90 days’ dividends for Certificate terms of less than one year and 180 days’ dividends for terms of one year or longer. If earned dividends are not sufficient to cover the penalty, part of the penalty may be deducted from principal. Certain exceptions may apply under the full account agreement.
What Happens When Your Certificate Matures?
Your certificate's maturity date appears on your Certificate of Deposit or Renewal Notice. P1FCU Certificates automatically renew unless you take action. After maturity, you have a 10-day grace period during which funds may be withdrawn without an early withdrawal penalty.
What actions you can take during the 10-day grace period:
- Change the Certificate term
- Add funds
- Withdraw a portion of the balance
- Close the Certificate
- Make changes by phone, with a representative online, or in branch
You can visit one of our Boise area branches to speak with a team member about the different CD terms, maturities, and renewals. You can also contact a member service representative who can help answer any questions.
Why Open a Certificate with P1FCU in Boise
P1FCU has helped Idaho members pursue their financial goals since 1938. We expanded into the Boise area in 2021. Since then, we've continued investing in communities, organizations, and schools throughout the Treasure Valley. Now with 4 local branches, you can get personalized service, later service hours compared to other local financial institutions, and great financial services to help you reach your financial goals.
4 Branches in the Treasure Valley
Innovative Digital Banking
Monitor your account, transfer money, deposit checks, pay bills, and manage your debit card from almost anywhere.
Friendly and Helpful Staff
Being around since 1938 doesn't happen by accident. It happens by hiring good people and putting them in the right positions for themselves and their communities. The Treasure Valley team prides itself on being present in their communities and would love to help anyone on their financial journey.
How to Open a P1FCU Certificate
Confirm P1FCU membership eligibility
Determine whether you are already a member or qualify to join.
Select a Certificate term
Compare available terms and current APYs.
Choose your opening deposit
Fund the Certificate with at least the required minimum balance of $500.
Submit the required information
Review the Certificate terms
Confirm the APY, maturity date, renewal terms, and applicable disclosures.
Ready to Open a Certificate?
Compare available terms, review current APY's and choose the certificate that fits your savings timeline. When you're ready to put your savings to work, you can open a Certificate with P1FCU.
Is a Credit Union Certificate the same as a CD?
A Certificate Account is the Credit Union equivalent of what banks commonly call a Certificate of Deposit or CD. Funds remain deposited for an agreed term in exchange for a stated APY.
What is the minimum deposit for a P1FCU Certificate?
The current minimum opening deposit is $500.
Are P1FCU Certificate rates fixed?
The applicable dividend rate and APY are fixed for the Certificate term, provided the account remains within the applicable balance requirements.
When are Certificate dividends paid?
P1FCU’s current disclosure states that Certificate dividends are paid quarterly.
Can I withdraw money before the Certificate matures?
A member may request an early withdrawal, but a penalty may apply. The amount depends on the length of the Certificate term.
What is the early withdrawal penalty?
The current penalty is 90 days’ dividends for Certificates under one year and 180 days’ dividends for Certificates of one year or longer.
What happens when my Certificate matures?
P1FCU Certificates currently renew automatically. Members have a ten-day grace period after maturity in which funds can be withdrawn without an early withdrawal penalty.
Can I open a Certificate online from Boise?
Yes, members can open a new Certificate online on a web browser.
Do I need to be a P1FCU member first?
You do need to have a P1FCU membership in order to open a CD. You can confirm your membership eligibility or verify that you qualify to join.
Money Market Accounts
Earn a higher interest rate on your savings balance without committing your funds for the longer term.
Save a little or a lot, either way you need a safe place to keep your money.
1 APY = Annual Percentage Yield. Rates and terms subject to change without notice. Penalty for early withdrawal. Fees may reduce earnings. Rates effective 09/02/2026. Minimum balance requirements: The balance required to open this account is $500.00. You must maintain a minimum average daily balance of $500.00 in your account to obtain the disclosed annual percentage yield.