Savings Accounts in Boise, Idaho

Boise-area residents, build your savings with a P1FCU Savings Account that matches how you plan to save and access your money. Compare available options, review current rates and minimums, and choose the account that fits your goals.
Mountain with lake and trees

Compare P1FCU Savings Accounts

Regular Savings
Your Regular Savings holds your share of your membership with the credit union. This share makes you a member-owner of the credit union and allows you to help make decisions about the future of the credit union by voting for our Board of Directors.

  • Open an account with a minimum deposit of $35.
  • Earn 0.05% APY.1,2
  • Build up a balance with direct deposit and payroll deductions.
  • Monitor and manage funds with free Digital Banking.
Start saving now. Opening an account is easy!

 
 
Money Market Accounts
Do you want to give your savings a boost? A Money Market Account is a secure option that rewards you with higher interest rates. Our Money Market Accounts provide you with easy access to your savings and the perk of higher dividends.
 
  • $500 minimum to open account3
  • Earns higher interest than a traditional savings account
  • Tiered rate structure means that a higher balance can earn higher returns
  • Immediate access to funds with checks, Digital Banking, and at P1FCU branches
  • Good choice for both everyday savers and seasoned investors looking to diversify their portfolios
 
 
Certificate Accounts 
Put your savings on a schedule that fits with your future needs and long-term goals. Our Certificates offer plenty of options, all of which pay higher interest than most traditional savings accounts.

  • $500 minimum to open account3
  • Choose a savings period ranging from three months to five years
  • Monitor growth through Digital Banking
 
 
IRA Accounts
Making a list of everything you want to do during your retirement? With the right financial planning, you'll be able to check off every box while living a comfortable lifestyle. At P1FCU, we can help you save for your golden years with tax-advantaged Traditional and Roth IRAs.

  • Start an account with just a $35 opening deposit2
  • No annual fees
  • With Traditional IRAs, you may be able to take a federal tax deduction each year you contribute funds
  • With Roth IRAs, all withdrawals are tax-free
  • With both types of IRAs, annual interest and dividend payments are tax-free
  • Consult your financial advisor for more information on IRAs and their tax benefits

IRA Accounts3 APY1
$35.00 - $100,000+ 0.05%
 
Idaho Medical Savings Account
An Idaho Medical Savings Account (MSA) allows you to save for medical expenses and long-term care costs while reducing your Idaho individual income tax burden. Call us or stop by your local branch for more information.

Savings Accounts2 APY1
Medical Savings (Idaho) 0.05%
 

Membership and Local Boise Access

Saving with P1FCU in Boise gives you access to local support when you need it. Review P1FCU membership eligibility, explore the savings options available to you, or visit a Boise-area branch for help in person. Once your account is open, you can easily access and manage your savings through P1FCU Digital Banking. Visit your nearest branch by clicking below.

P1FCU Locations

 

Compare Savings With Other Deposit Options

Savings Account: Designed for funds you want to set aside while maintaining flexible access.

Checking Account: Designed primarily for everyday transactions and spending.

Money Market Account: May offer a different balance and rate structure with account-specific access rules.

Certificate Account: Designed for funds kept on deposit for a selected term in exchange for a stated APY.

 

How to Open a P1FCU Savings Account

  1. Compare the available Savings Account options.
  2. Review current rates, minimums, and account requirements.
  3. Confirm P1FCU membership eligibility.
  4. Submit the required information through an approved account-opening channel.
  5. Fund the account and enroll in Digital Banking.

Open an Account

 

Why Save with P1FCU in Boise?

Saving with P1FCU gives Boise-area members a place to build toward their goals while staying connected to local support. Whether you’re setting money aside for everyday needs, saving alongside your Ascend Checking Account, or planning further ahead with a Certificate Account, you can manage your accounts through Digital Banking and get help from a P1FCU team member when you need it 
 
Visit your local P1FCU Branch at one of our 4 locations throughout the Treasure Valley,  Meridian, Eagle, Nampa, and Garden City. To find your nearest location, click below. 
 
 


P1FCU offers a Regular Savings Account, Certificate Accounts, Money Market Accounts, IRA Accounts, and Idaho Medical Savings Account.


To open a Regular Savings Account, the minimum deposit is $35.


To find the rates for all of our savings accounts, please click the button below. 
 


P1FCU Regular Savings Accounts require a minimum deposit to open, $35 for a Regular Savings Account and $5 for a secondary savings account. There are no monthly maintenance fees specifically listed for savings accounts. However, there is a $5.00 fee for inactive accounts, which applies if there have been no transactions or correspondences for 365 consecutive days and the aggregate balance is below $1,000. Other general fees, such as for statement copies or returned mail, may apply depending on account activity, but these are not specific to savings accounts.


Yes, you can easily access and manage your accounts using Digital Banking. Interested in learning more about Digital Banking and what else you can do? Click the button below to learn more.
 


A Savings Account generally provides more flexible access, while a certificate keeps funds on deposit for a selected term in exchange for a stated APY, subject to account terms.


Yes, you can open a Savings Account online from Boise. Get started by clicking below.

Open a Savings Account


You can access your Regular Savings Account as frequently as you'd like with our Digital Banking. Depending on your account selection, there may be a limit on the number of transactions per month. 


Yes, your Checking and Savings Accounts will be linked and accessible within Digital Banking. 


You can visit your local P1FCU Branch at one of our 4 locations throughout the Treasure Valley,  Meridian, Eagle, Nampa, and Garden City. To find your nearest location, click below. 









1 APY = Annual Percentage Yield. Rates and terms subject to change without notice. Fees may reduce earnings. Rates effective 07/16/2026.
2 Minimum balance requirements: The balance required to open this account is $35.00. You must maintain a minimum average daily balance of $35.00 in your account to obtain the disclosed annual percentage yield.
3 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.
4 To qualify for the Money Market Account Qualifying Bump Rate, you must have an Ascend Checking account linked to the Money Market account, and you must meet the Ascend Checking account dividend qualifications each month. For each month you meet the Ascend Checking account dividend qualifications, you will qualify for the Money Market Account Qualifying Bump Rate. The three-monthly dividend qualifications for the Ascend Checking account are: 1) Enrollment in eStatements 2) A minimum of 20 posted debit card transactions per month (ATM transactions excluded) and 3) A monthly direct deposit of over $250.  If the Ascend Checking dividend qualifications are not met, the Money Market will default to the standard Money Market Account Non-Qualifying Rate. Only one Money Market account may be linked to an Ascend Checking account at any time. The Money Market Account Qualifying Bump Rate will be applied to the Money Market account with the earliest opening date. If there are multiple Money Market accounts, you may select which Money Market account to apply the Qualifying Bump Rate at account opening or by reaching out to us at 800.843.7128.  Future changes of your selection can be made in branch or by reaching out to us at 800.843.7128. The dividend rate and annual percentage yield may change at any time. We may change the dividend rate for your account as determined by the credit union board of directors. 
5 Early withdrawal penalties may apply (a penalty may be imposed for withdrawals before maturity).