Dedicated to Deposits: Deals, Data, and Discussion

5.50% 24-Month / 5.45% 12-Month at an Idaho/Washington CU (Potlatch No. 1).

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Update 11/03/07: CD rates have fallen. Please check credit union's website for latest rates.

Potlatch No. 1 Federal Credit Union is offering competitive rates on its share certificates. For a $10K minimum deposit, the yields range from 5.25% APY for a 6-month term to 5.65% APY for a 60-month term. Jumbo CD rates with a $100K minimum are 5 basis points higher. The same rates are available for IRA certificates. Below is the full list of yields for a $10K minimum deposit:

Term APY
6 month 5.25%
12 month 5.45%
18 month 5.45%
24 month 5.50%
36 month 5.55%
48 month 5.60%
60 month 5.65%

The date on the rate table is September 4th, so I called and confirmed that these rates are still available and should remain at least through this week.

Last month this credit union was offering a special 8% 108-day CD without a maximum deposit limit. So this looks like a good credit union to join in case more of these super CD deals return.

Membership is open to those who live, regularly work, attend school, worship, perform volunteer services, or participate in associations headquartered in one of the following Idaho or Washington Counties: Clearwater, Benewah, Bonner, Boundary, Idaho, Kootenai, Latah, Lewis, Nez Perce, Shoshone, Valley, Asotin or Whitman. Please see their membership page for more details.

Branches are located in the Idaho cities of Lewiston, Orofino, St. Maries, Moscow, Post Falls, Ponderay, Culdesac, and Grangeville, and in the Washington state city of Clarkston. The credit union is federally insured by the NCUA (Charter # 2734). It has $252.4 million in assets and 34,206 members.
  Tags: Washington, Idaho, CD rates, IRA rates

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