Lewis Clark Credit Union (ID/WA) Has Top 36-Month CD


Deal Summary: 36-Month Share Certificate, 3.15% APY, no stated minimum deposit.

Availability: Residents of four Idaho panhandle counties and three southeast Washington counties.

Idaho-based Lewis Clark Credit Union (Lewis Clark CU) has substantially raised the rate on its 36-month Share Certificate (3.15% APY). Last week’s addition of 139 bps has resulted in the highest APY in more than seven years. There is no minimum opening deposit or stated balance cap.

The 36-month Share Certificate is also available as an IRA (Traditional), earning the same APY with the same funding requirements.

According to CSR, the Early Withdrawal Penalty is “90 days interest on the amount withdrawn.”


Headquartered in Lewiston, Idaho, Lewis Clark Credit Union’s field of membership (FOM) includes portions of Idaho and Washington. Individuals who live, work, worship, attend school, or volunteer in the following counties are eligible for membership:

Idaho: Clearwater, Latah, Lewis, or Nez Perce.

Washington: Asotin, Garfield, or Whitman.

While Lewis Clark CU has an online application of sorts, the actual process of joining involves a few steps. After completing and submitting the Online Membership Application, a pre-filled application requiring signature(s) will either be sent by snail mail or electronically.

The signed Membership application must be returned to the credit union along with an initial deposit of at least $5.00 and/or direct deposit form, and a copy of a government issued photo ID for the application process to be completed.

Opening a Share Certificate requires an in-person visit to any of the three Idaho branches located in Lewiston (2) and Orofino, or the two Washington branches located in Clarkston and Pomeroy.

Credit Union Overview

Lewis Clark Credit Union has an overall health grade of "B+" at DepositAccounts.com, with a Texas Ratio of 6.61% (excellent) based on March 31, 2018 data. In the past year, Lewis Clark CU has increased its total non-brokered deposits by $6.07 million, an excellent annual growth rate of 6.86%. Please refer to our financial overview of Lewis Clark Credit Union (NCUA Charter # 68386) for more details.

In 1939, teachers in the Lewiston School District formed the Lewis Clark Federal Credit Union, which “promoted thrift and offered a source of credit for loans for provident and productive purposes.” The “Federal” part of the name was dropped in 1998, when the Credit Union converted to a state charter. Lewis Clark Credit Union is currently Idaho’s 14th largest credit union, with more than 13,000 members and assets in excess of $103 million.

How the Share Certificate Compares

When compared to the 235 similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit and are available to within the FOM, Lewis Clark Credit Union's 36-month Share Certificate APY currently ranks first.

The above rates are accurate as of 7/3/2018.

To look for the best CD rates, either nationwide or state-specific, please refer to our CD Rates Table page.

Related Pages: Spokane CD rates, 5-year CD rates

  |     |   Comment #1
more and more these "short" term CD's seem to pop up. I still think there is something they know we don't. When I see 5 to 7 yr CD's with 5% showing up I will feel better

Could be that in 2 or 3 yrs things could look like 2009 again, and your left running around looking for someplace to put that expired 3% 3yr CD.
  |     |   Comment #2
yes if think we will see a recession in the US, sometime in 2020, but probably 4th quarter 2020

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