bank rates

Western State Deal: 2.75% APY CD Rates

Money falling from the skyP1FCU is celebrating its 75th anniversary with the best 60-month CD rates we’ve seen in some time.

It pays 2.75% APY with a $500 minimum deposit.

That’s nearly a full percentage point higher than the top nationally available 60-month CD rate on our CD Rates Leaderboard. It’s also a quarter point better than any local deal on our list of highest CD rates.

The deal is listed as a limited-time offer on the credit union’s website. No end date is listed.

P1FCU’s regular rate is 1.90% APY for 60-month CDs – still higher than the lead rate of 1.76% APY.

You have to be a member of P1FCU to buy any of its certificates of deposit. Membership is available to those who live in, regularly work, attend school, worship, volunteer, participate in associations or programs to alleviate poverty or distress, in the northern Idaho and eastern Washington counties of Asotin, Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce, Shoshone, Valley and Whitman.

Membership requires a $35 deposit in a share savings account.

Members have to buy CDs in person at one of P1FCU’s 14 branches.

Those are in Bonners Ferry, Culdesac, Grangeville, Hayden, Lewiston, Moscow, Orofino, Ponderay, Post Falls and St. Maries, Idaho, and in Pullman, Wash.

Learn more about P1FCU at or call 208-746-8900.

See how these returns compare with the best CD rates from scores of banks in our extensive database.

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