{"id":630,"date":"2022-08-16T14:30:20","date_gmt":"2022-08-16T20:30:20","guid":{"rendered":"https:\/\/www.iccu.com\/?page_id=630"},"modified":"2026-01-29T16:25:39","modified_gmt":"2026-01-29T23:25:39","slug":"idaho-first-time-homebuyer-savings","status":"publish","type":"page","link":"https:\/\/www.iccu.com\/accounts\/savings\/idaho-first-time-homebuyer-savings\/","title":{"rendered":"Idaho First-Time Homebuyer Savings"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-green-color has-text-color\" id=\"h-be-prepared-for-when-the-right-house-comes-along\">Be Prepared for When the Right House Comes Along<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"has-lg-font-size\">You\u2019ll never regret planning and saving now. With an Idaho First-Time Homebuyer Savings Account, Idaho residents can contribute up to $15,000, or $30,000 for married couples filing jointly per calendar year. With a maximum of $100,000 of total deposits allowed for the lifetime of the account, you\u2019ll be well on your way to saving for that first home.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color\" id=\"h-benefits-amp-features\"><strong>Benefits &amp; Features<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li><a href=\"\/services\/money-transfers\/\">Free automatic transfers<\/a><\/li>\n\n\n\n<li>Six free withdrawals per month<\/li>\n\n\n\n<li>Gifted funds from parents or family are accepted<\/li>\n\n\n\n<li>No deadline to use savings funds<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color\" id=\"h-tax-advantage\">Tax Advantage<\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>Tax-free withdrawals when used to pay for the down payment, fees, or taxes of the purchase of a single-family residence in Idaho<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h3 class=\"wp-block-heading has-dark-green-color has-text-color has-md-font-size\" id=\"h-minimum-balance-to-open\" style=\"font-style:normal;font-weight:400\">Minimum Balance to Open<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>$25<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-dark-green-color has-text-color has-md-font-size\" id=\"h-minimum-balance-to-earn-interest\" style=\"font-style:normal;font-weight:400\">Minimum Balance to Earn Interest<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>$0.01<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-dark-green-color has-text-color has-md-font-size\" id=\"h-monthly-service-fees\" style=\"font-style:normal;font-weight:400\">Monthly Service Fees<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>$0<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-dark-green-color has-text-color has-md-font-size\" id=\"h-number-of-withdrawals\" style=\"font-style:normal;font-weight:400\">Number of Withdrawals<\/h3>\n\n\n\n<p class=\"has-lg-font-size\"><strong>6\/month<\/strong> ($2 for each additional)<\/p>\n\n\n\n<p class=\"has-md-font-size\">No withdrawals are allowed in the first 30 days after account opening.<\/p>\n\n\n\n<button id=\"block_882597fe1d1fd63fd6b7219921ff4afc\" class=\"js-button \" onclick=oao.open('SAV-SFTH')>Open Now<\/button>\n\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-you-saved-money-now-what\">You Saved Money, Now What?<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">There are many expenses when it comes to buying a home. But don\u2019t let that intimidate you. We can do this together! You\u2019ve saved well with your Idaho First-time Homebuyer Savings Account and we will guide you through the following steps:<\/p>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li>Loan Origination Fees<\/li>\n\n\n\n<li>Appraisal Costs<\/li>\n\n\n\n<li>Realtor Fees<\/li>\n\n\n\n<li>Down Payment<\/li>\n\n\n\n<li>Closing Costs<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"990\" height=\"755\" src=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/06\/Idaho-First-Time-Homebuyer-Savings.webp\" alt=\"Key in a door lock with ICCU logo\" class=\"wp-image-23090\" style=\"width:410px\" srcset=\"https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/06\/Idaho-First-Time-Homebuyer-Savings.webp 990w, https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/06\/Idaho-First-Time-Homebuyer-Savings-600x458.webp 600w, https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/06\/Idaho-First-Time-Homebuyer-Savings-768x586.webp 768w, https:\/\/www.iccu.com\/wp-content\/uploads\/2025\/06\/Idaho-First-Time-Homebuyer-Savings-486x370.webp 486w\" sizes=\"auto, (max-width: 990px) 100vw, 990px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-light-gray-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-green-color has-text-color\" id=\"h-iccu-savings-benefits\">ICCU Savings Benefits<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-free-mobile-banking\"><a href=\"\/services\/online-banking\/\">Free Mobile Banking<\/a><\/h3>\n\n\n\n<p class=\"has-lg-font-size\">You have all the tools you need to manage your accounts through the ICCU mobile app or on ICCU.com, anywhere, anytime. Check balances, transfer money, pay bills, set up alerts, and so much more.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-free-credit-score-amp-monitoring\"><a href=\"\/services\/my-credit\/\">Free Credit Score &amp; Monitoring<\/a><\/h3>\n\n\n\n<p class=\"has-lg-font-size\">My Credit is a free service powered by SavvyMoney\u00ae that helps you stay on top of your credit. Check your credit score, view your credit report, and get up-to-date credit monitoring notifications through ICCU mobile or online banking.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-free-videochat\"><a href=\"\/contact\/video-chat\/\">Free VideoChat<\/a><\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Bank face-to-face from anywhere in the world with a live service agent through ICCU\u2019s VideoChat. Not only is it convenient, it\u2019s secure and easy to use for account questions, opening a new account, applying for a loan, and much more!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-make-a-deposit\"><a href=\"\/services\/online-deposit\/\">Make a Deposit<\/a> <\/h3>\n\n\n\n<p class=\"has-lg-font-size\">Don\u2019t have time to run to the branch to deposit your check? No problem! Deposit checks on the go using the ICCU App or from the comfort of your home using the Make a Deposit feature in eBranch.<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-boost-your-home-buying-confidence\">Boost Your Home-Buying Confidence<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-lg-font-size\">Owning a home can be one of the greatest joys of life. We want to help all ICCU members get the home they deserve, and to prove it, we\u2019ve put together a tool belt of resources that range from home loan calculators to educational courses to help you make a solid game plan.<\/p>\n\n\n\n<p class=\"has-lg-font-size\">Once your plan is in place and you have taken advantage of these resources, put your new-found confidence to practice and apply for a mortgage that is right for you.<\/p>\n\n\n\n<button id=\"block_1aab6826d88bbc5f4040dd77bc968b95\" class=\"js-button \" onclick=oao.open('%\/blend')>Apply For a Mortgage<\/button>\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-lg-font-size\" id=\"h-calculator\"><strong>Calculator<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li><a href=\"https:\/\/www.iccu.com\/calculators\/MortgageLoan2.html\" target=\"_blank\" rel=\"noreferrer noopener\">Home Loan Calculator<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-lg-font-size\" id=\"h-courses\"><strong>Courses<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li><a href=\"https:\/\/iccu.everfi-next.net\/student\/dashboard\/members\/iccu-owning-a-home\" target=\"_blank\" rel=\"noreferrer noopener\">Owning a Home *FREE<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.finallyhomecourse.com\/en\/partners\/iccu\/\" target=\"_blank\" rel=\"noreferrer noopener\">Finally Home!<\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-lg-font-size\" id=\"h-articles\">Articles<\/h3>\n\n\n\n<ul class=\"wp-block-list has-lg-font-size\">\n<li><a href=\"https:\/\/www.iccu.com\/blog\/financial-education\/all-you-need-to-know-about-first-time-homebuyer-programs-in-idaho\">All You Need to Know About First-Time Homebuying<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.iccu.com\/blog\/financial-education\/all-you-need-to-know-about-mortgage-interest-rates\">All You Need to Know About Mortgage Interest Rates<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.iccu.com\/blog\/financial-education\/making-the-decision-to-buy-a-home\">Making the Decision to Buy a House<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n<section id=\"block_a838654a5a160cae632937d2c1d9b192\" class=\"o-rates-table-section is-style-lighter-gray-with-stripes\">\n    <h2 class=\"o-rates-table-section__heading\">Idaho First-Time Home Buyer Savings<\/h2>\n    <div\n\tx-data=\"{\n\t\tshowAll: true\n\t}\"\n\tclass=\"o-rates-table-section__table\"\n>\n\t<div class=\"m-rate-table__wrapper rate-type-savings\">\n\t\t<table class=\"m-rate-table\">\n\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t<th>Balance<\/th>\n\t<th>APY*<\/th>\n\t<th>Interest Rate<\/th>\n\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t<\/thead>\n\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<tr   data-unique-id=\"savings-467\">\n\t\t\t\t\t\t\t\t<td><span class=\"m-rate-table__mobile-label\">Balance<\/span>0-2,499<\/id>\n\t<td><span class=\"m-rate-table__mobile-label\">APY*<\/span>0.25%<\/td>\n\t<td><span class=\"m-rate-table__mobile-label\">Interest Rate<\/span>0.25%<\/td>\n\t\t\t\t\t\t\t<td class=\"m-rate-table__disclosure-cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"m-rate-table__mobile-label\">Terms<\/span>\n\t\t\t\t\t\t\t\t\t<button class=\"a-button a-button--unstyled a-button--disclosure\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Read Disclosure\"\n\t\t\t\t\t\t\t\t\t\t@click=\"modalOpen = true; modalContent = $event.currentTarget.getAttribute('data-disclosure')\"\n\t\t\t\t\t\t\t\t\t\tdata-disclosure=\"&lt;p&gt;&#x2A;APY&#x20;&#x3D;&#x20;Annual&#x20;Percentage&#x20;Yield.&#x20;The&#x20;interest&#x20;rate&#x20;and&#x20;annual&#x20;percentage&#x20;yield&#x20;may&#x20;change&#x20;at&#x20;any&#x20;time.&#x20;Federally&#x20;insured&#x20;by&#x20;the&#x20;NCUA.&lt;&#x2F;p&gt;&#x0A;\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t<span>See Terms<\/span><i class=\"fa-light fa-circle-info\"><\/i><i class=\"fa-solid fa-circle-info\"><\/i>\n\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"m-rate-table__application-link-cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button class=\"a-button a-button--large\" onclick=\"oao.open('SAV-SFTH')\">Open Now<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr   data-unique-id=\"savings-468\">\n\t\t\t\t\t\t\t\t<td><span class=\"m-rate-table__mobile-label\">Balance<\/span>2,500-24,999<\/id>\n\t<td><span class=\"m-rate-table__mobile-label\">APY*<\/span>0.25%<\/td>\n\t<td><span class=\"m-rate-table__mobile-label\">Interest Rate<\/span>0.25%<\/td>\n\t\t\t\t\t\t\t<td class=\"m-rate-table__disclosure-cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"m-rate-table__mobile-label\">Terms<\/span>\n\t\t\t\t\t\t\t\t\t<button class=\"a-button a-button--unstyled a-button--disclosure\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Read Disclosure\"\n\t\t\t\t\t\t\t\t\t\t@click=\"modalOpen = true; modalContent = $event.currentTarget.getAttribute('data-disclosure')\"\n\t\t\t\t\t\t\t\t\t\tdata-disclosure=\"&lt;p&gt;&#x2A;APY&#x20;&#x3D;&#x20;Annual&#x20;Percentage&#x20;Yield.&#x20;The&#x20;interest&#x20;rate&#x20;and&#x20;annual&#x20;percentage&#x20;yield&#x20;may&#x20;change&#x20;at&#x20;any&#x20;time.&#x20;Federally&#x20;insured&#x20;by&#x20;the&#x20;NCUA.&lt;&#x2F;p&gt;&#x0A;\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t<span>See Terms<\/span><i class=\"fa-light fa-circle-info\"><\/i><i class=\"fa-solid fa-circle-info\"><\/i>\n\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"m-rate-table__application-link-cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button class=\"a-button a-button--large\" onclick=\"oao.open('SAV-SFTH')\">Open Now<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t<tr   data-unique-id=\"savings-469\">\n\t\t\t\t\t\t\t\t<td><span class=\"m-rate-table__mobile-label\">Balance<\/span>25,000+<\/id>\n\t<td><span class=\"m-rate-table__mobile-label\">APY*<\/span>0.25%<\/td>\n\t<td><span class=\"m-rate-table__mobile-label\">Interest Rate<\/span>0.25%<\/td>\n\t\t\t\t\t\t\t<td class=\"m-rate-table__disclosure-cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"m-rate-table__mobile-label\">Terms<\/span>\n\t\t\t\t\t\t\t\t\t<button class=\"a-button a-button--unstyled a-button--disclosure\"\n\t\t\t\t\t\t\t\t\t\taria-label=\"Read Disclosure\"\n\t\t\t\t\t\t\t\t\t\t@click=\"modalOpen = true; modalContent = $event.currentTarget.getAttribute('data-disclosure')\"\n\t\t\t\t\t\t\t\t\t\tdata-disclosure=\"&lt;p&gt;&#x2A;APY&#x20;&#x3D;&#x20;Annual&#x20;Percentage&#x20;Yield.&#x20;The&#x20;interest&#x20;rate&#x20;and&#x20;annual&#x20;percentage&#x20;yield&#x20;may&#x20;change&#x20;at&#x20;any&#x20;time.&#x20;Federally&#x20;insured&#x20;by&#x20;the&#x20;NCUA.&lt;&#x2F;p&gt;&#x0A;\"\n\t\t\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t<span>See Terms<\/span><i class=\"fa-light fa-circle-info\"><\/i><i class=\"fa-solid fa-circle-info\"><\/i>\n\t\t\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"m-rate-table__application-link-cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<button class=\"a-button a-button--large\" onclick=\"oao.open('SAV-SFTH')\">Open Now<\/button>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/tbody>\n\t\t<\/table>\n\t\t\t<\/div>\n<\/div>\n\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Be Prepared for When the Right House Comes Along You\u2019ll never regret planning and saving now. With an Idaho First-Time [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":2153,"parent":80,"menu_order":80,"comment_status":"closed","ping_status":"closed","template":"product-detail-page.php","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-630","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Idaho First-Time Homebuyer Savings - ICCU<\/title>\n<meta name=\"description\" content=\"An Idaho First-Time Homebuyer Savings Account is supported by the State of Idaho. Contributions earn interest and may be eligible for a State of Idaho tax deduction.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.iccu.com\/accounts\/savings\/idaho-first-time-homebuyer-savings\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Idaho First-Time Homebuyer Savings\" \/>\n<meta property=\"og:description\" content=\"An Idaho First-Time Homebuyer Savings Account is supported by the State of Idaho. 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