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Certificates of Deposit (CDs)

A Great Way to Save Money and Earn a Higher Yield

Unlike money market accounts or savings accounts, a certificate of deposit will yield higher interest in exchange for a commitment to save the money for a period of time, from a few months to a few years. You get a guaranteed rate of return, and your money is secure. It’s like having seed money that’s guaranteed to grow.

Contact Us to learn more about certificates of deposit.

Certificate of Deposit

Rates

Rates Effective as of February 8, 2023
Term Interest Rate Annual Percentage Yield (APY) Member Perks Rate Member Perks APY Title-Date More Info
3 Month 0.698% 0.70% 0.948% 0.95%
6 Month 1.343% 1.35% 1.593% 1.60%
12 Month 2.231% 2.25% 2.481% 2.50%
24 Month 2.967% 3.00% 3.217% 3.25%
36 Month 3.211% 3.25% 3.461% 3.50%
60 Month 3.455% 3.50% 3.705% 3.75%
117 Month CD Special 4.184% 4.25% 4.434% 4.50%
27 Month CD Special 3.941% 4.00% 4.191% 4.25%
39 Month CD Special 2.477% 2.50% 2.727% 2.75%
411 Month CD Special 4.668% 4.75% 4.918% 5.00%

Calculators & Tools

Use our helpful calculators to help guide your financial decisions

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Disclosures

  • All Certificates: *Fees could reduce earnings on these accounts. Rates may change at any time after account opening. A penalty may be imposed for early withdrawal. Eligible for Member Perks bump upon qualification and request at CD opening. In order to receive Member Perks, your iQ account must feature a savings and checking account with a debit card, as well as enrollment in eStatements and our Easy Saver program. New members must meet membership qualifications. Business certificates are not eligible for Member Perks bump. Click here for full account disclosures.

  • 1 17-Month CD Special APY = annual percentage yield and is accurate as of Dec. 1, 2022. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 17-month term and there are no minimum or maximum deposit amounts required. New members must meet membership qualifications. Promotional certificate will mature into a 12-month certificate, at then-current rate.

  • 27-Month CD SpecialAPY = annual percentage yield and is accurate as of Dec. 1, 2022. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 7-month term and there are no minimum or maximum deposit amounts required. New members must meet membership qualifications. Promotional certificate will mature into a 6-month certificate, at then-current rate.

  • 39-Month CD Special APY = annual percentage yield and is accurate as of November. 1, 2022. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 9-month term and there are no minimum or maximum deposit amounts required. Promotional certificate will mature into a 6-month certificate, at then-current rate.

  • 4 11-Month CD Special APY = annual percentage yield and is accurate as of February 6, 2023. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 11-month term and there are no minimum or maximum deposit amounts required. New members must meet membership qualifications. Promotional certificate will mature into a 6-month certificate, at then-current rate.

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  • Routing Number 323383378
  • NMLS Number 643581

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