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.

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Certificates - Rates Effective as of June 1, 2022
Term Interest Rate Annual Percentage Yield (APY) Member Perks Rate Member Perks APY Title-Date More Info
3 Month 0.100% 0.100% 0.350% 0.350%
6 Month 0.300% 0.300% 0.550% 0.551%
12 Month 0.499% 0.500% 0.749% 0.751%
24 Month 0.599% 0.600% 0.849% 0.851%
36 Month 0.798% 0.800% 1.048% 1.052%
60 Month 0.996% 1.000% 1.246% 1.252%
**9 Month CD Special 0.996% 1.000% 1.246% 1.252%

* Fees could reduce earnings on these accounts. Rates may change at any time after account opening. A penalty may be imposed for early withdrawal. Click here for full account disclosures.

**Offer is subject to change and may be discontinued at any time. No minimum to open and must be new money not currently in existing iQ accounts. Renews automatically to the then-current 6-month certificate. Penalty for early withdrawal. No partial withdrawals or additional deposits allowed to the same certificate. It is available for personal, business, and IRA certificates. May not be combined with any other offer

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Disclosures

*Fees could reduce earnings on these accounts. Rates may change at any time after account opening. A penalty may be imposed for early withdrawal. Click here for full account disclosures.

*APY = annual percentage yield and is accurate as of June 1, 2022. The offer is subject to change and may be discontinued at any time, but no later than July 9, 2022. No minimum deposit. Money must be new to iQ. New members must meet membership qualifications. The promotional certificate will mature into a 6-month certificate, at the then-current rate. 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. Penalties may apply for early withdrawal. Fees could reduce earnings on these accounts