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.
    Certificates - Rates Effective as of September 28, 2022
    Term Interest Rate Annual Percentage Yield (APY) Member Perks Rate Member Perks APY Title-Date More Info
    3 Month 0.449% 0.45% 0.699% 0.70%
    6 Month 0.748% 0.75% 0.998% 1.00%
    12 Month 1.244% 1.25% 1.494% 1.50%
    24 Month 1.985% 2.00% 2.235% 2.25%
    36 Month 2.379% 2.40% 2.629% 2.65%
    60 Month 2.575% 2.60% 2.825% 2.85%
    *11 Month CD Special 2.231% 2.25% 2.481% 2.50%
    *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 Sept. 1, 2022. Offer is subject to change and may be discontinued at any time, but no earlier than Nov. 30, 2022. This promotional certificate has an 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. 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. Click here for full account disclosures.

    Calculators & Tools
    Get Started

    Choose one of the options below:

    • 025-login

      Apply Online

    • call_FILL0_wght400_GRAD0_opsz48

      Call Us

    • 015-building

      Visit Us in Branch

    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 Sept. 1, 2022. Offer is subject to change and may be discontinued at any time, but no earlier than Nov. 30, 2022. This promotional certificate has an 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. 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. Click here for full account disclosures.

    Chat with us
     

    Contact Information

    About

    Member Services

    Get iQ App

    Talk to Us

    Legal

    Join Our Community

    Stay connected

    © 2022 iQ Credit Union

    If you use links provided on this iQ Credit Union website to third-party Internet sites and services, you acknowledge that you are leaving iQ Credit Union's website and are going to a website that is not operated by the credit union. iQ Credit Union is not responsible for the content or availability of linked sites. iQ Credit Union does not represent either the third party or the member if you enter into a transaction; and privacy and security policies may differ from those practiced by the credit union.