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Certificates of Deposit

Start your Certificate Now & Wake Up to a Bigger Balance

11-Month CD Special | 4.25% APY*

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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 September 20, 2023
Term Interest Rate Annual Percentage Yield (APY) Member Perks Rate Member Perks APY Title-Date More Info
3 Month 0.996% 1.00% 1.246% 1.25%
6 Month 1.689% 1.70% 1.939% 1.95%
11 Month CD Special1 4.184% 4.25% 4.434% 4.51%
12 Month 2.231% 2.25% 2.481% 2.50%
24 Month 2.084% 2.10% 2.334% 2.35%
36 Month 2.084% 2.10% 2.334% 2.35%
60 Month 2.084% 2.10% 2.334% 2.35%

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.

    1APY = annual percentage yield and is accurate as of September 20, 2023. Offer is subject to change and may be discontinued at any time. 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. 

    ** Business CDs do not qualify for the Member Perks .25% bump
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  • Routing Number 323383378
  • NMLS Number 643581

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