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Certificates of Deposit + IRA

Set it. Forget it. Enjoy the payoff.

Earn more with this limited-time option featuring a special rate and term for new money.

Apply Online

*Current iQ members must bring in at least half their deposit in funds not already with iQ to qualify.

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Our CD specials are here for a limited-time.

Lock in a great rate today to set it, forget it, and let your balance do the earning.

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  • Money growing icon

    No minimum or maximum balance to open

    Here for every saver, so you can earn more on any savings you bring in.

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    Enjoy a 0.25% APY rate bump with Member Perks

    When you're enrolled in our Member Perks program, you can request this extra rate bump to your CD rate. 

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    It starts with new money

    Every CD is funded with money from outside iQ. As a member, only half of your deposit needs to be new. 

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 may 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.

Individual Retirement Account (IRA)

Use your savings account to help chart your path for retirement planning. iQ offers competitive rates on IRA certificates. Opening an IRA account is your first step to a more secure future.

Apply Online

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Certificate of Deposit

Rates

Deposit Products Certificates, IRA Certificates

Certificates

Rates Effective as of August 1, 2026

Term Interest Rate Annual Percentage Yield (APY) Member Perks Rate Member Perks APY
3-Month Interest Rate 0.996% Annual Percentage Yield (APY) 1.00% Member Perks Rate 1.246% Member Perks APY 1.25%
6-Month Interest Rate 1.837% Annual Percentage Yield (APY) 1.85% Member Perks Rate 2.087% Member Perks APY 2.10%
12-Month Interest Rate 2.477% Annual Percentage Yield (APY) 2.50% Member Perks Rate 2.727% Member Perks APY 2.75%
24-Month Interest Rate 2.477% Annual Percentage Yield (APY) 2.50% Member Perks Rate 2.727% Member Perks APY 2.75%
36-Month Interest Rate 2.477% Annual Percentage Yield (APY) 2.50% Member Perks Rate 2.727% Member Perks APY 2.75%
60-Month Interest Rate 2.477% Annual Percentage Yield (APY) 2.50% Member Perks Rate 2.727% Member Perks APY 2.75%
7-Month CD Special Interest Rate 4.184% Annual Percentage Yield (APY) 4.25% Member Perks Rate 4.434% Member Perks APY 4.50%
19-Month CD Special Interest Rate 3.698% Annual Percentage Yield (APY) 3.75% Member Perks Rate 3.948% Member Perks APY 4.00%

*APY = annual percentage yield

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 7-month CD special: At maturity, promotional certificate will mature into a 6-month certificate, at then-current rate.

2 19-month CD special: At maturity, promotional certificate will mature into a 12-month certificate, at then-current rate.

Rates are accurate as of August 1, 2026. Offer is subject to change and may be discontinued at any time, but no earlier than September 30, 2026. No minimum deposit. New members must meet membership qualifications. For existing members to qualify for promotion, at least 50% of the funds used to open a new certificate must come from sources other than iQ Credit Union accounts. New memberships must be funded entirely from sources other than iQ Credit Union Accounts. 

**Eligible for Member Perks bump upon qualification and request at CD opening. To receive Member Perks, your iQ account must feature a savings and checking account with an active 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. Federally insured by the NCUA.

** Business CDs do not qualify for the Member Perks .25% bump.

IRA Certificates

Rates Effective as of August 1, 2026

Term Interest Rate Annual Percentage Yield (APY) Member Perks Rate Member Perks APY
3 Month Interest Rate 0.996% Annual Percentage Yield (APY) 1.00% Member Perks Rate 1.246% Member Perks APY 1.25%
6 Month Interest Rate 1.837% Annual Percentage Yield (APY) 1.85% Member Perks Rate 2.087% Member Perks APY 2.10%
12 Month Interest Rate 2.477% Annual Percentage Yield (APY) 2.50% Member Perks Rate 2.727% Member Perks APY 2.75%
24 Month Interest Rate 2.477% Annual Percentage Yield (APY) 2.50% Member Perks Rate 2.727% Member Perks APY 2.75%
36 Month Interest Rate 2.477% Annual Percentage Yield (APY) 2.50% Member Perks Rate 2.727% Member Perks APY 2.75%
60 Month Interest Rate 2.477% Annual Percentage Yield (APY) 2.50% Member Perks Rate 2.727% Member Perks APY 2.75%
7-Month CD Special Interest Rate 4.184% Annual Percentage Yield (APY) 4.25% Member Perks Rate 4.434% Member Perks APY 4.50%
19-Month CD Special Interest Rate 3.698% Annual Percentage Yield (APY) 3.75% Member Perks Rate 3.948% Member Perks APY 4.00%

*APY = annual percentage yield

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 7-month CD special: At maturity, promotional certificate will mature into a 6-month certificate, at then-current rate.

2 19-month CD special: At maturity, promotional certificate will mature into a 12-month certificate, at then-current rate.

Rates are accurate as of August 1, 2026. Offer is subject to change and may be discontinued at any time, but no earlier than September 30, 2026. No minimum deposit. New members must meet membership qualifications. For existing members to qualify for promotion, at least 50% of the funds used to open a new certificate must come from sources other than iQ Credit Union accounts. New memberships must be funded entirely from sources other than iQ Credit Union Accounts. 

**Eligible for Member Perks bump upon qualification and request at CD opening. To receive Member Perks, your iQ account must feature a savings and checking account with an active 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. Federally insured by the NCUA.

** Business CDs do not qualify for the Member Perks .25% bump.

Calculators & Tools

Use our helpful calculators to help guide your financial decisions

 

Compare Two CDs

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Enter your deposit amounts, rates, and terms above, then press Calculate to compare.

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Disclosures

  • *APY = annual percentage yield

    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 7-month CD special: At maturity, promotional certificate will mature into a 6-month certificate, at then-current rate.

    2 19-month CD special: At maturity, promotional certificate will mature into a 12-month certificate, at then-current rate.

    Rates are accurate as of August 1, 2026. Offer is subject to change and may be discontinued at any time, but no earlier than September 30, 2026. No minimum deposit. New members must meet membership qualifications. For existing members to qualify for promotion, at least 50% of the funds used to open a new certificate must come from sources other than iQ Credit Union accounts. New memberships must be funded entirely from sources other than iQ Credit Union Accounts. 

    **Eligible for Member Perks bump upon qualification and request at CD opening. To receive Member Perks, your iQ account must feature a savings and checking account with an active 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. Federally insured by the NCUA.

    ** Business CDs do not qualify for the Member Perks .25% bump.

  • All Checking Accounts: *APY = annual percentage yield. Fees could reduce earnings on this account. Rate may change at any time after account is open. Click here for full account disclosures.


    Truth-in-Savings Disclosure: Except as specifically described, the following disclosures apply to all accounts.

    • Rate Information. The Interest/Dividend Rate and Annual Percentage Yield (APY) on your accounts are set forth in the Personal Rate Schedule. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest/dividends to be paid on an account based on the Interest/Dividend Rate and frequency of compounding for an annual period. The Interest/Dividend Rate may change monthly as determined by the Board of Directors. For all Money Market and IRA type share accounts, the rate may change weekly on Wednesdays as set by the Credit Union. If the Money Market balance drops below the Minimum Balance, then the interest rate will reflect the current share rate. Qualifying Intelligent Checking Accounts are tiered rate accounts. For these accounts, the interest rate applicable to a particular balance tier will apply only to the portion of the daily balance that is within the balance range for that tier. Terms and conditions to earn the Intelligent Checking rates apply, please see the Intelligent Checking Terms & Conditions for more information. Terms and conditions to earn the Intelligent Savings rate apply. Please see the Intelligent Savings Terms & Conditions for more information.
    • Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield set forth in the Personal Rate Schedule are prospective rates that reflect the earnings the Credit Union anticipates paying for the Dividend Period.
    • Compounding and Crediting. For all accounts, interest/dividends will be compounded and credited monthly. The Dividend Period begins on the first calendar day of the month and ends on the last calendar day of the month.
    • Accrual of Interest/Dividends. Interest/dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest/dividends begin to accrue on cash and non-cash (e.g., checks) deposits on the business day you make the deposit to your account. For all accounts, except Money Market and IRA / SEP accounts, if you close your account before accrued interest/dividends are credited, accrued interest/dividends will not be paid. Fees could reduce the earnings on an account.
    • Balance Information. The minimum balance required to open each account is set forth in the Personal Rate Schedule. The minimum monthly balance required to avoid a service fee or obtain the stated Annual Percentage Yield is set forth in the Personal Rate Schedule. For Money Market accounts, there is a minimum balance required to avoid a service fee. For Primary Shares, Money Market, Secondary Shares (over 21) and IRA / SEP accounts, there is a minimum balance required to obtain the Annual Percentage Yield for the Dividend Period.
    • Account Limitations. For Non-Profit Organizations and Money Market accounts, transaction limitations may apply. We may limit to no more than six (6) preauthorized, automatic, overdraft, Online and Mobile Banking, telephonic or audio response transfers from those accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to a fee. Refer to the Membership & Account Agreement for additional information. Intelligent Checking accounts are limited to one per account. Intelligent Savings accounts are limited to one per account. Refer to the Personal Fee Schedule for current pricing. Refer to the Easy Saver Terms and Conditions for program details, including limitations on deposits and withdrawals.