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Certificate of deposit (CDs) are a risk-free 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.

No Risk, Great Rewards

Pays Higher Interest than a Savings Account

Longer term CDs have Higher Rates of Return

A Fixed Rate of Return is Guaranteed

Funds are Insured by the National Credit Union (NCUA)

No Minimums to Open a Certificate

Get Details
Rates effective as of August 21, 2019
Term Interest Rate Annual Percentage Yield (APY) Member Perks Rate Member Perks APY
3 Month 1.541% 1.550% 1.791% 1.803%
6 Month 1.788% 1.800% 2.038% 2.054%
12 Month 2.084% 2.100% 2.334% 2.354%
24 Month 2.575% 2.600% 2.825% 2.855%
36 Month 2.673% 2.700% 2.923% 2.955%
60 Month 3.016% 3.050% 3.266% 3.306%

* Penalties may be imposed for early withdrawal. Fees could reduce earnings on these accounts. Rates may change at any time. Eligible for 0.25% APR rate bump for qualified Member Perks accounts.

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Certificate of Deposit FAQs

Eligibility for membership:

  • Any person who lives, works, or attends school in the State of Washington
  • Any person who lives or works in the following six Oregon counties: Clackamas, Columbia, Hood River, Multnomah, Washington or Yamhill
  • Any immediate family member of an existing iQ member. This includes:
  • Spouse, parents, grandparents, children, grandchildren, brothers, sisters, aunts, and uncles; also including “half” and “step” siblings, parents, and grandparents; and
  • Domestic partner of a member
  • Members of the Pacific Foundation for Blind Children (PFBC) who live or work within the state of Oregon
  • Certified or Classified school employee within southwest Washington
  • Businesses (Sole Prop, LLC, Partnership, Corp) that are legal entities within the State of Washington
  • Businesses (Sole Prop, LLC, Partnership, Corp) located within the following six Oregon counties: Clackamas, Columbia, Hood River, Multnomah, Washington or Yamhill

Minimum deposit to open an account:

  • General Membership (21 and older)- $5.00
  • Minor Accounts (20 and younger)- $5.00
  • Non-Profit Organizational Accounts- $5.00
  • Business Accounts- $5.00

Other Requirements:

Valid Social Security number, Tax ID number or Employee Identification number:

For non-citizens that do not have a TIN, a signed W-8BEN form must be obtained and acceptable identification such as a US-issued Alien ID card or foreign passport showing evidence of nationality/residence.

Residential Address:

Applicants must provide their physical address on the account application

A PO box may be provided as a mailing address, as long as a physical address is also provided.

If ID displays a previous address; a utility bill, rental agreement or mortgage paperwork showing their name may be used to verify new address.

Identification:

U.S. Adult Persons (18 years of age & older):

  • State-issued Driver’s License
  • State-issued ID Card
  • State-issued Department of Corrections Card (with photo & signature)
  • S. Passport or U.S. Passport Card
  • S. Military ID Card (do NOT photocopy or scan)
  • Tribal ID Card (may not have a photo)

U.S. Children & Students (Ages 17 & under):

  • Primary ID for minor children is their parent or guardian
  • For High School students (age 17 & under)
    • State-issued Driver’s Intermediate License
    • State-issued Driver’s Instruction Permit
    • State-issued ID Card
    • Student ID Card– must be current school year (may or may not have a photo)

Non-U.S. Persons (All ages):

  • Permanent Resident Card
  • Foreign Passport
  • Foreign Government ID with photo
  • Cédula Card
  • Mexican Matricula Consular ID

Required Documents for Business Accounts:

Corporation:

  • Corporate Bylaws
  • Articles of Incorporation
  • Proof of registration with the Secretary of State
  • Business License
  • Federal Tax ID Number (TIN) or Employer Identification Number (EIN)
  • Valid ID for all signers

Limited Liability Company (LLC):

  • Limited Liability Operating Agreement or Company Agreement
  • Proof of registration with the Secretary of State
  • Business License
  • Federal Tax ID Number (TIN) or Employer Identification Number (EIN)
  • Valid ID for all signers

Partnership:

  • Partnership Agreement
  • Proof of registration with the Secretary of State
  • Business License
  • Federal Tax ID Number (TIN) or Employer Identification Number (EIN)
  • Valid ID for all signers

Sole Proprietorship:

  • Business License
  • Federal Tax ID Number (TIN) or Employer Identification Number (EIN) or Social Security Number
  • Valid ID for all signers

Association, Club, & Organization Accounts:

  • Meeting minutes outlining the title of the Authorized Signers
  • Valid ID for all signers
  • EIN is required
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