Deposit Accounts

Your savings account is your passport to iQ membership privileges. We offer a bunch of easy ways to save:

  • Savings account

    $5 is all you need to open a savings account and become an iQ member.

     

    Apply Online

    All Savings 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

    1. 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.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. Account Limitations. For Primary and Secondary Shares, Non-Profit Organizations and Money Market accounts, transaction limitations will apply. No more than six (6) preauthorized, automatic, overdraft, Online and Mobile Banking, telephonic or audio response transfers may be made 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 or be closed. Refer to the Membership & Account Agreement for additional information. Intelligent Checking 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

  • Easy Saver

    You know the old saying, “You have to spend money to make money”? At iQ, that is literally true with our Easy Saver program.

    Once you enroll in Easy Saver, you earn money with every debit card transaction. Every time you make a debit card purchase, the amount is automatically rounded up to the next dollar, and the difference is deposited into your savings account. Every quarter you receive a match of 5% on everything you save, up to $300 each year.

    When you spend using Easy Saver, it literally puts money in the bank!

     

    Apply Online

  • Money Market Account

    iQ’s money market accounts offer competitive interest rates and give you more flexibility with your savings.

    Maintain a balance of $1,000 to start, and watch your money grow. Depending on your balance, you land in one of four tiers, each with its own APY—the more you deposit, the higher the return.

    Rates are calculated daily, and funds are readily accessible. You can make up to six withdrawals per month without incurring fees.

     

    Apply Online

    Money Market Accounts: * Fees could reduce earnings on these accounts. Rates may change at any time, including after account is opened. Click here for full account disclosures. Minimum balance of $1000 required to avoid monthly service fee.

  • 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

    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.

  • Certificate of Deposit (CD)

    Certificate of deposit (CDs) are a great way to save money and earn a higher yield. Certificates of deposit give you a higher interest rate 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.

    Apply Online

    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.

Features

With all iQ accounts, you get great value-added services, such as:

  • mobile-banking

    Mobile banking

  • online-payment

    Online banking

  • donation

    Direct deposit

  • atm (1)

    iQ also belongs to a nationwide network that gives you access to 30,000 ATMs with absolutely no fees.

It pays to be an iQ member, especially if you take advantage of our iQ Member Perks.

Click here for full account disclosures.

Application

Ready to Get Started?

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Current Rates

Deposit Products

Certificates of Deposit

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.

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1 17-Month CD Special APY = annual percentage yield and is accurate as of Dec. 1, 2022. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 17-month term and there are no minimum or maximum deposit amounts required. New members must meet membership qualifications. Promotional certificate will mature into a 12-month certificate, at then-current rate.

,

27-Month CD SpecialAPY = annual percentage yield and is accurate as of Dec. 1, 2022. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 7-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.

,

39-Month CD Special APY = annual percentage yield and is accurate as of November. 1, 2022. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 9-month term and there are no minimum or maximum deposit amounts required. Promotional certificate will mature into a 6-month certificate, at then-current rate.

,

4 11-Month CD Special APY = annual percentage yield and is accurate as of February 6, 2023. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 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.

IRA Certificates

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 17-Month CD Special APY = annual percentage yield and is accurate as of Dec. 1, 2022. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 17-month term and there are no minimum or maximum deposit amounts required. New members must meet membership qualifications. Promotional certificate will mature into a 12-month certificate, at then-current rate.

,

27-Month CD SpecialAPY = annual percentage yield and is accurate as of Dec. 1, 2022. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 7-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.

,

39-Month CD Special APY = annual percentage yield and is accurate as of November. 1, 2022. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 9-month term and there are no minimum or maximum deposit amounts required. Promotional certificate will mature into a 6-month certificate, at then-current rate.

,

4 11-Month CD Special APY = annual percentage yield and is accurate as of February 6, 2023. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 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.

Money Market

Youth Accounts

Easy Saver

Calculators & Tools

Use our helpful calculators to help guide your financial decisions

Disclosures

  • All Savings 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

    1. 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.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. Account Limitations. For Primary and Secondary Shares, Non-Profit Organizations and Money Market accounts, transaction limitations will apply. No more than six (6) preauthorized, automatic, overdraft, Online and Mobile Banking, telephonic or audio response transfers may be made 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 or be closed. Refer to the Membership & Account Agreement for additional information. Intelligent Checking 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

  • 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.

  • 39-Month CD Special APY = annual percentage yield and is accurate as of November. 1, 2022. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 9-month term and there are no minimum or maximum deposit amounts required. Promotional certificate will mature into a 6-month certificate, at then-current rate.

  • 27-Month CD SpecialAPY = annual percentage yield and is accurate as of Dec. 1, 2022. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 7-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.

  • 1 17-Month CD Special APY = annual percentage yield and is accurate as of Dec. 1, 2022. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 17-month term and there are no minimum or maximum deposit amounts required. New members must meet membership qualifications. Promotional certificate will mature into a 12-month certificate, at then-current rate.

  • 4 11-Month CD Special APY = annual percentage yield and is accurate as of February 6, 2023. Offer is subject to change and may be discontinued at any time. This promotional certificate has a 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.

  • Money Market Accounts: * Fees could reduce earnings on these accounts. Rates may change at any time, including after account is opened. Click here for full account disclosures. Minimum balance of $1000 required to avoid monthly service fee.