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

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    Savings account

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

     

    Apply Online

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    Easy Saver

    Every time you use your debit card, you add a little more to your savings account.

    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

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    Money Market Account

    Maintain a $1,000 balance and watch the money grow.

    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

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    Individual retirement accounts (IRAs)

    Tax-deferred savings to secure your future.

    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.

     

    Learn More
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    Certificates of Deposits (CDs)

    Earn better-than-savings returns.

    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.

    Learn More

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

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    Mobile banking

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    Online banking

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    Direct deposit

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    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.

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.

IRA Certificates - Rates Effective as of September 28, 2022
Term Interest Rate Annual Percentage Yield (APY) Member Perks Interest 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.

Youth Shares - Rates Effective as of March 30, 2022
Balance Dividend Rate Annual Percentage Yield* Title-Date More Info
$0+ 0.050% 0.05%

* Fees could reduce earnings on this account. Rate may change at any time after account is open. Youth accounts are for individuals aged 0-17. Click here for full account disclosures.

Easy Saver - Rates Effective as of March 30, 2022
Balance Dividend Rate Annual Percentage Yield* Title-Date More Info
$0+ 0.050% 0.05%

* Fees could reduce earnings on this account. Rate may change at any time after account is open. Click here for full account disclosures. Click here for Terms and Conditions.