Certificates (CDs)

Ideal CU Certificates

Both our personal and business members can choose from our regular and IRA certificates, low minimum certificates, or one of our certificate specials. Get started today and enjoy a competitive, high rate on your savings dollars.

Terms from 91 days to 60 months available
Start with as little as $500 based on the CD and term you select
Enjoy competitive savings rates

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CD Specials

New Certificate Specials

Ideal CU is offering new certificate specials up to 4.50% APY* on New Money Certificate Deposits. Grow your money faster and continue living your ideal life.

For existing members to qualify for the certificate specials, they must deposit a minimum of $10,000 from another financial institution to fund the certificate. All CD Specials will either roll into a standard term certificate or transfer to savings.

Allows for one rate-bump during term, so you can take advantage of a better rate if one becomes available.** No need to wait and see!
Current members are eligible for promotional rates with a NEW $10,000 deposit
Get started today and begin enjoying our competitive savings rates!

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Rates as of:

Minimum Opening Balance	Term^**	Interest Rate	APY^*
$500 - $24,999.99	11 Months	3.25%	3.30%
$25,000 - $69,999.99	11 Months	4.22%	4.30%
$70,000 +	11 Months	4.41%	4.50%
^APY = Annual Percentage Yield. The Annual Percentage Yield assumes interest remains on deposit until maturity. Rates subject to change at any time. Current Ideal CU members eligible for Certificate Special Rates with new money deposit of $10,000 minimum. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). Interest is compounded and credited on a monthly basis. Certificate Special rates apply to both regular CDs and IRA CDs. ^*Penalty for early withdrawal - CDs with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. Fees may reduce earnings. This promotional CD will allow for one rate bump up during the term. This rate increase will only be completed upon request and will not automatically occur. The bump up rate increase will be reflective of the current deposit rates at the time of the request. The bump up rate change does not extend or alter the original term of the CD.

Minimum Opening Balance	Term^**	Interest Rate	APY^*
$500 +	26 Months	3.93%	4.00%
^APY = Annual Percentage Yield. The Annual Percentage Yield assumes interest remains on deposit until maturity. Rates subject to change at any time. Current Ideal CU members eligible for Certificate Special Rates with new money deposit of $10,000 minimum. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). Interest is compounded and credited on a monthly basis. Certificate Special rates apply to both regular CDs and IRA CDs. ^*Penalty for early withdrawal - CDs with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned. Fees may reduce earnings.

Regular / IRA CDs

Regular & IRA Certificate Rates

Rates as of:

Term²	$500.00 - $24,999.99	$25,000.00 - $69,999.99	$70,000.00 +
91 Day	1.26% APY¹	1.31% APY¹	1.36% APY¹
6 Month	1.36% APY¹	1.41% APY¹	1.46% APY¹
12 Month	1.76% APY¹	1.81% APY¹	1.87% APY¹
18 Month	2.02% APY¹	2.07% APY¹	2.12% APY¹
24 Month	2.12% APY¹	2.17% APY¹	2.22% APY¹
30 Month	3.45% APY¹	3.51% APY¹	3.56% APY¹
36 Month	2.94% APY¹	2.99% APY¹	3.04% APY¹
48 Month	2.94% APY¹	2.99% APY¹	3.04% APY¹
60 Month	2.94% APY¹	2.99% APY^¹	3.04% APY¹
1. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Rates subject to change at any time. A withdrawal will reduce earnings. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). Interest is compounded and credited on a monthly basis. 2. Penalty for early withdrawal. CDs with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned/CD with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. Fees may reduce earnings.

Savers CDs

Savers Certificate Rates

A key benefit of the Savers CD is that you are able to make additional deposits during the term of the certificate.

Rates as of:

Minimum Opening Balance	Term²	Interest Rate	APY¹
$100	6 Month	1.25%	1.26%
$100	12 Month	1.65%	1.66%
$100	18 Month	1.90%	1.92%
$100	24 Month	2.00%	2.02%
$100	30 Month	3.30%	3.35%
$100	36 Month	2.80%	2.84%
$100	48 Month	2.80%	2.84%
$100	60 Month	2.80%	2.84%
1. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Rates subject to change at any time. A withdrawal will reduce earnings. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). Interest is compounded and credited on a monthly basis. 2. Penalty for early withdrawal. CDs with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned/CD with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. Fees may reduce earnings.

Certificates