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
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!
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. |
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. |
Regular / IRA CDs
Regular & IRA Certificate Rates
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% APY1 | 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.
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. |