Ideal Credit Union

Certificate (CD) Rates

Regular / IRA CDs
Savers CD

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	0.10% APY¹	0.15% APY¹	0.20% APY¹
6 Month	0.20% APY¹	0.25% APY¹	0.30% APY¹
12 Month	0.30% APY¹	0.35% APY¹	0.40% APY¹
18 Month	0.45% APY¹	0.50% APY¹	0.55% APY¹
24 Month	0.45% APY¹	0.50% APY¹	0.55% APY¹
30 Month	0.55% APY¹	0.60% APY¹	0.65% APY¹
36 Month	0.85% APY¹	0.90% APY¹	0.95% APY¹
48 Month	1.00% APY¹	1.06% APY¹	1.11% APY¹
60 Month	1.06% APY¹	1.11% APY^¹	1.16% 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 CD

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	0.10%	0.10%
$100	12 Month	0.15%	0.15%
$100	18 Month	0.40%	0.40%
$100	24 Month	0.40%	0.40%
$100	30 Month	0.50%	0.50%
$100	36 Month	0.55%	0.55%
$100	48 Month	0.80%	0.80%
$100	60 Month	0.85%	0.85%
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.