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 now offering new certificate specials for both our personal and business members! All CD Specials will either roll into a standard term certificate or transfer to savings.

Grow your money faster and continue living your ideal life.

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7-Month New Money Certificate Special

Rates as of:

Minimum Opening Balance	Term	Interest Rate	APY^*
$500 +	7 Months	4.98%	5.10%
^*APY = Annual Percentage Yield. The Annual Percentage Yield assumes interest remains on deposit until maturity. Rates subject to change at any time. Open with a minimum of $500 from sources outside of Ideal. If combining with existing funds deposited at Ideal, a minimum of $10,000 in additional new money is required. 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. A penalty may be imposed for early withdrawal. Certificate Special is available as a traditional or IRA CD.

19-Month New Money Certificate Special

Rates as of:

Minimum Opening Balance	Term	Interest Rate	APY^**
$500 +	19 Months	4.60%	4.70%
^**APY = Annual Percentage Yield. The Annual Percentage Yield assumes interest remains on deposit until maturity. Rates subject to change at any time. Open with a minimum of $500 from sources outside of Ideal. If combining with existing funds deposited at Ideal, a minimum of $10,000 in additional new money is required. 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. A penalty may be imposed for early withdrawal. Certificate Special is available as a traditional or IRA 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 +
3 Month	4.10% APY¹	4.10% APY¹	4.10% APY¹
6 Month	4.10% APY¹	4.10% APY¹	4.10% APY¹
12 Month	4.10% APY¹	4.10% APY¹	4.10% APY¹
18 Month	4.10% APY¹	4.10% APY¹	4.10% APY¹
24 Month	4.10% APY¹	4.10% APY¹	4.10% APY¹
30 Month	4.10% APY¹	4.10% APY¹	4.10% APY¹
36 Month	3.50% APY¹	3.50% APY¹	3.50% APY¹
48 Month	3.50% APY¹	3.50% APY¹	3.50% APY¹
60 Month	3.50% APY¹	3.50% APY^¹	3.50% 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

Certificates