jar of pennies
jar of pennies
Certificates - Main Slider


Certificates - Main Slider


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 now offering new certificate specials up to 5.25% APY* 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.


13-Month No-Penalty Certificate

Rates as of:
Minimum Opening Balance Term** Interest Rate
$500 + 13 Months 5.13% 5.25%

*APY = Annual Percentage Yield. The Annual Percentage Yield assumes interest remains on deposit until maturity. Rates subject to change at any time. Existing members must fund the account entirely from sources outside of Ideal CU. Minimum deposit requirement of $500. 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 is available as a traditional or IRA CD.
**Promotional no-penalty CDs will not be charged an early withdrawal interest penalty for distributions made before the CDs maturity date. The no-penalty promotion terminates on the maturity date of the CD and will not carry forward if the CD is renewed into a new term. Membership is required. 

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