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Certificate Rates As High As 2.78% APY*

48 Month CD as high as 2.78% APY*
No Penalty 13 Month CD as high as 2.07% APY*

Ideal Credit Union helps you live the ideal life. Right now that means you can grow your money faster with our great Certificate of Deposit Rates.

Call 651-770-7000

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Rates as of:
No Penalty 13 Month CD Special

Get started with as little as a $500 and earn up to 2.07%APY!*

13 Month CD Special Rates
No penalty for early withdrawal
$500.00 - $24,999.99 1.87% APY*
$25,000 - $69,999.99 1.97% APY*
$70,000.00+ 2.07% APY*
36 Month CD Special

Get started with as little as a $500 and earn up to 2.63%APY!*

36 Month CD Special Rates
$500.00 - $24,999.99 2.43% APY*
$25,000 - $69,999.99 2.53% APY*
$70,000.00+ 2.63% APY*
48 Month CD

Earn 2.78% APY* with as little as a $500.

48 Month CD Rates
$500 - $70,000 + 2.78% APY*
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*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 the Certificate is opened. Interest is compounded and credited on a monthly basis. Penalty for early withdrawal (no penalty for 13 Month Special) - CDs with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned. CD Specials will roll into a standard term certificate at maturity.
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2018 - 19 Holiday Hours

Christmas Eve (2018)
Monday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day (2018)
Tuesday, December 25th
All locations closed.


New Year's Eve (2018)
Monday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day (2019)
Tuesday, January 1st
All locations closed



Martin Luther King Jr Day
Monday, January 21st
All locations closed.


Presidents' Day
Monday, February 18th
All locations closed.


Good Friday
Friday, April 19th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 27th
All locations closed.


Independence Day
Thursday, July 4th
All locations closed.


Labor Day
Monday, September 2nd
All locations closed.


Columbus Day
Monday, October 14th
All locations closed.


Veterans Day
Monday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 28th
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.