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Certificates (CDs)

Open an Account Make an Appointment

You set the pace with flexible terms that match your savings style

Your rate is locked in from the start, so you can relax and let it grow

Earn more with higher interest designed to boost your balance

No monthly fees - just steady, secure growth

It's how smart savers make good use of their time

Some investments require constant attention and shifting of funds. In contrast, a Certificate of Deposit (CD) is low maintenance – and high earning. Choose a savings period that aligns with your future plans, lock in a money-making rate, and watch your balance steadily grow month by month as you take care of everything else in your life.

  • Certificates offer solid earnings for everyday savings and retirement plans
  • Longer terms usually will earn higher rates
  • Your deposit is protected, though early withdrawals may reduce interest
  • We’ll notify you 25 days before your Certificate matures
  • You’ll have 7 days after maturity to share your plans, otherwise, we’ll renew it into a similar Certificate


Start working towards your financial goals with a savings account at competitive rates from Ideal Credit Union. We have a Minnesota branch near you.

Save smarter and watch your money grow

With competitive rates and no risk to your deposit, Ideal CU certificates make it easy to build your savings, whether you're planning ahead or saving for something special.

Effective Date: June 22, 2026
Minimum Opening Balance
Term
Interest Rate
APY*
$500 + 13 Months 3.68% 3.75%

*APY = Annual Percentage Yield. The Annual Percentage Yield assumes interest remains on deposit until maturity. Minimum balance of $500 required to open special certificate and earn the disclosed APY, new money only. New money is defined as funds that are not currently deposited in any Ideal Credit Union account. If combining with existing funds deposited at Ideal, a minimum of $5,000 in additional new money is required. Penalty applies for early withdrawal. Certificate special may be discontinued at any time without warning. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). Interest is compounded and credited monthly. Certificate Special is available as a traditional or IRA Certificate. Certificates with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned/Certificate with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. Rates subject to change at any time.


Effective Date: June 22, 2026
Term2
$500.00 - $24,999.99

APY1
$25,000.00 - $69,999.99

APY1
$70,000.00 +

APY1
3 Month 3.00% 3.00% 3.00%
6 Month 3.50% 3.50% 3.50%
12 Month 3.60% 3.60% 3.60%
18 Month 3.00% 3.00% 3.00%
24 Month 3.00% 3.00% 3.00%
30 Month 3.50% 3.50% 3.50%
36 Month 3.00% 3.00% 3.00%
48 Month 3.00% 3.00% 3.00%
60 Month 3.00% 3.00% 3.00%

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. Certificates with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned/Certificates with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. Rates subject to change at any time.

With a Savers CD, you can make additional deposits during the term of the Certificate to boost your savings even more.

Effective Date: June 22, 2026
Minimum Opening Balance
Term2
Interest Rate
APY1
$100 6 Month 1.05% 1.06%
$100 12 Month 1.45% 1.46%
$100 18 Month 2.60% 2.64%
$100 24 Month 2.60% 2.64%
$100 30 Month 2.60% 2.64%
$100 36 Month 2.60% 2.64%
$100 48 Month 2.60% 2.64%
$100 60 Month 2.60% 2.64%

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. Certificates with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned/Certificates with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. Rates subject to change at any time.

Hand-picked for you
The Busy Parent

Perfect for those constantly doing the daily juggle.

Digital Banking

Track transactions, pay bills, check balances and more.

 High-Yield Savings

Earn even more for your family - no fees, no fuss, just smarter saving.

 Auto Loans

Low-rate loans that are fast, easy and built for your busy days.
The Retirement Dreamer

Plan ahead for the retirement you deserve.

IRAs

Enjoy tax-advantaged savings for your future goals.

 Certificates of Deposit

Grow your nest egg safely with smart investment options.

 Digital Banking

Track transactions, pay bills, check balances and more.
The Busy Parent

Perfect for those constantly doing the daily juggle.

Digital Banking

Track transactions, pay bills, check balances and more.

 High-Yield Savings

Earn even more for your family - no fees, no fuss, just smarter saving.

 Auto Loans

Low-rate loans that are fast, easy and built for your busy days.
The Retirement Dreamer

Plan ahead for the retirement you deserve.

IRAs

Enjoy tax-advantaged savings for your future goals.

 Certificates of Deposit

Grow your nest egg safely with smart investment options.

 Digital Banking

Track transactions, pay bills, check balances and more.
The Busy Parent

Perfect for those constantly doing the daily juggle.

Digital Banking

Track transactions, pay bills, check balances and more.

 High-Yield Savings

Earn even more for your family - no fees, no fuss, just smarter saving.

 Auto Loans

Low-rate loans that are fast, easy and built for your busy days.
The Retirement Dreamer

Plan ahead for the retirement you deserve.

IRAs

Enjoy tax-advantaged savings for your future goals.

 Certificates of Deposit

Grow your nest egg safely with smart investment options.

 Digital Banking

Track transactions, pay bills, check balances and more.

Frequently Asked Questions

 

Yes. For terms over 12 months, the penalty is the lesser of 180 days’ interest or total interest earned. For terms of 12 months or less, it’s the lesser of 90 days’ interest or total interest earned.

Visit our rates page to view current CD, loan and deposit rates (idealcu.com/rates).

You have a 7-day grace period after maturity to make changes, deposit or withdraw funds or close the account.

About 15–30 minutes.

We’ll send you a written notice at least 25 days before the maturity date.

The rate in effect on the day you open the account.

CDs renew automatically at maturity. If you want to make changes, call us at 651-770-7000 or schedule an appointment.

Interest begins the day you open the account.

Disclaimers

*APY = Annual Percentage Yield. The Annual Percentage Yield assumes interest remains on deposit until maturity. Minimum balance of $500 required to open special certificate and earn the disclosed APY, new money only. New money is defined as funds that are not currently deposited in any Ideal Credit Union account. If combining with existing funds deposited at Ideal, a minimum of $5,000 in additional new money is required. Penalty applies for early withdrawal. Certificate special may be discontinued at any time without warning. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). Interest is compounded and credited monthly. Certificate Special is available as a traditional or IRA Certificate. Certificates with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned/Certificate with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. Rates subject to change at any time.


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. Certificates with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned/Certificates with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. Rates subject to change at any time.

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