^*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.

^*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 deposit a minimum of $10,000 not currently on deposit at Ideal Credit Union to be eligible for this special.  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.
^**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.