Certificate Special
New Certificate Specials
Ideal CU is offering new certificate specials up to 5.00% APY* on New Money Certificate Deposits. Grow your money faster and continue living your ideal life.
For existing members to qualify for the certificate specials, they must deposit a minimum of $500 from another financial institution to fund the certificate. All CD Specials will either roll into a standard term certificate or transfer to savings.
13-Month No-Penalty Certificate
| Minimum Opening Balance | Term** | Interest Rate |
APY*
|
|---|---|---|---|
| $500 + | 13 Months | 5.13% | 5.25% |
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*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. |
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Regular / IRA CDs
Regular & IRA Certificate Rates
| Term2 | $500.00 - $24,999.99 | $25,000.00 - $69,999.99 | $70,000.00 + |
|---|---|---|---|
| 91 Day | 1.26% APY1 | 1.31% APY1 | 1.36% APY1 |
| 6 Month | 1.36% APY1 | 1.41% APY1 | 1.46% APY1 |
| 12 Month | 1.76% APY1 | 1.81% APY1 | 1.87% APY1 |
| 18 Month | 2.02% APY1 | 2.07% APY1 | 2.12% APY1 |
| 24 Month | 2.12% APY1 | 2.17% APY1 | 2.22% APY1 |
| 30 Month | 3.45% APY1 | 3.51% APY1 | 3.56% APY1 |
| 36 Month | 2.94% APY1 | 2.99% APY1 | 3.04% APY1 |
| 48 Month | 2.94% APY1 | 2.99% APY1 | 3.04% APY1 |
| 60 Month | 2.94% APY1 | 2.99% APY1 | 3.04% 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. |
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Savers CD
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.
| 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. |
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