An Interior FCU Share Certificate will earn you a higher return on your savings, and will allow you to set money aside for a specific period of time. Investing money can be risky, take away that risk and earn guaranteed savings with a Share Certificate.
- Minimum opening deposit: $500
- Terms up to 60 months
All certificate lengths are also available as Traditional or Roth IRA Certificates, Coverdell Education Savings Account Certificates, and Health Savings Account Certificates. Simply fund the certificate from your IRA Retirement Account, Education Savings Account, or Health Savings Account.
Our Sweet Deal just got better. Now, that’s a Sweet Deal!
|Share Certificates||Jumbo Certificates|
|Terms (Months)||Previous APY||Current Sweet Deal APY||Terms (Months)||Previous APY||Current Sweet Deal APY|
Maximize Your Earnings with our Jumbo Share Certificate. A Jumbo Share Certificate is simply a bigger version of a regular certificate that requires a larger amount of funds to open it. Our requirement is a minimum balance of $100,000.
Go “Jumbo” and get the most from your investments.
- Offers a low-risk investment opportunity and peace of mind by guaranteeing that initial deposit is protected, no matter what happens in the economy.
- Provides higher returns than traditional certificates, saving accounts, and many other low-risk investments.
- Rate remains the same throughout the term of the certificate.
Offers flexible terms from 6 months to 60 months.
Normally, a certificate offers you a guaranteed rate of return for a specific period of time. With a Bump-Up Share Certificate^, you have the chance to “bump up” your rate when dividends rise during your term!
- Available for 20 month or 56 month share certificate
- Available on all IRA and Health Savings Account share certificates
- Penalty fees may apply
|$500 minimum||6 months||0.75%||0.75%|
|$100,000 minimum||6 months||0.80%||0.80%|
|$500 minimum||12 months^||1.50%||1.51%|
|$100,000 minimum||12 months^||1.55%||1.56%|
|$500 minimum||20 months (Bump Up)^||1.60%||1.61%|
|$100,000 minimum||20 months (Bump Up)^||1.65%||1.66%|
|$500 minimum||24 months^||1.75%||1.76%|
|$100,000 minimum||24 months^||1.80%||1.81%|
|$500 minimum||36 months^||1.85%||1.86%|
|$100,000 minimum||36 months^||1.90%||1.92%|
|$500 minimum||48 months^||2.00%||2.02%|
|$100,000 minimum||48 months^||2.10%||2.12%|
|$500 minimum||56 months (Bump Up)^||2.10%||2..12%
|$100,000 minimum||56 months (Bump Up)^||2.15%||2.17%|
|$500 minimum||60 months^||2.35%||2.37%|
|$100,000 minimum||60 months^||2.40%||2.42%|
|^Rates include the Sweet Deal offer (additional .25% APY*).|
Links within this calculator lead to a third party site, Interior FCU does not provide and is not responsible for the product, service, overall website content, security, or privacy policies on any external third-party sites.
^Member must contact the Credit Union to request the bump up of their rate. Additional funds cannot be added when the bump up option has been exercised. Minimum of $500 and no maximum. Fees may reduce the earnings. A penalty may be imposed for early withdrawal. For updated information or disclosure, inquire at any branch office or call 800.914.8619. Option not available for share certificates secured loans.
*APY=Annual Percentage Yield. Limitation of $5 million in total new share certificates for this promotion; the $5 million limit may be reached prior to December 31 causing the offer to end at that time. Special offer is only good on 12 months or greater share certificates. Accumulator share certificates are excluded from Sweet Deal offer. Minimum balance $500 in order to earn dividends. All deposit rates and terms are subject to change at any time without notice. A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Offer ends December 31, 2017.