An Interior Federal 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 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.



Maximize Your Earnings with our Jumbo Certificate.  A Jumbo Certificate is simply a bigger version of a 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 Certificate+, you have the chance to “bump up” your rate when dividends rise during your term!

  • Available for 20 month or 56 month certificate
  • Available on all IRA and Health Savings Account certificates
  • Penalty fees may apply

mother and daughter sitting on couch looking at a cellphoneThis product is available for Little Buffalos Accounts, Teen Accounts, Custodial Accounts and Young Adult Accounts only. Competitive rates with a lower minimum opening deposit! You can add to your certificate at any time during the term.

  • Minimum $50 to open
  • Minimum of $25 per deposit during life of certificate
  • Available for 24 month term

Current Rates

Certificate rates are effective as of May 1, 2024.

Certificate Rates

Balances^TermDividend RateAPY*
$500 minimum3 month4.25%4.33%
$100,000 minimum3 month Jumbo4.25%4.33%
$500 minimum6 month4.45%4.54%
$100,000 minimum6 month Jumbo4.45%4.54%
$500 minimum12 month4.40%4.49%
$100,000 minimum12 month Jumbo4.40%4.49%
$500 minimum20 month (Bump Up)3.50%3.56%
$100,000 minimum20 month Jumbo (Bump Up)3.50%3.56%
$500 minimum24 month3.60%3.66%
$100,000 minimum24 month Jumbo3.60%3.66%
$500 minimum36 month4.00%4.07%
$100,000 minimum36 month Jumbo4.00%4.07%
$500 minimum48 month3.90%3.97%
$100,000 minimum48 month Jumbo3.90%3.97%
$500 minimum56 month (Bump Up)3.70%3.76%
$100,000 minimum56 month Jumbo (Bump Up)3.70%3.76%
$500 minimum60 month3.80%3.87%
$100,000 minimum60 month Jumbo3.80%3.87%

Accumulator Certificates are available for: Little Buffalos Accounts, Teen Accounts, and Young Adult Accounts.Accumulator Certificate Rates

Balances^TermDividend RateAPY*
$50 minimum24 months3.60%3.66%

Links within this calculator lead to a third party site, Interior Federal does not provide and is not responsible for the product, service, overall website content, security, or privacy policies on any external third-party sites. Results from use of this calculator are for illustrative purposes, and do not constitute a guarantee.

If you’re currently a member, you can open your Certificate through online banking.  Once logged in, select Apply Online, Open an Account, Open a Deposit/Secondary Deposit Account.

To open a certificate, you must have a Primary Savings Account. Learn more about becoming a member.

*APY=Annual Percentage Yield. 

^Minimum of $500 for certificates and no maximum, and minimum of $100,000 for jumbo certificates. 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 certificate-secured loans. 

+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.

More details are available in our Schedule of Fees and Charges, Truth-In-Savings Disclosure and Membership Disclosure.

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