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.
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||1.30%||1.31%|
|$100,000 minimum||6 months||1.80%||1.81%|
|$500 minimum||12 months||1.95%||1.96%|
|$100,000 minimum||12 months||2.20%||2.22%|
|$500 minimum||20 months (Bump Up)||2.05%||2.07%|
|$100,000 minimum||20 months (Bump Up)||2.20%||2.22%|
|$500 minimum||24 months||2.20%||2.22%|
|$100,000 minimum||24 months||2.35%||2.37%|
|$500 minimum||36 months||2.50%||2.52%|
|$100,000 minimum||36 months||2.55%||2.57%|
|$500 minimum||48 months||2.70%||2.73%|
|$100,000 minimum||48 months||2.80%||2.83%|
|$500 minimum||56 months (Bump Up)||2.85%||2.88%|
|$100,000 minimum||56 months (Bump Up)||2.95%||2.98%|
|$500 minimum||60 months||2.95%||2.98%|
|$100,000 minimum||60 months||3.05%||3.09%|
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.
+Limited time offer that may be withdrawn at any time. *Annual Percentage Yield (APY) is valid as of 07.01.18 and assumes quarterly
compounding. Minimum balance to open this Certificate and earn the stated APY is $500 in new money. New money is defined as
money that was not on deposit with Interior Federal Credit Union at or within 90 days prior to account opening. Money must remain on
deposit for length of time specified to earn stated APY. Upon maturity, this Certificate will automatically renew in 12-month intervals
earning the then current APY of the traditional 12-month Certificate. Penalty for early withdrawal. Fees may reduce earnings. Offer is
restricted to consumer accounts only and is not valid for brokered deposits, institutional investors, or public funds. IRAs are eligible.
Federally Insured by NCUA