Make your money work for you.
With a Certificate from IRFCU, you can set funds for a specific amount of time-terms from 3 months up to 60 months- and earn a higher interest rate than you would with a traditional savings account.
The longer the certificate term, the more you could earn. If you have money that you can set aside, this is a great option to enhance your savings for the future.
How to open a Certificate
Current Members: Log in to online banking and select ‘New Accounts” and then “Open a New Certificate”. If you are using the mobile app, you can simply click the plus symbol next to your name on the accounts screen and select “New Certificate Account”
NCUA Insured up to $250,000
| Certificate Term | APY | Minimum Deposit |
|---|---|---|
| 3 MONTH CERTIFICATE | 1% | $1000 |
| 6 MONTH CERTIFICATE | 2.37% | $1000 |
| 12 MONTH CERTIFICATE | 2.73% | $1000 |
| 18 MONTH CERTIFICATE | 4.32% | $1000 |
| 24 MONTH CERTIFICATE | 3.75% | $1000 |
| 30 MONTH CERTIFICATE | 3.8% | $1000 |
| 36 MONTH CERTIFICATE | 3.75% | $1000 |
| 48 MONTH CERTIFICATE | 3.55% | $1000 |
| 60 MONTH CERTIFICATE | 3.19% | $1000 |
| 18 MTH IRA SHARE CD | 4.84% | $1000 |
| 36 MTH IRA SHARE CD | 3.75% | $1000 |
| 60 MTH IRA SHARE CD | 3.19% | $1000 |
| 9 MONTH CERTIFICATE | 4.89% | $1000 |
Certificate Special
It’s worth the wait.
| Certificate term | APY* | Minimum Deposit |
| 9 Months | 4.89% | $1000.00 |
| 18 Months | 4.32% | $1000.00 |
APY = Annual Percentage Yield Dividends reported annually via 1099-INT. Consult your tax adviser regarding your individual tax situation. *Dividend penalties apply for early withdrawal. Rates are based on the date/time that funds are received and processed.
Annual Percentage Yield (APY) is accurate as of April 17, 2023. Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account.