Certificates

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Save & Earn

Make your money work for you

IRFCU offers great Share Certificate options! Become a member and start your savings journey!


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 Rates - Effective Thursday, May 30, 2024
Certificate TermAPYMinimum Deposit
3 MONTH CERTIFICATE1%$1000
6 MONTH CERTIFICATE2.37%$1000
12 MONTH CERTIFICATE2.73%$1000
18 MONTH CERTIFICATE4.58%$1000
24 MONTH CERTIFICATE3.75%$1000
30 MONTH CERTIFICATE3.8%$1000
36 MONTH CERTIFICATE3.75%$1000
48 MONTH CERTIFICATE3.55%$1000
60 MONTH CERTIFICATE3.19%$1000
18 MTH IRA SHARE CD4.84%$1000
36 MTH IRA SHARE CD3.75%$1000
60 MTH IRA SHARE CD3.19%$1000
9 MONTH CERTIFICATE5.35%$1000

Investment Yield Calculator

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Certificate Special

It’s worth the wait.

Certificate termAPY*Minimum Deposit
9 Months5.35%$1000.00
18 Months4.58%$1000.00
*Annual Percentage Yield. APYs current as of 8.1.2023 and apply to Share Certificates opened in new money with at least the minimum amount indicated.  Minimum balance must be maintained to obtain APY. Early withdrawal penalties apply.  Fees may reduce earnings. Offer is subject to change or termination at any time without notice.

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.


Annual Meeting: May 15, 2024 at 5:30pmClick to Join Virtually