iQ Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, iQ Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on a 7-month relationship CD. That is 3.2 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.00% to 2.75% APY.
Tracking began .
iQ Credit Union CD & share certificate rates
Membership required. Standard certificates and 7- and 19-month CD specials, with separate Member Perks APYs for members with a savings and checking account, active debit card and eStatements, requested at opening. Specials require at least half the deposit in new money for existing members and mature into 6- or 12-month certificates. Early withdrawal penalties apply.
| Term | Product | APY |
|---|---|---|
| 3 months | Certificate (Member Perks) Relationship | 1.25%Verified October 22, 2026 |
| 3 months | Certificate | 1.00%Verified October 22, 2026 |
| 6 months | Certificate (Member Perks) Relationship | 3.00%Verified October 22, 2026 |
| 6 months | Certificate | 2.75%Verified October 22, 2026 |
| 7 months | 7-Month CD Special (Member Perks) Relationship | 4.50%Verified October 22, 2026 |
| 7 months | 7-Month CD Special Promotional | 4.25%Verified October 22, 2026 |
| 12 months | Certificate (Member Perks) Relationship | 2.75%Verified October 22, 2026 |
| 12 months | Certificate | 2.50%Verified October 22, 2026 |
| 19 months | 19-Month CD Special (Member Perks) Relationship | 4.00%Verified October 22, 2026 |
| 19 months | 19-Month CD Special Promotional | 3.75%Verified October 22, 2026 |
| 24 months | Certificate (Member Perks) Relationship | 2.75%Verified October 22, 2026 |
| 24 months | Certificate | 2.50%Verified October 22, 2026 |
| 36 months | Certificate (Member Perks) Relationship | 2.75%Verified October 22, 2026 |
| 36 months | Certificate | 2.50%Verified October 22, 2026 |
| 60 months | Certificate (Member Perks) Relationship | 2.75%Verified October 22, 2026 |
| 60 months | Certificate | 2.50%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.25% APY (7 months). The standard rate for a similar term is 2.75% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $150 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are iQ Credit Union's best CD rates by term?
iQ Credit Union's best rate is 4.50% APY on 7 months, verified October 22, 2026.
- 3 mo1.25%
- 6 mo3.00%
- 7 mo4.50%
- 12 mo2.75%
- 19 mo4.00%
- 24 mo2.75%
- 36 mo2.75%
- 60 mo2.75%
How much interest could a iQ Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
No unambiguous quoted balance tier applies to this amount and term. Check the institution's terms or choose another deposit.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 6 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 7 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 12 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 19 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 24 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 36 months | Not estimated | Not estimated | Not estimated | Not estimated |
| 60 months | Not estimated | Not estimated | Not estimated | Not estimated |
How iQ Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 213-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 2 of 63 tracked institutions with fresh 213-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| iQ Credit Union (this institution)7-Month CD Special (Member Perks) · Relationship | 7 months | Not stated | Coverage: OR, WA | 4.50% | October 22, 2026 |
| EverBankEverBank Performance® CDs · Standard | 7 months | Not stated | Nationwide; check eligibility | 3.60% | October 22, 2026 |
| WaFd Bank7 Month CD Special · Promotional | 7 months | $1,000 | Coverage: AZ, CA, ID, NM, NV, OR, TX, UT, WA | 3.60% | October 22, 2026 |
| First Bank of the Lake (highest tracked APY for this term)CD · Standard | 7 months | $1,000 | Coverage: MO | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 7 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.43% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking iQ Credit Union on October 22, 2026.
About iQ Credit Union
- Legal name
- Iq Credit Union
- Regulator ID
- NCUA 60438
- Headquarters
- Vancouver, WA
- Available in
- OR, WA
- Total assets
- $2.2 billion
- Also known as
- Website
- www.iqcu.com
Source: rates read from https://www.iqcu.com/certificate-of-deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at iQ Credit Union?
Among the rates we track, 4.50% APY on a 7-month relationship CD, as of October 22, 2026.
How does iQ Credit Union's best CD rate compare with Treasury yields?
4.50% APY is +0.07% versus the 7-month Treasury yield of 4.43% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 3.2 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are iQ Credit Union CDs insured?
iQ Credit Union is a federally insured credit union (NCUA 60438). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at iQ Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check iQ Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from iQ Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with iQ Credit Union before opening an account. This page is not financial advice.