APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution. Lines containing rates, copied from the public page below; open that page for full terms. Never enter account details on apyledger.com. Source: https://www.iqcu.com/certificate-of-deposit Read: 2026-10-22T16:22:55.000Z Certificate of Deposit Accounts and Rates | iQ Credit Union Certificates *APY = annual percentage yield Rates are accurate as of September 9, 2026. Offer is subject to change and may be discontinued at any time, but no earlier than September 9, 2026. No minimum deposit. New members must meet membership qualifications. For existing members to qualify for promotion, at least 50% of the funds used to open a new certificate must come from sources other than iQ Credit Union accounts. New memberships must be funded entirely from sources other than iQ Credit Union Accounts. ** Business CDs do not qualify for the Member Perks .25% bump. Rate Information. The Interest Rate and Annual Percentage Yield (APY) on your Certificate accounts are set forth in the Personal Rate Schedule . For all Certificate accounts, the Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. #### Enjoy a 0.25% APY rate bump with Member Perks Term | Interest Rate | Annual Percentage Yield (APY) | Member Perks Rate | Member Perks APY 3-Month | Interest Rate 0.996% | Annual Percentage Yield (APY) 1.00% | Member Perks Rate 1.246% | Member Perks APY 1.25% 6-Month | Interest Rate 2.722% | Annual Percentage Yield (APY) 2.75% | Member Perks Rate 2.972% | Member Perks APY 3.00% 12-Month | Interest Rate 2.477% | Annual Percentage Yield (APY) 2.50% | Member Perks Rate 2.727% | Member Perks APY 2.75% 24-Month | Interest Rate 2.477% | Annual Percentage Yield (APY) 2.50% | Member Perks Rate 2.727% | Member Perks APY 2.75% 36-Month | Interest Rate 2.477% | Annual Percentage Yield (APY) 2.50% | Member Perks Rate 2.727% | Member Perks APY 2.75% 60-Month | Interest Rate 2.477% | Annual Percentage Yield (APY) 2.50% | Member Perks Rate 2.727% | Member Perks APY 2.75% 7-Month CD Special | Interest Rate 4.184% | Annual Percentage Yield (APY) 4.25% | Member Perks Rate 4.434% | Member Perks APY 4.50% 19-Month CD Special | Interest Rate 3.698% | Annual Percentage Yield (APY) 3.75% | Member Perks Rate 3.948% | Member Perks APY 4.00% *APY = annual percentage yield Rates are accurate as of September 9, 2026. Offer is subject to change and may be discontinued at any time, but no earlier than September 9, 2026. No minimum deposit. New members must meet membership qualifications. For existing members to qualify for promotion, at least 50% of the funds used to open a new certificate must come from sources other than iQ Credit Union accounts. New memberships must be funded entirely from sources other than iQ Credit Union Accounts. ** Business CDs do not qualify for the Member Perks .25% bump. Rate Information. The Interest Rate and Annual Percentage Yield (APY) on your Certificate accounts are set forth in the Personal Rate Schedule . For all Certificate accounts, the Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. Term | Interest Rate | Annual Percentage Yield (APY) | Member Perks Rate | Member Perks APY 3 Month | Interest Rate 0.996% | Annual Percentage Yield (APY) 1.00% | Member Perks Rate 1.246% | Member Perks APY 1.25% 6 Month | Interest Rate 2.722% | Annual Percentage Yield (APY) 2.75% | Member Perks Rate 2.972% | Member Perks APY 3.00% 12 Month | Interest Rate 2.477% | Annual Percentage Yield (APY) 2.50% | Member Perks Rate 2.727% | Member Perks APY 2.75% 24 Month | Interest Rate 2.477% | Annual Percentage Yield (APY) 2.50% | Member Perks Rate 2.727% | Member Perks APY 2.75% 36 Month | Interest Rate 2.477% | Annual Percentage Yield (APY) 2.50% | Member Perks Rate 2.727% | Member Perks APY 2.75% 60 Month | Interest Rate 2.477% | Annual Percentage Yield (APY) 2.50% | Member Perks Rate 2.727% | Member Perks APY 2.75% 7-Month CD Special | Interest Rate 4.184% | Annual Percentage Yield (APY) 4.25% | Member Perks Rate 4.434% | Member Perks APY 4.50% 19-Month CD Special | Interest Rate 3.698% | Annual Percentage Yield (APY) 3.75% | Member Perks Rate 3.948% | Member Perks APY 4.00% Interest Rate % Interest Rate % First CD | Second CD Deposit Amount | — | — Interest Rate | — | — Compounding | — | — APY | — | — Term | — | — Interest Earned | — | — Ending Balance | — | — Interest rate % Annual Percentage Yield (APY) 0.000 % Period | Interest Earned | Balance A certificate of deposit — sometimes called a share certificate or term certificate — is savings with a fixed rate and a fixed end date. You agree to leave your money in place for the term, and in exchange you earn a set rate that won't move while the market does. Two things drive what you walk away with: the rate itself, and how often interest compounds. Compounding just means the interest you've already earned starts earning interest too, so the more often it happens, the more you end up with. That's why the APY above is a little higher than the interest rate you entered — it's the real annual return once compounding is baked in, and it's the number to use when comparing certificates. Keep in mind most certificates limit access to your funds until the term is up. This calculator is for informational purposes only and is not financial advice. Results are estimates based on the figures you enter. Rates are subject to change — see current disclosures for details.