Check out the latest Ideal Credit Union CD rates, offers, and promotions here.
Right now, Ideal Credit Union is offering an attractive 1.06% APY 60-Month CD, 1.00% APY 48-Month CD.
About Ideal Credit Union
As a member-owned financial institution, Ideal CU’s goal is to make their products more affordable and rates more competitive. They offer personal services, and their communities are stronger through donations and volunteer commitments, while also rewarding members with patronage dividends.
| Eligibility: Today, anyone can become a member Membership by making a one-time $5 donation to the John D. Miller Foundation. See more about membership here. |
This is ideal for accounts like Certificate of Deposits, which require very little maintenance. The rates are worth a look, but always compare them with the nation’s best using our guides: CD Rates | Savings Rates.
*While Ideal Credit Union does have competitive rates with their launch, their product line is limited. I recommend to take a look at Discover Bank Promotions here
Ideal Credit Union CD Rates
CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer of a term, the higher APY rate you make.
With as little as $500, you can invest in a CD account to maximize your earnings. If you’re interested in making a higher rate than a traditional savings account then make sure to check out below CD rates.
- Minimum deposit: $500
- Maximum deposit: None
- Early withdrawal penalty: Only an early closure of a CD is allowed, with an Early Withdrawal Penalty of 180 days interest.
(NCUA Insured)
| Term | $500.00 – $24,999.99 | $25,000.00 – $69,999.99 | $70,000.00 + |
| 91 Days | 0.10% APY | 0.15% APY | 0.20% APY |
| 6 Month | 0.20% APY | 0.25% APY | 0.30% APY |
| 12 Month | 0.30% APY | 0.35% APY | 0.40% APY |
| 18 Month | 0.40% APY | 0.45% APY | 0.50% APY |
| 24 Month | 0.40% APY | 0.45% APY | 0.50% APY |
| 30 Month | 0.55% APY | 0.60% APY | 0.65% APY |
| 36 Month | 0.85% APY | 0.90% APY | 0.95% APY |
| 48 Month | 0.90% APY | 0.95% APY | 1.00% APY |
| 60 Month | 0.95% APY | 1.00% APY | 1.06% APY |
Ideal Credit Union CD Features
- Low minimum balance requirement
- Competitive rates on all CD terms
- Free online and mobile banking
- Federally insured by NCUA
Bottom Line
Compared to CD rates with a similar term length, this rate at Western Federal Credit Union is one of the best. Additionally, take advantage of the low minimum balance of $1,000.
This is a great opportunity to invest in a high-interest CD from Limelight Bank. However, you may want to compare them with our best CD Rates:
- Best 6-Month CD Rates
- Best 9-Month CD Rates
- Best 12-Month CD Rates
- Best 18-Month CD Rates
- Best 24-Month CD Rates
- Best 36-Month CD Rates
- Best 48-Month CD Rates
- Best 60-Month CD Rates
You might even find yourself earning more than a regular savings account. Be sure to apply as soon as you can to start your new account experience. Check back often for the latest Ideal Credit Union CD rates!
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
