Find the latest Interior Federal Credit Union CD Rates, Offers, and Promotions here.
Best CD Rates: 12-month (4.49% APY), 24-month (4.39% APY), $500 minimum, $250K maximum deposit.
Availability: Nationwide. Easy membership requirement. Just click the Become A Member button and choose the New Mexico Wildlife Federation as your eligibility option and they’ll take care of the rest.
Credit Inquiry: Hard pull from Equifax
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About Interior Federal Credit Union
Interior Federal Credit Union is a member-owned and member-run financial institution. They are committed to providing our Select Employee Groups, their volunteers, members and families with world-class banking, lending, insurance and investment products.
Interior Federal Credit Union offers a vast array of products including CD options for all of your specific financial needs. If you sign up with them you can be sure to find an account just right for you.
| Eligibility: Membership is open to anyone through joining the New Mexico Wildlife Federation. Membership is also open to the following: 1) employees and retirees of National Fish and Wildlife Foundation in Washington D.C. National Headquarters of the Selective Service System who work in the states of Virginia or Maryland, and over 40 Select Employer Groups; 2) members of several partner groups and volunteers of the National Parks Service and other groups. See current membership details |
Easy Membership: Interior Federal Credit Union provides virtually all U.S. residents with five different routes to membership:
- “I work for or am retired from” (65 named organizations, including several Department of the Interior Bureaus).
- “I volunteer for” (45 named organizations).
- “I am a family member of” (Interior FCU member’s name). “Family member” is defined spouse, children, siblings, parents, grandparents, and grandchildren, with step- and adoptive relationships included.
- “I am an associate/member of” (19 named associations).
- Need another way to join? If you join our partner association, the New Mexico Wildlife Federation, you are eligible for Credit Union membership. No cost to join.
Interior FCU’s Eligibility page contains a detailed list of the various organizations and associations that provide membership eligibility.
| Term | APY | Balances |
| 6-Month | 3.97% | $500 |
| 6-Month | 3.97% | $100,000 |
| 12-Month | 4.49% | $500 |
| 12-Month | 4.49% | $100,000 |
| 20-Month (Bump Up) | 4.28% | $500 |
| 20-Month (Bump Up) | 4.28% | $100,000 |
| 24-Month | 4.39% | $500 |
| 24-Month | 4.39% | $100,000 |
| 36-Month | 4.28% | $500 |
| 36-Month | 4.28% | $100,000 |
| 48-Month | 4.07% | $500 |
| 48-Month | 4.07% | $100,000 |
| 56-Month (Bump Up) | 3.97% | $500 |
| 56-Month (Bump Up) | 3.97% | $100,000 |
| 60-Month | 4.07% | $500 |
| 60-Month | 4.07% | $100,000 |
*The above rates are accurate as of 1/19/2023*
Interior Federal 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.
You can invest in a Interior Federal Credit Union CD account to maximize your earnings. Compare their offers now to find the solutions that fit best with your savings goals.
- Minimum deposit: $500 or $100,000
- Maximum deposit: $250K
- Early withdrawal penalty:
- Terms of less than 12 months – 30 days’ dividends
- Terms of 12 months to less than 24 months – 90 days’ dividends
- Terms of 24 months to less than 48 months – 180 days’ dividends
- Terms of 48 months and over – 365 days’ dividends
(NCUA Insured)
Compare to the best CDs such as Sallie Mae Bank 27-Month CD (5.00% APY), Sallie Mae Bank 23-Month CD (4.85% APY), CIT Bank 18-Month CD (4.60% APY), Blue Federal Credit Union 15-Month CD (4.80% APY), Quontic Bank 60-Month CD (4.45% APY), Sallie Mae 14-Month No-Penalty CD (4.40% APY), and CIT Bank 11-Month No-Penalty CD (4.10% APY).
Important Details for Interior FCU
- Funding – ACH, wire (no fee), or shared branch transfer.
- CO-OP Shared Branch Participant – Yes.
- Dividends – Compounded/credited monthly with automatic transfer to Interior FCU liquid account possible.
- Maturing Funds – ACH, wire ($20 fee), or internal transfer.
- Beneficiaries – Up to 6 (2 online, 4 manually added) with equal shares; Social Security numbers required for beneficiaries added online.
- Grace Period – 10 calendar days before automatic renewal.
Interior FCU CD Features
- No hidden fees or maintenance fees
- Dividends compounded daily
- Competitive rates
- Federally insured by the NCUA
Bottom Line
With several different time slots to choose CD lengths from the Interior Federal Credit Union serves those nationwide. You can be sure to find an account that best fits all your banking needs. Take advantage of a low minimum deposit of $500 to start investing.
While the rates are definitely worth a look, be sure to compare them with the nation’s best using our guides: CD Rates | Savings Rates.
This is a great opportunity to invest in a high-interest CD from Interior Federal Credit Union. However, you may want to compare them with our best CD Rates:
- 6-Month CD Rates
- 9-Month CD Rates
- 12-Month CD Rates
- 18-Month CD Rates
- 24-Month CD Rates
- 36-Month CD Rates
- 48-Month CD Rates
- 60-Month CD Rates
Be sure to apply as soon as you can to start your new account experience and start earning higher rates. Check back often for the latest Interior Federal 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.
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