Credit union · NCUA insured
IAA Credit Union CD Rates
Top CarrotIAA Credit Union’s best CD rate is 4.20% APY on a 5-year share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How IAA Credit Union’s CD rates compare
Compared with banks and credit unions near Bloomington, IL, where IAA Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
IAA Credit Union
4.20%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $2,284
Share Certificates
Top rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
2nd-highest rate
First State Bank
4.25%APY
- Term
- 28 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,020
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.20%APY · 8 terms
Federally insured up to at least $250,000. Penalties apply for early withdrawal. Jumbo rate quoted upon request (minimum $100,000). Youth savings certificates minimum $500 available to youth club members 18 years and under and Elite Club Checking members.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.90% | $193 |
| 12 months | 4.00% | $400 |
| 18 months | 4.03% | $611 |
| 24 months | 4.05% | $826 |
| 30 months | 4.08% | $1,051 |
| 36 months | 4.11% | $1,284 |
| 48 months | 4.11% | $1,748 |
| 60 months | 4.20% | $2,284 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Share Certificates
Up to 4.20%APY · 8 terms
Applies to Roth & Traditional IRA Share Certificates. Penalties apply for early withdrawal. Education IRA certificates minimum $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRoth & Traditional IRA Share Certificates minimum $2,000 | 3.90% | $193 |
| 12 monthsRoth & Traditional IRA Share Certificates minimum $2,000 | 4.00% | $400 |
| 18 monthsRoth & Traditional IRA Share Certificates minimum $2,000 | 4.03% | $611 |
| 24 monthsRoth & Traditional IRA Share Certificates minimum $2,000 | 4.05% | $826 |
| 30 monthsRoth & Traditional IRA Share Certificates minimum $2,000 | 4.08% | $1,051 |
| 36 monthsRoth & Traditional IRA Share Certificates minimum $2,000 | 4.11% | $1,284 |
| 48 monthsRoth & Traditional IRA Share Certificates minimum $2,000 | 4.11% | $1,748 |
| 60 monthsRoth & Traditional IRA Share Certificates minimum $2,000 | 4.20% | $2,284 |
Sources (3)
- iaacu.org/about-us/deposit-rates
- iaacu.org/accounts/savings/retirement-accounts
- iaacu.org/accounts/savings/share-certificates
All captured Oct 16, 2026
Who can join IAA Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Illinois Farm of Companies including Illinois Farm Bureau, COUNTRY Financial, GROWMARK, and Prairie Farms are eligible for membership.
- Illinois Farm Bureau County Members are eligible for membership.
- COUNTRY Financial Policyholders are eligible for membership.
- GROWMARK Patrons are eligible for membership.
- Retirees from any of the qualifying groups are eligible for membership.
Family and household
- Relatives of current members are eligible for membership.
Membership information collected October 5, 2026.