Credit union · NCUA insured
ICCU CD Rates
Top CarrotICCU’s best CD rate is 4.30% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How ICCU’s CD rates compare
Compared with banks and credit unions near Boise City, ID, where ICCU has the most branches. $10,000, best rate first.
This credit union’s best
ICCU
4.30%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,343
Certificate of Deposit
Top rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
2nd-highest rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,522
ICCU CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.30%
- QualifiedQualified4.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where ICCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.30%APY · 8 terms
$500 minimum opening deposit. 1-time additional deposit in first 60 days. Penalty for early withdrawal. No institutional deposits. Compounding and crediting: terms less than 12 months compounded/credited at maturity; terms 12 months or greater compounded/credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.30% | $7 |
| 6 months | 3.95% | $196 |
| 12 months | 4.15% | $415 |
| 18 months | 4.20% | $637 |
| 24 months | 4.25% | $868 |
| 36 months | 0.95% | $288 |
| 48 months | 1.00% | $406 |
| 60 months | 4.30% | $2,343 |
Sources (3)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate of Deposit Account
Up to 4.30%APY · 8 terms
$500 initial deposit. 10-day renewal grace period and a 1-time additional deposit in first 60 days. Available for Traditional and Roth IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.30% | $7 |
| 6 months | 3.95% | $196 |
| 12 months | 4.15% | $415 |
| 18 months | 4.20% | $637 |
| 24 months | 4.25% | $868 |
| 36 months | 0.95% | $288 |
| 48 months | 1.00% | $406 |
| 60 months | 4.30% | $2,343 |
Sources (2)
All captured Oct 15, 2026
Who can join ICCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship or attend school in Cochise, Pima, Pinal, Greenlee, Graham, Santa Cruz, and Yuma Counties, Arizona are eligible for membership.
- Persons who live, work, or attend school in any Idaho county are eligible for membership.
- Persons who live, work, attend school, or are paid in Jackpot, Nevada are eligible for membership.
- Persons who live or work in, or organizations located within Baker, Malheur, Umatilla, Union, and Wallowa Counties, Oregon are eligible for membership.
- Persons who live or work in, or organizations located within all school districts located in the State of Washington, are eligible for membership.
Employers and groups
- Organizations or other legal entities located in Cochise, Pima, Pinal, Greenlee, Graham, Santa Cruz, and Yuma Counties, Arizona are eligible for membership.
13 more ways to join
Employers and groups
- Members of the association “Friends of Sabino Canyon” located in the state of Arizona are eligible for membership.
- Employees of the Credit Union and its wholly or jointly owned credit union service organizations are eligible for membership.
- Members of the GoWest Credit Union Association, its employees, and its chapters are eligible for membership.
- Employees and members of credit unions located in the State of Idaho are eligible for membership.
- All organizations operating with or without employees in any county in the State of Idaho are eligible for membership.
- Persons employed in any division, subsidiary or branch of the Micron Corporation and retirees of the same are eligible for membership.
Military, government and schools
- Employees and elected officials of the cities and towns in Cochise, Pima, Pinal, Greenlee, Graham, Santa Cruz, and Yuma Counties, Arizona are eligible for membership.
- City of Tucson public transit and Airport Authority employees are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, step grandparent, stepchildren, stepsibling, adoptive relationships) and persons in a relationship in the same residence maintaining a single economic unit with eligible members of the Credit Union are eligible.
- Immediate family members (defined as spouse, child, sibling, parent, grandparent, grandchild, stepparent, step grandparent, stepchildren, stepsibling, adoptive relationships) and persons in a relationship in the same residence maintaining a single economic unit with eligible members of the Credit Union are eligible.
Other ways
- Retirees living in the state of Arizona are eligible for membership.
- Persons living in the state of Arizona who are sponsored by an existing member are eligible for membership.
- Trusts composed entirely of persons (settlor, trustee, and beneficiary) or irrevocable trusts of such persons who are eligible members of the Credit Union are eligible.
Cost to join
- Opening an account requires payment of a $5 one-time membership fee.
- Opening an account requires a $25 deposit into a Share Savings Account, which becomes the member's share of the Credit Union.
Membership information collected October 4, 2026.