Credit union · NCUA insured
Ideal Credit Union CD Rates
Top CarrotIdeal Credit Union’s best CD rate is 4.30% APY on a 30-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 17, 2026.
How Ideal Credit Union’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Ideal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ideal Credit Union
4.30%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,110
Regular Certificate
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
Ideal Credit Union CD score
87
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.25%
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 Ideal Credit Union 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.
Regular Certificate
Up to 4.30%APY · 9 terms
Interest is compounded and credited on a monthly basis. Penalty for early withdrawal.
| Term | APY · $500 – $25,000 | APY · $25,000 – $70,000 | APY · $70,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.00% | 3.00% | 3.00% | 3.00%3.00% $25k–$70k3.00% from $70k | $74 |
| 6 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $25k–$70k3.50% from $70k | $173 |
| 12 months | 3.80% | 3.80% | 3.80% | 3.80%3.80% $25k–$70k3.80% from $70k | $380 |
| 18 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $25k–$70k3.50% from $70k | $530 |
| 24 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $25k–$70k3.50% from $70k | $712 |
| 30 months | 4.30% | 4.30% | 4.30% | 4.30%4.30% $25k–$70k4.30% from $70k | $1,110 |
| 36 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $25k–$70k3.50% from $70k | $1,087 |
| 48 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $25k–$70k3.50% from $70k | $1,475 |
| 60 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $25k–$70k3.50% from $70k | $1,877 |
Sources (1)
- idealcu.com/personal/bank/certificates · captured Oct 16, 2026
13-Month New Money Certificate Special
4.25%APY · 1 term
New money only (funds not currently deposited in any Ideal Credit Union account). If combining with existing funds deposited at Ideal, a minimum of $5,000 in additional new money is required. Interest is compounded and credited monthly. Penalty applies for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsNew money only. If combining with existing funds deposited at Ideal, a minimum of $5,000 in additional new money is required | 4.25% | $461 |
Sources (1)
- idealcu.com/personal/bank/certificates · captured Oct 16, 2026
Savers Certificate
Up to 2.64%APY · 8 terms
With a Savers CD, you can make additional deposits during the term of the Certificate to boost your savings even more. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.06% | $53 |
| 12 months | 1.46% | $146 |
| 18 months | 2.64% | $399 |
| 24 months | 2.64% | $535 |
| 30 months | 2.64% | $673 |
| 36 months | 2.64% | $813 |
| 48 months | 2.64% | $1,099 |
| 60 months | 2.64% | $1,392 |
Sources (1)
- idealcu.com/personal/bank/certificates · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.30%APY · 9 terms
Interest is compounded and credited on a monthly basis. Penalty for early withdrawal.
| Term | APY · $500 – $25,000 | APY · $25,000 – $70,000 | APY · $70,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 3.00% | 3.00% | 3.00% | 3.00%3.00% $25k–$70k3.00% from $70k | $74 |
| 6 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $25k–$70k3.50% from $70k | $173 |
| 12 months | 3.80% | 3.80% | 3.80% | 3.80%3.80% $25k–$70k3.80% from $70k | $380 |
| 18 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $25k–$70k3.50% from $70k | $530 |
| 24 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $25k–$70k3.50% from $70k | $712 |
| 30 months | 4.30% | 4.30% | 4.30% | 4.30%4.30% $25k–$70k4.30% from $70k | $1,110 |
| 36 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $25k–$70k3.50% from $70k | $1,087 |
| 48 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $25k–$70k3.50% from $70k | $1,475 |
| 60 months | 3.50% | 3.50% | 3.50% | 3.50%3.50% $25k–$70k3.50% from $70k | $1,877 |
Sources (1)
- idealcu.com/personal/bank/certificates · captured Oct 16, 2026
13-Month New Money IRA Certificate Special
4.25%APY · 1 term
Available as a traditional or IRA Certificate. New money only (funds not currently deposited in any Ideal Credit Union account). If combining with existing funds deposited at Ideal, a minimum of $5,000 in additional new money is required. Interest is compounded and credited monthly. Penalty applies for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsNew money only. If combining with existing funds deposited at Ideal, a minimum of $5,000 in additional new money is required | 4.25% | $461 |
Sources (1)
- idealcu.com/personal/bank/certificates · captured Oct 16, 2026
Who can join Ideal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.