Credit union · Privately insured
IH Credit Union CD Rates
IH Credit Union’s best CD rate is 3.65% APY on a 30-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How IH Credit Union’s CD rates compare
Compared with banks and credit unions near Springfield, OH, where IH Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
IH Credit Union
3.65%APY
- Term
- 30 months
- Minimum
- —
- Earns on $10,000
- $938
Share Certificates
Top rate
Richwood Bank
4.60%APY
- Term
- 59 months
- Minimum
- $500
- Earns on $10,000
- $2,475
2nd-highest rate
NCF Savings Bank
4.35%APY
- Term
- 20 months
- Minimum
- $10,000
- Earns on $10,000
- $735
IH Credit Union CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo3.49%
- 9–15 months9–15 mo3.59%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo3.09%
- QualifiedQualified3.65%
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 IH 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.
Share Certificates
Up to 3.65%APY · 10 terms
Early withdrawal penalty may apply: Less than 12 months: 90 days of dividends; 12–18 months: 180 days of dividends; Over 18 months: 365 days of dividends. Penalty exceptions may apply in cases of death or legal incompetence of an account owner, or certain IRA Required Minimum Distribution withdrawals completed within required timeframes.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.00% | $100 |
| 7 monthsSpecial | 3.49% | $202 |
| 11 monthsSpecial | 3.59% | $329 |
| 12 months | 2.73% | $273 |
| 18 months | 2.73% | $412 |
| 24 months | 2.84% | $576 |
| 30 months | 3.65% | $938 |
| 36 months | 3.00% | $927 |
| 48 months | 3.04% | $1,273 |
| 60 months | 3.09% | $1,643 |
Sources (1)
- ihcreditunion.com/deposit-rates · captured Sep 17, 2026
Special-purpose accounts
IRA Certificates
Up to 3.65%APY · 7 terms
Early withdrawal penalty may apply: Less than 12 months: 90 days of dividends; 12–18 months: 180 days of dividends; Over 18 months: 365 days of dividends. Penalty exceptions may apply in cases of death or legal incompetence of an account owner, or certain IRA Required Minimum Distribution withdrawals completed within required timeframes.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.73% | $273 |
| 18 months | 2.73% | $412 |
| 24 months | 2.84% | $576 |
| 30 months | 3.65% | $938 |
| 36 months | 3.00% | $927 |
| 48 months | 3.04% | $1,273 |
| 60 months | 3.09% | $1,643 |
Sources (1)
- ihcreditunion.com/deposit-rates · captured Sep 17, 2026
Who can join IH Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Clark, Champaign, Greene, Logan, Madison, Miami, Montgomery, or Union County, Ohio qualifies for membership.
Employers and groups
- Residents of Ohio, Michigan, or West Virginia who do not qualify through the eight Ohio counties can qualify for membership by joining the American Consumer Council (ACC).
Membership information collected October 5, 2026.