Credit union · NCUA insured
IH Mississippi Valley Credit Union CD Rates
Top CarrotIH Mississippi Valley Credit Union’s best CD rate is 4.10% APY on a 3-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How IH Mississippi Valley Credit Union’s CD rates compare
Compared with banks and credit unions near Davenport, IA-IL, where IH Mississippi Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
IH Mississippi Valley Credit Union
4.10%APY
- Term
- 36 months
- Minimum
- $250
- Earns on $10,000
- $1,281
CDs
Top rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
Ascentra
4.40%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,137
IH Mississippi Valley Credit Union CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo0.55%
- 9–15 months9–15 mo1.60%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.10%
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 Mississippi Valley 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.
CDs
Up to 4.10%APY · 8 terms
$250 deposit required to open this account. $250 min. average daily balance required to earn dividends. There may be a penalty for early withdrawal. Dividends compounded monthly. Insured up to $250,000 by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.55% | $14 |
| 6 months | 0.55% | $27 |
| 12 months | 1.60% | $160 |
| 18 months | 4.00% | $606 |
| 24 months | 4.05% | $826 |
| 36 months | 4.10% | $1,281 |
| 48 months | 1.80% | $740 |
| 60 months | 1.90% | $987 |
Special-purpose accounts
IRAs
Up to 4.10%APY · 8 terms
Includes certificates, traditional, Roth, SEP and educational IRAs. $250 deposit required to open this account. $250 min. average daily balance required to earn dividends. There may be a penalty for early withdrawal. The 3- and 6-month shown for maturity rollovers only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsNot currently available; shown for maturity rollovers only | 0.55% | $14 |
| 6 monthsNot currently available; shown for maturity rollovers only | 0.55% | $27 |
| 12 months | 1.60% | $160 |
| 18 months | 4.00% | $606 |
| 24 months | 4.05% | $826 |
| 36 months | 4.10% | $1,281 |
| 48 months | 1.80% | $740 |
| 60 months | 1.90% | $987 |
Who can join IH Mississippi Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person living or working in the 49-county service area across Illinois and Iowa.
Family and household
- Membership is open to families of persons living or working in the 49-county service area.
Other ways
- Individuals who live or work in Iowa or Illinois outside the 49-county service area can become eligible by making a $10 donation to the Dream Education Foundation (DEF).
Cost to join
- A $10 donation to the Dream Education Foundation (DEF) is required for the out-of-service-area Iowa/Illinois membership route.
Membership information collected October 5, 2026.