Credit union · NCUA insured
Independent Federal Credit Union CD Rates
Independent Federal Credit Union’s best CD rate is 3.55% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Independent Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Indianapolis, IN, where Independent Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Independent Federal Credit Union
3.55%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $355
CD
Top rate
IU Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $2,000
- Earns on $10,000
- $223
2nd-highest rate
Elements Financial
4.50%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $298
Independent Federal Credit Union CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo2.78%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.03%
- 31–60 months31–60 mo2.52%
- QualifiedQualified3.55%
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 Independent Federal 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.
CD
Up to 3.55%APY · 6 terms
Penalty will, or may, be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty will, or may, be imposed for early withdrawal | 2.78% | $138 |
| 12 monthsPenalty will, or may, be imposed for early withdrawal | 3.55% | $355 |
| 24 monthsPenalty will, or may, be imposed for early withdrawal | 3.03% | $615 |
| 36 monthsPenalty will, or may, be imposed for early withdrawal | 2.52% | $775 |
| 48 monthsPenalty will, or may, be imposed for early withdrawal | 2.52% | $1,047 |
| 60 monthsPenalty will, or may, be imposed for early withdrawal | 2.52% | $1,325 |
Sources (1)
- independentfcu.org/rates · captured Sep 24, 2026
Who can join Independent Federal 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This may be incomplete or out of date, so check with the credit union before you apply.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, attends school, or participates in programs to alleviate poverty or distress in Madison, Delaware, Henry, Hancock, or Hamilton Counties is eligible for membership.
Cost to join
- Membership requires opening an account with a $5 share deposit.
Membership information collected October 5, 2026.