Credit union · NCUA insured
Indiana Members Credit Union CD Rates
Top CarrotIndiana Members Credit Union’s best CD rate is 4.35% APY on a 13-month share certificate (CD). Terms run from 6 months to 7 years. Rates checked October 15, 2026.
How Indiana Members Credit Union’s CD rates compare
Compared with banks and credit unions near Indianapolis, IN, where Indiana Members Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Indiana Members Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
Certificates
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
Indiana Members Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 mo3.70%
- QualifiedQualified4.35%
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 Indiana Members 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.
Certificates
Up to 4.35%APY · 9 terms
Membership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 4.00% | $198 |
| 12 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 4.00% | $400 |
| 13 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Will renew to the 12-month certificate account if auto-renew is chosen | 4.35% | $472 |
| 24 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 3.45% | $702 |
| 36 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 3.70% | $1,152 |
| 48 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 3.25% | $1,365 |
| 60 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 3.25% | $1,734 |
| 70 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Will renew to the 60-month certificate account if auto-renew is chosen | 4.30% | $2,784 |
| 84 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 3.00% | $2,299 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
HSA Certificates
Up to 4.35%APY · 9 terms
Membership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 4.00% | $198 |
| 12 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 4.00% | $400 |
| 13 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Will renew to the 12-month certificate account if auto-renew is chosen | 4.35% | $472 |
| 24 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 3.45% | $702 |
| 36 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 3.70% | $1,152 |
| 48 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 3.25% | $1,365 |
| 60 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 3.25% | $1,734 |
| 70 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Will renew to the 60-month certificate account if auto-renew is chosen | 4.30% | $2,784 |
| 84 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 3.00% | $2,299 |
Sources (1)
- imcu.com/personal/accounts/deposit-rates · captured Oct 5, 2026
IRA Certificates
Up to 4.35%APY · 9 terms
Membership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 4.00% | $198 |
| 12 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 4.00% | $400 |
| 13 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Will renew to the 12-month certificate account if auto-renew is chosen | 4.35% | $472 |
| 24 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 3.45% | $702 |
| 36 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 3.70% | $1,152 |
| 48 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 3.25% | $1,365 |
| 60 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 3.25% | $1,734 |
| 70 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal. Will renew to the 60-month certificate account if auto-renew is chosen | 4.30% | $2,784 |
| 84 monthsMembership savings account required. Maximum $1,000,000 per household. Penalty for early withdrawal | 3.00% | $2,299 |
Sources (2)
All captured Oct 5, 2026
Who can join Indiana Members 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 or works in eligible counties across Central Indiana, Southern Indiana, or parts of Northern Kentucky is eligible to join.
Family and household
- Immediate family members of eligible individuals may qualify for membership.
Cost to join
- Membership requires opening a share account (deposit amount unstated).
Membership information collected October 5, 2026.