Credit union · NCUA insured
Indianhead Credit Union CD Rates
Indianhead Credit Union’s best CD rate is 3.51% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Indianhead Credit Union’s CD rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Indianhead Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Indianhead Credit Union
3.51%APY
- Term
- 12 months
- Minimum
- $100
- Earns on $10,000
- $351
My Moolah Share Certificates
Top rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
2nd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Indianhead Credit Union CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo3.51%
- 16–30 months16–30 mo2.29%
- 31–60 months31–60 mo2.45%
- QualifiedQualified3.51%
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 Indianhead 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.
My Moolah Share Certificates
Up to 3.51%APY · 2 terms
Dividends compounded/paid at maturity or calendar quarter. Early withdrawal penalties apply. Fees may reduce earnings. Rates effective October 16, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTerm: 6 Month. Compounded at maturity | 2.50% | $124 |
| 12 monthsTerm: 12 Month. Compounded calendar quarter | 3.51% | $351 |
Sources (1)
- indianheadcu.org/spend/deposit-rates · captured Oct 16, 2026
Share Certificates
Up to 2.49%APY · 2 terms
Dividends compounded at maturity (180 Day) or calendar quarter (12 Month). Early withdrawal penalties apply. Fees may reduce earnings. Rates effective October 16, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm: 180 Day. Compounded at maturity | 1.49% | $0 |
| 12 monthsTerm: 12 Month. Compounded calendar quarter | 2.49% | $249 |
Sources (1)
- indianheadcu.org/spend/deposit-rates · captured Oct 16, 2026
Traditional Share Certificates
Up to 2.49%APY · 7 terms
Fixed APY for a fixed term. Dividends paid at maturity or calendar quarter. Early withdrawal penalties may apply. Fees may reduce earnings. Rates effective September 24, 2026.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsTerm: 180 Day. Dividends compounded/paid at maturity | 1.49% | — | — | 1.49% | $74 |
| 12 monthsTerm: 12 Month. Dividends compounded/paid calendar quarter | 2.49% | — | — | 2.49% | $249 |
| 18 monthsTerm: 18 Month. Dividends compounded/paid calendar quarter | 2.19% | — | — | 2.19% | $330 |
| 24 monthsTerm: 24 Month. Dividends compounded/paid calendar quarter | 2.29% | — | — | 2.29% | $463 |
| 36 monthsTerm: 36 Month. Dividends compounded/paid calendar quarter | 2.35% | — | — | 2.35% | $722 |
| 48 monthsTerm: 48 Month. Dividends compounded/paid calendar quarter | — | 2.39% | — | 2.39% | $991 |
| 60 monthsTerm: 60 Month. Dividends compounded/paid calendar quarter | — | — | 2.45% | 2.45% | $1,287 |
Sources (1)
- indianheadcu.org/accounts/iras · captured Oct 16, 2026
Special-purpose accounts
Youth Share Certificates
Up to 3.51%APY · 2 terms
Designed for young savers. Backed by insured deposits. Dividends paid at maturity or calendar quarter. Early withdrawal penalties may apply. Fees may reduce earnings. Rates effective September 24, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTerm: 180 day. Dividends compounded/paid at maturity | 2.50% | $124 |
| 12 monthsTerm: 12 Month. Dividends compounded/paid calendar quarter | 3.51% | $351 |
Sources (1)
- indianheadcu.org/accounts/iras · captured Oct 16, 2026
IRA Share Certificate
Up to 2.45%APY · 5 terms
Available as Traditional or Roth IRA Share Certificate. Fixed rate dividends paid quarterly. Contribution made at account opening only. Agreement between member and Credit Union required. Early withdrawals subject to penalties. Rates effective October 16, 2026.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 18 monthsTerm: 18 Month. Dividends compounded/paid calendar quarter | 2.19% | — | — | 2.19% | $330 |
| 24 monthsTerm: 24 Month. Dividends compounded/paid calendar quarter | 2.29% | — | — | 2.29% | $463 |
| 36 monthsTerm: 36 Month. Dividends compounded/paid calendar quarter | 2.35% | — | — | 2.35% | $722 |
| 48 monthsTerm: 48 Month. Dividends compounded/paid calendar quarter | — | 2.39% | — | 2.39% | $991 |
| 60 monthsTerm: 60 Month. Dividends compounded/paid calendar quarter | — | — | 2.45% | 2.45% | $1,287 |
Sources (2)
All captured Oct 16, 2026
Who can join Indianhead 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 individuals who live or work in Ashland, Barron, Bayfield, Burnett, Douglas, Polk, Rusk, Sawyer, or Washburn counties in Wisconsin, or Carlton, Pine, or St. Louis counties in Minnesota.
Family and household
- Membership is open to spouses, parents, children, grandparents, grandchildren, or household members of a current Indianhead Credit Union member.
Cost to join
- A $5.00 membership deposit is required to open an account upon membership confirmation.
Membership information collected October 5, 2026.