Credit union · NCUA insured
Industrial Federal Credit Union CD Rates
Industrial Federal Credit Union’s best CD rate is 4.06% APY on a 3-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Industrial Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lafayette, IN, where Industrial Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Industrial Federal Credit Union
3.80%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $380
Share Certificates
Top rate
Purdue Federal Credit Union
4.45%APY
- Term
- 24 months
- Minimum
- $50
- Earns on $10,000
- $910
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Industrial Federal Credit Union CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.70%
- QualifiedQualified3.80%
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 Industrial 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.
Share Certificates
Up to 3.80%APY · 9 terms
Fixed dividend rate for the term of the account. Dividends compounded and paid quarterly. Substantial penalty for early withdrawal. Automatically renews for a term equal to the original at prevailing rate. No setup or maintenance fees.
| Term | APY · $500 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.44% | — | 3.44% | $85 |
| 3 monthsSpecial rate for balances $250K + | — | 4.06% | —4.06% from $250k | — |
| 6 months | 3.65% | — | 3.65% | $181 |
| 12 months | 3.80% | — | 3.80% | $380 |
| 18 months | 3.55% | — | 3.55% | $537 |
| 24 months | 3.50% | — | 3.50% | $712 |
| 30 months | 3.55% | — | 3.55% | $911 |
| 36 months | 3.60% | — | 3.60% | $1,119 |
| 48 months | 3.65% | — | 3.65% | $1,542 |
| 60 months | 3.70% | — | 3.70% | $1,992 |
Special-purpose accounts
Youth Share Certificates
Up to 3.91%APY · 3 terms
Available to members ages 17 and younger. Maximum original principal balance of $5,000. When member reaches 18th birthday and upon certificate expiration, account will be closed and entire balance transferred to a Share Certificate Account. Fixed dividend rate, compounded and paid quarterly. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAvailable to members ages 17 & younger; maximum original principal balance of $5,000 | 3.55% | — |
| 6 monthsAvailable to members ages 17 & younger; maximum original principal balance of $5,000 | 3.75% | — |
| 12 monthsAvailable to members ages 17 & younger; maximum original principal balance of $5,000 | 3.91% | — |
Who can join Industrial Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone who does not qualify through Select Employer groups or family can join by making a $5 donation to an eligible partner organization.
Employers and groups
- Employees, volunteers, trustees, board members, retirees, and immediate family members of employees of Select Employers are eligible for membership.
Family and household
- Individuals with a family member who is a member of Industrial FCU are eligible for membership.
Cost to join
- A $5 deposit into a savings account is required for membership.
- A one-time $5 membership fee is required to become a member.
Membership information collected October 5, 2026.