Credit union · NCUA insured
Ingersoll Rand Federal Credit Union CD Rates
Top CarrotIngersoll Rand Federal Credit Union’s best CD rate is 4.22% APY on an 18-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Ingersoll Rand Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Sayre, PA, where Ingersoll Rand Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ingersoll Rand Federal Credit Union
4.22%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $640
Share Certificate
Top rate
First Citizens Community Bank
4.22%APY
- Term
- 17 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $603
3rd-highest rate
Chemung Canal Trust Company
4.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $400
Ingersoll Rand Federal Credit Union CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo2.37%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo4.22%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.22%
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 Ingersoll Rand 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 Certificate
Up to 4.22%APY · 10 terms
Dividends reported annually via 1099-INT. Early withdrawal penalties apply. Rate is based on date/time funds received and processed. NCUA insured.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 2.37% | $118 |
| 9 months | 4.06% | $303 |
| 12 months | 2.73% | $273 |
| 18 months | 4.22% | $640 |
| 24 months | 3.50% | $712 |
| 30 months | 3.40% | $872 |
| 36 months | 3.30% | $1,023 |
| 48 months | 3.20% | $1,343 |
| 60 months | 3.10% | $1,649 |
Sources (1)
- ingersollrandfcu.com/certificate-of-deposit · captured Oct 16, 2026
Special-purpose accounts
IRA Share CD
Up to 4.22%APY · 3 terms
Early withdrawal penalties apply. IRA accounts are insured separately from other accounts up to $250,000 by NCUA. Tax advantages for retirement savings and fixed interest rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months | 4.22% | $640 |
| 36 months | 3.40% | $1,055 |
| 60 months | 3.20% | $1,706 |
Sources (1)
- ingersollrandfcu.com/iras · captured Oct 16, 2026
Who can join Ingersoll Rand Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Ingersoll-Rand Company retirees and former employees are eligible for membership.
- Employees, volunteers, members, and students of partner companies and organizations on the Community Partner List are eligible for membership.
Military, government and schools
- Students, employees, and board members of specified local school districts are eligible for membership.
- Employees, officials, and volunteers of specified local borough and township entities/authorities are eligible for membership.
Family and household
- Immediate family and household members of current credit union members are eligible for membership.
- Direct family members of employees, volunteers, members, or retirees of partner organizations are eligible for membership.
Membership information collected October 5, 2026.