Credit union · NCUA insured
INOVA Federal Credit Union CD Rates
INOVA Federal Credit Union’s best CD rate is 4.75% APY on a 20-month share certificate (CD). Terms run from 1 month to 6 years. Rates checked October 15, 2026.
How INOVA Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Elkhart, IN, where INOVA Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
INOVA Federal Credit Union
4.75%APY
- Term
- 20 months
- Minimum
- $200
- Earns on $10,000
- $804
Certificates
2nd-highest rate
Everwise Credit Union
4.47%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $562
3rd-highest rate
Chiphone Federal Credit Union
4.35%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,373
INOVA Federal Credit Union CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.75%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.75%
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 INOVA 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.
Certificates
Up to 4.75%APY · 15 terms
$200 minimum deposit to open. Terms range from 30 days to 6 years. Early withdrawal penalty applies. Dividends compounded and paid monthly. Offer subject to membership eligibility.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 1.00% | $8 |
| 5 months5 Month Special | 4.00% | $165 |
| 6 months | 3.60% | $178 |
| 8 months | 4.25% | $281 |
| 11 months11 Month Special | 4.15% | $380 |
| 12 months | 3.75% | $375 |
| 14 months14 Month Special | 4.50% | $527 |
| 18 months | 3.75% | $568 |
| 20 months20 Month Special | 4.75% | $804 |
| 24 months | 3.80% | $774 |
| 30 months | 3.85% | $990 |
| 30 months30 Month Special | 4.30% | $1,110 |
| 36 months | 3.85% | $1,200 |
| 48 months | 3.90% | $1,654 |
| 60 months | 4.00% | $2,167 |
| 72 months | 4.05% | $2,690 |
Sources (2)
- inovafederal.org/personal/pers…/share-certificates.html
- inovafederal.org/services-tools/tools/rates.html
All captured Oct 5, 2026
Step Up Certificates
Up to 4.05%APY · 9 terms
Allows changing certificate rate one time during the term if rates go up. $200 minimum deposit to open. Penalty for early withdrawal. Dividends compounded and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.75% | $375 |
| 14 months | 4.00% | $468 |
| 18 months | 3.75% | $568 |
| 24 months | 3.80% | $774 |
| 30 months | 3.85% | $990 |
| 36 months | 3.85% | $1,200 |
| 48 months | 3.90% | $1,654 |
| 60 months | 4.00% | $2,167 |
| 72 months | 4.05% | $2,690 |
Sources (2)
- inovafederal.org/personal/pers…/share-certificates.html
- inovafederal.org/services-tools/tools/rates.html
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.75%APY · 13 terms
$200 minimum deposit to open IRA certificate. Traditional and Roth IRA options available. Penalty for early withdrawal. Dividends compounded and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months5 Month Special | 4.00% | $165 |
| 6 months | 3.60% | $178 |
| 11 months11 Month Special | 4.15% | $380 |
| 12 months | 3.75% | $375 |
| 14 months | 4.00% | $468 |
| 14 months14 Month Special | 4.50% | $527 |
| 18 months | 3.75% | $568 |
| 20 months20 Month Special | 4.75% | $804 |
| 24 months | 3.80% | $774 |
| 30 months | 3.85% | $990 |
| 30 months30 Month Special | 4.30% | $1,110 |
| 36 months | 3.85% | $1,200 |
| 48 months | 3.90% | $1,654 |
| 60 months | 4.00% | $2,167 |
| 72 months | 4.05% | $2,690 |
Sources (2)
- inovafederal.org/personal/pers…ement-accounts-iras.html
- inovafederal.org/services-tools/tools/rates.html
All captured Oct 5, 2026
IRA Step Up Certificates
Up to 4.05%APY · 9 terms
$200 minimum deposit to open. Allows changing certificate rate one time during the term if rates go up. Penalty for early withdrawal. Dividends compounded and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.75% | $375 |
| 14 months | 4.00% | $468 |
| 18 months | 3.75% | $568 |
| 24 months | 3.80% | $774 |
| 30 months | 3.85% | $990 |
| 36 months | 3.85% | $1,200 |
| 48 months | 3.90% | $1,654 |
| 60 months | 4.00% | $2,167 |
| 72 months | 4.05% | $2,690 |
Sources (1)
- inovafederal.org/services-tools/tools/rates.html · captured Oct 5, 2026
Who can join INOVA Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.