Credit union · NCUA insured
Internationalites Federal Credit Union CD Rates
Internationalites Federal Credit Union’s best CD rate is 3.04% APY on a 6-month share certificate (CD). Terms run from 6 months to 1 year. Rates checked October 22, 2026.
How Internationalites Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Carlsbad, NM, where Internationalites Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Internationalites Federal Credit Union
3.04%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $151
Certificates of Deposit
Top rate
Artesia Credit Union
4.32%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $432
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
3.04%APY · 2 terms
Requires credit union membership with a minimum purchase of 6 shares at $5.00 par value ($30.00 total). Dividends are compounded and credited monthly using the average daily balance method. Additional deposits are not allowed after opening. Partial withdrawals are not allowed; early withdrawal penalty is 90 days' dividends. Automatically renewable with a 10-day grace period after maturity.
| Term | APY · $1,000 and up | APY · $20,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsFixed rate for the 6-month term. Dividends compounded and credited monthly | 3.04% | — | 3.04% | $151 |
| 12 monthsFixed rate for the 12-month term with a $20,000.00 minimum tier. Dividends compounded and credited monthly | — | 3.04% | —3.04% from $20k | — |
| 12 monthsFixed rate for the 12-month term. Dividends compounded and credited monthly | 3.04% | — | 3.04% | $304 |
Sources (2)
All captured Sep 16, 2026
Who can join Internationalites Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Mosaic Potash Carlsbad Inc., Intrepid Potash, 4 Elements Oilfield Services LLC, or SIMCO (Salado Isolation Mining Contractors) are eligible for membership.
- Employees of International Minerals Carlsbad (IMC), Intrepid Potash, Pro Control Well Services LLC, or SIMCO (Salado Isolation Mining Contractors)/WIPP are eligible for membership.
Military, government and schools
- Employees of the City of Carlsbad are eligible for membership.
Family and household
- Parents, brothers, sisters, sons, daughters, grandparents, grandchildren, step-parents, and step-children of eligible employees or their spouses are eligible for membership.
Cost to join
- Members must purchase six shares at $5.00 each ($30.00 total) and maintain a $30.00 share balance, which is refundable upon termination if the account remains open in good standing for at least 90 days.
Membership information collected October 4, 2026.