Credit union · NCUA insured
iQ Credit Union CD Rates
iQ Credit Union’s best CD rate is 4.50% APY on a 7-month share certificate (CD), with extra requirements. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How iQ Credit Union’s CD rates compare
Compared with banks and credit unions near Portland, OR-WA, where iQ Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
iQ Credit Union
4.50%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000
- $260
Certificates
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
3rd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
iQ Credit Union CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo2.75%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.50%
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 iQ 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 4.50%APY · 8 terms
Rates may change at any time after account opening. Early withdrawal penalty may apply. Eligible for Member Perks bump upon qualification and request at CD opening (must have savings and checking with debit card, eStatements, and Easy Saver). No minimum deposit to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMember Perks rate bump: requires iQ savings and checking account with a debit card, enrollment in eStatements and Easy Saver program | 1.25% | $31 |
| 3 monthsStandard rate without Member Perks bump | 1.00% | $25 |
| 6 monthsMember Perks rate bump: requires iQ savings and checking account with a debit card, enrollment in eStatements and Easy Saver program | 3.00% | $149 |
| 6 monthsStandard rate without Member Perks bump | 2.75% | $137 |
| 7 months7-Month CD Special with Member Perks rate bump. At maturity, promotional certificate will mature into a 6-month certificate at then-current rate. For existing members, at least 50% of funds must come from sources other than iQ Credit Union accounts; new memberships funded entirely from outside iQ. Requires savings and checking account with active debit card, enrollment in eStatements and Easy Saver program | 4.50% | $260 |
| 7 months7-Month CD Special. At maturity, promotional certificate will mature into a 6-month certificate at then-current rate. For existing members, at least 50% of funds must come from sources other than iQ Credit Union accounts. New memberships must be funded entirely from sources outside iQ. Offer subject to change/discontinuation no earlier than September 30, 2026 | 4.25% | $246 |
| 12 monthsMember Perks rate bump: requires iQ savings and checking account with a debit card, enrollment in eStatements and Easy Saver program | 2.75% | $275 |
| 12 monthsStandard rate without Member Perks bump | 2.50% | $250 |
| 19 months19-Month CD Special with Member Perks rate bump. At maturity, promotional certificate will mature into a 12-month certificate at then-current rate. For existing members, at least 50% of funds must come from sources other than iQ Credit Union accounts; new memberships funded entirely from outside iQ. Requires savings and checking account with active debit card, enrollment in eStatements and Easy Saver program | 4.00% | $641 |
| 19 months19-Month CD Special. At maturity, promotional certificate will mature into a 12-month certificate at then-current rate. For existing members, at least 50% of funds must come from sources other than iQ Credit Union accounts. New memberships must be funded entirely from sources outside iQ. Offer subject to change/discontinuation no earlier than September 30, 2026 | 3.75% | $600 |
| 24 monthsMember Perks rate bump: requires iQ savings and checking account with a debit card, enrollment in eStatements and Easy Saver program | 2.75% | $558 |
| 24 monthsStandard rate without Member Perks bump | 2.50% | $506 |
| 36 monthsMember Perks rate bump: requires iQ savings and checking account with a debit card, enrollment in eStatements and Easy Saver program | 2.75% | $848 |
| 36 monthsStandard rate without Member Perks bump | 2.50% | $769 |
| 60 monthsMember Perks rate bump: requires iQ savings and checking account with a debit card, enrollment in eStatements and Easy Saver program | 2.75% | $1,453 |
| 60 monthsStandard rate without Member Perks bump | 2.50% | $1,314 |
Sources (1)
- iqcu.com/certificate-of-deposit · captured Sep 16, 2026
Special-purpose accounts
IRA Certificates
Up to 4.50%APY · 8 terms
Rates may change at any time after account opening. Early withdrawal penalty may apply. Eligible for Member Perks bump upon qualification and request at CD opening (must have savings and checking with debit card, eStatements, and Easy Saver). No minimum deposit to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMember Perks rate bump: requires iQ savings and checking account with a debit card, enrollment in eStatements and Easy Saver program | 1.25% | $31 |
| 3 monthsStandard rate without Member Perks bump | 1.00% | $25 |
| 6 monthsMember Perks rate bump: requires iQ savings and checking account with a debit card, enrollment in eStatements and Easy Saver program | 3.00% | $149 |
| 6 monthsStandard rate without Member Perks bump | 2.75% | $137 |
| 7 months7-Month CD Special with Member Perks rate bump. At maturity, promotional certificate will mature into a 6-month certificate at then-current rate. For existing members, at least 50% of funds must come from sources other than iQ Credit Union accounts; new memberships funded entirely from outside iQ. Requires savings and checking account with active debit card, enrollment in eStatements and Easy Saver program | 4.50% | $260 |
| 7 months7-Month CD Special. At maturity, promotional certificate will mature into a 6-month certificate at then-current rate. For existing members, at least 50% of funds must come from sources other than iQ Credit Union accounts. New memberships must be funded entirely from sources outside iQ. Offer subject to change/discontinuation no earlier than September 30, 2026 | 4.25% | $246 |
| 12 monthsMember Perks rate bump: requires iQ savings and checking account with a debit card, enrollment in eStatements and Easy Saver program | 2.75% | $275 |
| 12 monthsStandard rate without Member Perks bump | 2.50% | $250 |
| 19 months19-Month CD Special with Member Perks rate bump. At maturity, promotional certificate will mature into a 12-month certificate at then-current rate. For existing members, at least 50% of funds must come from sources other than iQ Credit Union accounts; new memberships funded entirely from outside iQ. Requires savings and checking account with active debit card, enrollment in eStatements and Easy Saver program | 4.00% | $641 |
| 19 months19-Month CD Special. At maturity, promotional certificate will mature into a 12-month certificate at then-current rate. For existing members, at least 50% of funds must come from sources other than iQ Credit Union accounts. New memberships must be funded entirely from sources outside iQ. Offer subject to change/discontinuation no earlier than September 30, 2026 | 3.75% | $600 |
| 24 monthsMember Perks rate bump: requires iQ savings and checking account with a debit card, enrollment in eStatements and Easy Saver program | 2.75% | $558 |
| 24 monthsStandard rate without Member Perks bump | 2.50% | $506 |
| 36 monthsMember Perks rate bump: requires iQ savings and checking account with a debit card, enrollment in eStatements and Easy Saver program | 2.75% | $848 |
| 36 monthsStandard rate without Member Perks bump | 2.50% | $769 |
| 60 monthsMember Perks rate bump: requires iQ savings and checking account with a debit card, enrollment in eStatements and Easy Saver program | 2.75% | $1,453 |
| 60 monthsStandard rate without Member Perks bump | 2.50% | $1,314 |
Sources (1)
- iqcu.com/certificate-of-deposit · captured Sep 16, 2026
Who can join iQ Credit Union
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