Credit union · NCUA insured
IRCO Credit Union CD Rates
IRCO Credit Union’s best CD rate is 2.35% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How IRCO Credit Union’s CD rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where IRCO Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
IRCO Credit Union
2.35%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $476
Share Certificate of Deposit Accounts
Top rate
First Northern Bank and Trust
4.73%APY
- Term
- 24 months
- Minimum
- $5,000
- Earns on $10,000
- $968
2nd-highest rate
Unity Bank
4.40%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $667
IRCO Credit Union CD score
63
CD score
Higher than 9% of U.S. banks and credit unions
- 3–8 months3–8 mo1.50%
- 9–15 months9–15 mo2.00%
- 16–30 months16–30 mo2.35%
- 31–60 months31–60 mo2.10%
- QualifiedQualified2.35%
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 IRCO 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 of Deposit Accounts
Up to 2.35%APY · 7 terms
Automatically renewed at current rate upon maturity unless notified otherwise. Early withdrawal penalty applies. Dividends payable directly to share accounts or added back to certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal. Fees may reduce earnings | 1.50% | $75 |
| 12 monthsPenalty for early withdrawal. Fees may reduce earnings | 2.00% | $200 |
| 18 monthsPenalty for early withdrawal. Fees may reduce earnings | 2.25% | $339 |
| 24 monthsPenalty for early withdrawal. Fees may reduce earnings | 2.35% | $476 |
| 30 monthsPenalty for early withdrawal. Fees may reduce earnings | 1.55% | $392 |
| 36 monthsPenalty for early withdrawal. Fees may reduce earnings | 1.85% | $565 |
| 60 monthsPenalty for early withdrawal. Fees may reduce earnings | 2.10% | $1,095 |
Special-purpose accounts
IRA Certificates
Up to 2.00%APY · 2 terms
All IRA accounts are administered at the main office in Phillipsburg only. Available as Traditional or Roth IRA. Automatically renews upon maturity. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPenalty for early withdrawal. Fees may reduce earnings | 2.00% | $200 |
| 30 monthsPenalty for early withdrawal. Fees may reduce earnings | 1.55% | $392 |
Who can join IRCO Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, conduct business, or volunteer in Phillipsburg, Alpha, or the Townships of Franklin, Greenwich, Harmony, Lopatcong, and Pohatcong, New Jersey, are eligible for membership.
- Individuals who live, work, worship, attend school, conduct business, or volunteer in Northampton and Lehigh Counties, Pennsylvania, are eligible for membership.
Family and household
- Membership can be expanded to immediate family members of members, including mother, father, son, daughter, sister, brother, etc.
Cost to join
- An initial deposit of $5.00 is required to open an account and establish membership.
Membership information collected October 5, 2026.