Credit union · NCUA insured
ISPFCU CD Rates
ISPFCU’s best CD rate is 2.75% APY on a 4-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How ISPFCU’s CD rates compare
Compared with banks and credit unions near Springfield, IL, where ISPFCU has the most branches. $10,000, best rate first.
This credit union’s best
ISPFCU
2.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $848
Conventional Share Certificates
Top rate
Longview Community Bank
4.70%APY
- Term
- 15 months
- Minimum
- $10,000
- Earns on $10,000
- $591
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
ISPFCU CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo2.25%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.75%
- QualifiedQualified2.75%
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 ISPFCU 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.
Conventional Share Certificates
Up to 2.75%APY · 5 terms
Minimum deposit of $500 required to open. Dividends are paid monthly. Early withdrawal penalty of 90 days of dividends may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSubject to an early withdrawal penalty of 90 days of dividends | 2.25% | $112 |
| 12 monthsSubject to an early withdrawal penalty of 90 days of dividends | 2.50% | $250 |
| 24 monthsSubject to an early withdrawal penalty of 90 days of dividends | 2.50% | $506 |
| 36 monthsSubject to an early withdrawal penalty of 90 days of dividends | 2.75% | $848 |
| 48 monthsSubject to an early withdrawal penalty of 90 days of dividends | 2.75% | $1,146 |
Special-purpose accounts
Student Growth Share Certificates
Up to 2.50%APY · 4 terms
Available to members between ages 16-22 with an ISPFCU Student Checking account. Minimum opening deposit is $50. Funds can be added in any denomination at any time. Early withdrawal penalty of 90 days of dividends applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAvailable to members age 16-22 with an ISPFCU Student Checking account. Additional funds can be added at any time. Early withdrawal penalty of 90 days of dividends | 2.25% | $112 |
| 12 monthsAvailable to members age 16-22 with an ISPFCU Student Checking account. Additional funds can be added at any time. Early withdrawal penalty of 90 days of dividends | 2.50% | $250 |
| 18 monthsAvailable to members age 16-22 with an ISPFCU Student Checking account. Additional funds can be added at any time. Early withdrawal penalty of 90 days of dividends | 2.50% | $377 |
| 24 monthsAvailable to members age 16-22 with an ISPFCU Student Checking account. Additional funds can be added at any time. Early withdrawal penalty of 90 days of dividends | 2.50% | $506 |
Who can join ISPFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the credit union are eligible for membership.
Military, government and schools
- Employees who regularly work in the state and local government industry in the state of Illinois are eligible for membership.
- Retired individuals from the state and local government industry in the state of Illinois are eligible for membership.
Family and household
- Spouses of eligible deceased persons are eligible for membership.
- Members of immediate families of any of the approved eligible groups are eligible for membership.
Membership information collected October 5, 2026.