Credit union · NCUA insured
IU Credit Union CD Rates
Top CarrotIU Credit Union’s best CD rate is 4.50% APY on a 6-month share certificate (CD). Terms run from 6 months to 6 years. Rates checked October 15, 2026.
How IU Credit Union’s CD rates compare
Compared with banks and credit unions near Bloomington, IN, where IU Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
IU Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $2,000
- Earns on $10,000
- $223
Term Certificates
2nd-highest rate
Indiana Members Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $472
3rd-highest rate
BCU
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
IU Credit Union CD score
92
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo4.50%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.25%
- 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 IU 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.
Term Certificates
Up to 4.50%APY · 11 terms
Must have at least one ownership share on deposit in a Membership Savings account to open additional products. Compounded daily, paid monthly. Early withdrawal penalty applies: 90 days' dividends or all dividends earned (whichever is less) for terms of 1 year or less; 180 days' dividends or all dividends earned (whichever is less) for terms greater than 1 year.
| Term | APY · $500 and up | APY · $2,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsPaid monthly | — | 4.50% | — | 4.50% | $223 |
| 12 monthsPaid monthly | 2.00% | — | — | 2.00% | $200 |
| 13 monthsPaid monthly | — | — | 4.25% | 4.25% | $461 |
| 18 monthsPaid monthly | 2.26% | — | — | 2.26% | $341 |
| 24 monthsPaid monthly | 2.50% | — | — | 2.50% | $506 |
| 25 monthsPaid monthly | — | — | 3.75% | 3.75% | $797 |
| 30 monthsPaid monthly | 2.75% | — | — | 2.75% | $702 |
| 36 monthsPaid monthly | 3.25% | — | — | 3.25% | $1,007 |
| 48 monthsPaid monthly | 3.00% | — | — | 3.00% | $1,255 |
| 60 monthsPaid monthly | 3.00% | — | — | 3.00% | $1,593 |
| 72 monthsPaid monthly | 3.00% | — | — | 3.00% | $1,941 |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
Coverdell ESA Certificates
Up to 4.50%APY · 11 terms
Must have at least one ownership share on deposit in a Membership Savings account. Compounded daily, paid monthly. Early withdrawal penalties may apply on Coverdell accounts.
| Term | APY · $500 and up | APY · $2,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsPaid monthly | — | 4.50% | — | 4.50% | $223 |
| 12 monthsPaid monthly | 2.00% | — | — | 2.00% | $200 |
| 13 monthsPaid monthly | — | — | 4.25% | 4.25% | $461 |
| 18 monthsPaid monthly | 2.26% | — | — | 2.26% | $341 |
| 24 monthsPaid monthly | 2.50% | — | — | 2.50% | $506 |
| 25 monthsPaid monthly | — | — | 3.75% | 3.75% | $797 |
| 30 monthsPaid monthly | 2.75% | — | — | 2.75% | $702 |
| 36 monthsPaid monthly | 3.25% | — | — | 3.25% | $1,007 |
| 48 monthsPaid monthly | 3.00% | — | — | 3.00% | $1,255 |
| 60 monthsPaid monthly | 3.00% | — | — | 3.00% | $1,593 |
| 72 monthsPaid monthly | 3.00% | — | — | 3.00% | $1,941 |
Sources (1)
- iucu.org/rates/deposit-rates.html · captured Oct 5, 2026
Individual Retirement Account (IRA) Certificates
Up to 4.50%APY · 11 terms
An IRA Savings is required. Available in Traditional and Roth IRA options. Must have at least one ownership share on deposit in a Membership Savings account. Compounded daily, paid monthly. Early withdrawal penalties may apply on IRA accounts.
| Term | APY · $500 and up | APY · $2,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsPaid monthly | — | 4.50% | — | 4.50% | $223 |
| 12 monthsPaid monthly | 2.00% | — | — | 2.00% | $200 |
| 13 monthsPaid monthly | — | — | 4.25% | 4.25% | $461 |
| 18 monthsPaid monthly | 2.26% | — | — | 2.26% | $341 |
| 24 monthsPaid monthly | 2.50% | — | — | 2.50% | $506 |
| 25 monthsPaid monthly | — | — | 3.75% | 3.75% | $797 |
| 30 monthsPaid monthly | 2.75% | — | — | 2.75% | $702 |
| 36 monthsPaid monthly | 3.25% | — | — | 3.25% | $1,007 |
| 48 monthsPaid monthly | 3.00% | — | — | 3.00% | $1,255 |
| 60 monthsPaid monthly | 3.00% | — | — | 3.00% | $1,593 |
| 72 monthsPaid monthly | 3.00% | — | — | 3.00% | $1,941 |
Sources (2)
All captured Oct 5, 2026
Who can join IU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in one of 65 Indiana counties.
Employers and groups
- Business membership is available to business owners living or working in one of 65 Indiana counties, where the qualifying business principal is a member or eligible for membership.
Cost to join
- A minimum deposit of $5 in a Membership Savings account is required to establish membership.
Membership information collected October 5, 2026.