Certificates

70 Years. 70 Months. One Special Certificate.

To celebrate IMCU’s 70th Anniversary, we’re offering a 70‑Month Certificate Special for a limited time.

Check out the details below and celebrate with us.

Certificates 

  • Terms available: 6-mo, 7-mo, 13-mo, 70-mo, 1, 2, 3, 4, 5 & 7 year terms
  • Minimum balance: $1,000
  • Dividends are compounded monthly & credited on the last day every month

                                                                 Current Rates


                                                                         Certificates

TERM DIVIDEND RATE APY
6 Month 3.20% 3.25%
12 Month 2.96% 3.00%
13 Month2 4.00% 4.07%
24 Month 2.96% 3.00%
36 Month 3.45% 3.51%
48 Month  2.72% 2.75%
60 Month  2.72% 2.75%
70 Month3 4.22% 4.30%
84 Month  2.23% 2.25%
APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 04.01.26 and subject to change at any time. Penalty for early withdrawal. 

17-Month certificate account only. APY = Annual Percentage Yield. 3.93% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 04.01.26 and subject to change at any time. Penalty for early withdrawal. Will renew to the 6-month certificate account if auto-renew is chosen. 

213-Month certificate account only. APY = Annual Percentage Yield. 4.00% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 04.01.26 and subject to change at any time. Penalty for early withdrawal. Will renew to the 12-month certificate account if auto-renew is chosen. 

370-Month certificate account only. APY = Annual Percentage Yield. 4.22% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 04.01.26 and subject to change at any time. Penalty for early withdrawal. Will renew to the 60-month certificate account if auto-renew is chosen. 



                                                                          HSA Certificates

TERM DIVIDEND RATE APY
6 Month 3.20% 3.25%
12 Month 2.96% 3.00%
13 Month2 4.00% 4.07%
24 Month 2.96% 3.00%
36 Month 3.45% 3.51%
48 Month  2.72% 2.75%
60 Month  2.72% 2.75%
70 Month3 4.22% 4.30%
84 Month  2.23% 2.25%
APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 04.01.26 and subject to change at any time. Penalty for early withdrawal. 

17-Month certificate account only. APY = Annual Percentage Yield. 3.93% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 04.01.26 and subject to change at any time. Penalty for early withdrawal. Will renew to the 6-month certificate account if auto-renew is chosen. 

213-Month certificate account only. APY = Annual Percentage Yield. 4.00% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 04.01.26 and subject to change at any time. Penalty for early withdrawal. Will renew to the 12-month certificate account if auto-renew is chosen. 

370-Month certificate account only. APY = Annual Percentage Yield. 4.22% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 04.01.26 and subject to change at any time. Penalty for early withdrawal. Will renew to the 60-month certificate account if auto-renew is chosen. 

 

IRA CERTIFICATE ACCOUNT

TERM DIVIDEND RATE APY
6 Month 3.20% 3.25%
12 Month 2.96% 3.00%
13 Month2 4.00% 4.07%
24 Month 2.96% 3.00%
36 Month 3.45% 3.51%
48 Month  2.72% 2.75%
60 Month  2.72% 2.75%
70 Month3 4.22% 4.30%
84 Month  2.23% 2.25%
APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 04.01.26 and subject to change at any time. Penalty for early withdrawal. 

17-Month certificate account only. APY = Annual Percentage Yield. 3.93% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 04.01.26 and subject to change at any time. Penalty for early withdrawal. Will renew to the 6-month certificate account if auto-renew is chosen. 

213-Month certificate account only. APY = Annual Percentage Yield. 4.00% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 04.01.26 and subject to change at any time. Penalty for early withdrawal. Will renew to the 12-month certificate account if auto-renew is chosen. 

370-Month certificate account only. APY = Annual Percentage Yield. 4.22% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 04.01.26 and subject to change at any time. Penalty for early withdrawal. Will renew to the 60-month certificate account if auto-renew is chosen. 

IRA SAVINGS ACCOUNT

TERM DIVIDEND RATE APY
N/A 1.50% 1.51%
APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Not eligible for online opening. Maximum $1,000,000 per household. Rates effective 04.01.2026 and subject to change at any time. Penalty for early withdrawal.