Certificates

Time and money can be a powerful combination. If you have some extra cash and a bit of patience, an IMCU Certificate can serve as a high-yield savings account, offering competitive rates and earnings that can make a significant impact on your future finances.

Open a Certificate

Feel confident that your investment will pay off.

Safe, secure high-yield savings tool.¹

Savings terms ranging from 6 months to 7 years.

Only $1,000 needed to get started.¹

Today's deposits can help you reach tomorrow's goals.

What's on your financial agenda six months from now? Next year? Five years from now? At IMCU, our high-yield savings Certificates can help our members earn money for anything the future brings, from major purchases and education costs to home renovations and dream vacations.

Choose Certificate terms of 6, 13, or 70 months, or 1, 2, 3, 4, 5, or 7 years.
Fixed rates locked in for the entire investment period.
Guaranteed earnings as long as you let the Certificate reach its maturity date.²

Open a Certificate

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Planning for long‑term

financial goals?

Explore Investment Services designed to support your future plans. With your goals, timelines, and risk tolerance in mind, we customize an investment strategy based on sound practices and attentive service.³

More Details

¹Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household.

²Early withdrawal penalty may apply and could reduce earnings. See IMCU’s fee disclosure for details.

³Investment products are not NCUA insured, not guaranteed, and may lose value.

*13-Month certificate account only. APY = Annual Percentage Yield. 4.41% dividend rate. Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 11.01.2026 and subject to change at any time. Penalty for early withdrawal. Fees could reduce earnings. Will renew to the 12-month certificate account if auto-renew is chosen.