Share Certificates

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Current Rates

If you are seeking a higher return on your money without much risk, consider an IDB-IIC Federal Credit Union Share Certificate account (Certificate of Deposit at other institutions). They are a safe and secure investment, with terms as short as six months and as long as seven years.  Providing you with higher yielding options no matter what you are saving for.

You can open a Share Certificate with as low as $250 dollars. Your dividend is paid to your savings or checking account each month or reinvested into your certificate and collect all your funds at maturity, you decide. Your funds are also insured under the National Credit Union Share Insurance Fund.

Step Up Option

Concerned about tying up your funds? Don’t worry. Open a Step-Up
Certificate and you’ll have the option of increasing your rate if our rates rise during your certificate term. Contact us for details.

Benefits at a glance:

  • Terms ranging from six months to seven years
  • Minimum opening amounts of $250
  • Guaranteed dividend rates for the investment term
  • Option to reinvest dividend or have it paid to you each month



NCUA LogoYour savings federally insured to at least $250,000 and backed by the National Credit Union Administration, a U.S. Government agency.