Share Certificate Rates

Rates effective February 1, 2019

TermDividend RateAPY*
6 Months0.60%0.60%
12 Months0.90%0.90%
18 Months1.10%1.11%
24 Months1.40%1.41%
30 MONTHS SPECIAL3.00%3.03%
36 Months1.70%1.71%
48 Months1.80%1.81%
60 Months2.10%2.12%

* Annual Percentage Yield (APY); based on a $1,000 example and assumes dividends remain in account until maturity.

† $500 minimum balance required. 30 months special is for new money only. New money is considered money deposited into your IFCU account within the past 30 days. Your non-special Term Share Certificate account will automatically renew for a term equal to the original at the prevailing rate at the time of renewal. Your 30 Months Special Term Share Certificate account will automatically renew for 30 month terms at the prevailing rate for that term at the time of renewal. The dividend rate for all Term Share Certificates is fixed for the term of the account. Dividends are compounded and paid quarterly. Substantial penalty for early withdrawal. For additional disclosures, see the  “Membership and Account  Agreement and Disclosures” brochure.  Please call (765) 771-8000 for more information.