Certificates
An Interior Federal certificate offers a secure way to grow your savings, guaranteeing a higher return on your money without the risks associated with investing. By choosing a certificate, you can lock in guaranteed savings for a specific period while protecting your initial deposit. It’s a low-risk investment option that offers peace of mind, no matter what happens in the economy.
Current Rates for Certificates
As of May 1, 2025, the following certificate rates apply:
- 3.82%
- APY
3.75%
Dividend Rate
3 month
Term
$500 minimum
Balances
- 3.92%
- APY
3.85%
Dividend Rate
6 month
Term
$500 minimum
Balances
- 3.71%
- APY
3.65%
Dividend Rate
12 month
Term
$500 minimum
Balances
- 3.45%
- APY
3.40%
Dividend Rate
20 month (Bump Up)
Term
$500 minimum
Balances
- 3.56%
- APY
3.50%
Dividend Rate
24 month
Term
$500 mimimum
Balances
- 3.76%
- APY
3.70%
Dividend Rate
36 month
Term
$500 minimum
Balances
- 3.66%
- APY
3.60%
Dividend Rate
48 month
Term
$500 minimum
Balances
- 3.56%
- APY
3.50%
Dividend Rate
56 month (Bump Up)
Term
$500 minimum
Balances
- 3.45%
- APY
3.40%
Dividend Rate
60 month
Term
$500 minimum
Balances
Jumbo Certificates
Maximize your earnings with a Jumbo Certificate, which offers even higher returns for those able to deposit a larger amount. To open a Jumbo Certificate, a minimum balance of $100,000 is required.
- Offers a low-risk investment opportunity with guaranteed protection of your initial deposit.
- Higher returns compared to traditional certificates and savings accounts.
- Rates remain locked throughout the term, providing stability.
- Flexible terms ranging from 6 months to 60 months.
Bump-Up Certificates
A standard certificate offers a fixed rate, but with a Bump-Up Certificate, you have the flexibility to “bump up” your rate one time if interest rates increase during your term. This option provides you with the opportunity to take advantage of rising rates while still benefiting from a guaranteed return.
- Available in 20-month or 56-month terms.
- Option available for all Regular, IRA, and Health Savings Account certificates.
- Penalty fees may apply for early withdrawal.
Accumulator Certificates
Our Accumulator Certificates are tailored for younger members, including Little Buffalos Accounts, Teen Accounts, and Young Adult Accounts. These certificates offer competitive rates with a low minimum opening deposit, and you can add to your balance throughout the term.
- Minimum $50 to open.
- Deposit funds in $25 increments during the life of the certificates.
- Available in a 24-month term.
Maximize Your Returns with Certificate Laddering
To ensure that you earn the best rates possible, you can ladder your certificates. By laddering, you can get the liquid availability you’re looking for while controlling the terms of each certificate.
Rather than opening one 5-year certificate for $10,000, you could open 4 certificates for $2,500 each: one at 12 months, one at 24 months, one at 3 years, and one at 5 years.
As each rate matures, you can simply roll it over into another 5-year certificate, thus locking in a higher rate for your savings. After a few of your certificates mature, you’ll be earning a high rate as a certificate matures every single year.
Open an Account in 3 Steps
Please review the list of required documents before you get started.
Are You a Member?
Please use your Digital Banking credentials to login, then visit the Apply Online tab to begin your pre-filled application.
Not a Member Yet?
It’s easy to become a member and begin to take advantage of our wonderful products and services and other member benefits.
If you have an active account with Interior Federal but are unable to login to Digital Banking, click here.
*APY=Annual Percentage Yield.
^Minimum of $500 for certificates and no maximum, and minimum of $100,000 for jumbo certificates. Fees may reduce the earnings. A penalty may be imposed for early withdrawal. For updated information or disclosure, inquire at any branch office or call 800.914.8619. Option not available for certificate-secured loans.
+Member must contact the Credit Union to request the bump up of their rate. Additional funds cannot be added when the bump up option has been exercised.
More details are available in our Schedule of Fees and Charges, Truth-In-Savings Disclosure and Membership Disclosure.
Federally Insured by NCUA