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IU Credit Union "We started a credit union and created a community."
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We believe in saving for a rainy day.

Certificates are available from six months to six years and have varying rates. In addition, certificates for IRAs are available in terms of 6 months to 6 years. IRA certificates can only compound or transfer to an IRA savings tied to the same plan.

Certificate dividends can be:
• Credited to the account of your choice
• Compounded back into the term share certificate

Terms of 1 year or less
Early withdrawal penalty is 90 days' dividends or all dividends earned, whichever is less

Terms greater than 1 year
Early withdrawal penalty is 180 days' dividends or all dividends earned, whichever is less.

Grace Period:
Members have 10 calender days after a certificate matures to redeem or make changes with no penalty. Grace period does not apply to certificate specials.

Automatic Renewal:
Members will receive a maturity notice shortly before certificate matures. If no action is taken, the certificate will automatically be renewed at the dividend rate in effect on the renewal date. Automatic renewal does not apply to certificate specials.

Dividends on all certificates are compounded daily and paid monthly (except for 90- & 30-day terms, which are paid at maturity).

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Related topics:

  • Financial Calculators

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Federally insured by NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.