Inova rates: up to 4.50% APY
credit union · NCUA CHARTER 4968 · www.inovafederal.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Christmas Club | $0 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account (HSA) | $0 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Financial Management Account | $2,000 - $10,000 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Financial Management Account | $10,000.01 - $25,000 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Financial Management Account | $25,000.01 - $50,000 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Financial Management Account | $50,000.01 - $100,000 | 0.85% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Financial Management Account | $100,000.01 or greater | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | $0 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Membership Savings | $100 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Special Savings | $0 | 0.01% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| IRA 6-Month CD | 6 Month | 3.60% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 1-Year CD | 12 Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Step Up Certificates | 12 Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Step Up Certificates | 12 Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 14-Month CD | 14 Month Special | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 14-Month CD | 14 Month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Step Up Certificates | 14 Month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Step Up Certificates | 14 Month | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 18-Month CD | 18 Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Step Up Certificates | 18 Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Step Up Certificates | 18 Month | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 2-Year CD | 2 Year | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Step Up Certificates | 2 Year | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Step Up Certificates | 2 Year | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 30-Month CD | 30 Month | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Step Up Certificates | 30 Month | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Step Up Certificates | 30 Month | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 3-Year CD | 3 Year | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Step Up Certificates | 3 Year | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| Step Up Certificates | 3 Year | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 4-Year CD | 4 Year | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Step Up Certificates | 4 Year | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Step Up Certificates | 4 Year | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 5-Year CD | 5 Year | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Step Up Certificates | 5 Year | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Step Up Certificates | 5 Year | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 6-Year CD | 6 Year | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Step Up Certificates | 6 Year | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Step Up Certificates | 6 Year | 4.05% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Emerald Money Market | $0.00 - $249,999.99 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Emerald Money Market | $250,000.00 or greater | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Emerald Money Market | $500,000 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Gold Money Market Savings | $50,000 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Money Market Savings | $0 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Platinum Money Market Savings | $100,000 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Platinum Money Market Savings | $250,000 | 3.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Shield Money Market | $0 - $50,000 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Shield Money Market | $50,000.01 - $100,000 | 1.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Shield Money Market | $100,000.01 - $250,000 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Shield Money Market | $250,000.01 or greater | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Shield Money Market Standard | $0 | 0.01% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Advantage 50 Checking | $0 | 0.07% | APY | 2026-11-01 | since 2026-11-01 | |
| Elite Checking with | $0 - $1,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Elite Checking with | $2,000 or greater | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Performance Checking | $0 | 0.07% | APY | 2026-11-01 | since 2026-11-01 | |
| Shield Checking | No Requirements Met | 0.07% | APY | 2026-11-01 | since 2026-11-01 | |
| Shield Checking | $0 - $15,000 with requirements met | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Shield Checking | $15,000.01 or greater | 0.07% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.inovafederal.org/services-tools/tools/rates.html | 2026-11-02 01:54 UTC | ok | 5884b30f009c |