Iq rates: up to 5.00% APY
credit union · NCUA CHARTER 60438 · www.iqcu.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Easy Saver | $0+ · rates dated 1 Nov 2025 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Shares | $0.00 · rates dated 1 Nov 2025 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Intelligent Savings Non Qualifying | $0.00 · rates dated 1 Nov 2025 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Intelligent Savings Qualifying | $0.00 · rates dated 1 Nov 2025 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Shares (Savings) | $100.00 · rates dated 1 Nov 2025 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Roth IRA Shares | $0.00 · rates dated 1 Nov 2025 | 0.30% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Accounts | $0+ · rates dated 1 Nov 2025 | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 3-Month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 3-Month CD | 3 Month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6-Month | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 6-Month CD | 6 Month | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12-Month | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 1-Year CD | 12 Month | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24-Month | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 2-Year CD | 24 Month | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36-Month | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 3-Year CD | 36 Month | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60-Month | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 5-Year CD | 60 Month | 2.50% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Intelligent Checking Non Qualifying | $0.00 · rates dated 1 Nov 2025 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Intelligent Checking Qualifying | $0.00 · rates dated 1 Nov 2025 | 5.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Intelligent Checking ® | rates dated 1 Nov 2025 | 5.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Interest Checking | $0.00 · rates dated 1 Nov 2025 | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.iqcu.com/savings | 2026-11-01 19:05 UTC | ok | a5f05c83fc8c |
| www.iqcu.com/intelligent-savings | 2026-11-01 19:05 UTC | ok | 67856cd96072 |
| www.iqcu.com/certificate-of-deposit | 2026-11-01 18:43 UTC | ok | 1fac2e4c6d79 |