certificates
Save More—Earn More! Certificate Accounts offer competitive dividend rates for members seeking to earn more for their savings. Terms range from three months to five years. Youth certificates are also available for ages birth to 17 to help our younger members get a jump start on saving. Additionally, certificate funds are available to use as collateral for a certificate-secured loan at a low rate of interest.
turn your savings into lasting memories
For a limited time, earn:
4.00% APY* on a 9-Month CD
4.70% APY* on a 15-Month CD
Plus, enjoy one rate bump during your CD term. If we increase the rate on your CD Special, you’ll have the opportunity to bump your rate, too.
keep building your savings with whatever comes next
Your savings don’t have to stop growing once you open your CD. With our Add-On feature, you can keep adding to it throughout the term, whenever extra money comes your way, such as:
- your bonus
- your tax refund
- your birthday money
- whatever you want to save next
There’s no minimum or maximum amount required for additional deposits, so whether it’s a little extra cash or a larger windfall, you can put it toward your savings goals.
Lock in your rate today! Apply for a Certificate of Deposit within Online Banking, stop by any of our branches, or call a Member Service Representative at 800.648.8035.
estimate your savings
CDs are considered one of the safest forms of investing. Consistent investments over a number of years can be an effective strategy for accumulating wealth. Use our savings calculator to see how to put some strategy into your savings.
Have any specific savings goals in mind? What will it take to reach your financial goals? Use the savings goal calculator to get an idea and get more information about the savings plan you should follow, and what you can do to help ensure that you stay on track.
Savings Goal Calculator
read our blog
- how do certificates of deposit (CDs) work?
- savings accounts, money markets, and certificates: what’s the difference?
*APY = Annual Percentage Yield. APYs are accurate as of October 1, 2026. A minimum deposit of $50 is required to open the 9-month promotional CD and obtain the advertised 4.00% APY. A minimum deposit of $50 is required to open the 15-month promotional CD and obtain the advertised 4.70% APY. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Dividends are compounded and credited monthly. Additional deposits are permitted during the CD term. One rate bump is permitted during the CD term. If Ignite Credit Union increases the advertised rate for the same CD Special you currently hold, you may request a one-time increase to the new advertised rate. The rate bump applies only to Ignite Credit Union’s advertised rate for the same CD Special and does not extend or otherwise change the original CD term or maturity date. Limited-time offer. Federally insured by NCUA.
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