Certificates of Deposit/IRAs

Take advantage of higher dividends and short-term commitment with a Certificate of Deposit (Certificate) or work on reaching your retirement goals with an Individual Retirement Account (IRA).  IMCU offers a range of terms available to meet individual needs.


Certificate poster

Membership savings account required. $1,000 minimum deposit. Maximum $1,000,000 per household. Rates effective 7/1/18 and subject to change at any time. Penalty for early withdrawal.


  • Terms available: 6-mo, 1, 2, 3, 4, 5 & 7-year terms
  • Minimum Balance: $1,000
  • Penalty for early withdrawal
  • Dividends are compounded monthly & credited on the last day every month

Current Dividend Rates

Individual Retirement Accounts (IRAs)

Roth IRAs

Roth IRAs expand after-tax investment opportunities and offers members tax-free withdrawals at retirement or for certain other qualified uses.

Traditional IRAs

A Traditional IRA is a popular investment tool that continues to grow due to its simplicity and benefits. It also offers the opportunity for pre-tax investments and tax-deferred growth for retirement and other financial needs.

Coverdell Education Savings Accounts

Coverdell Education Savings Accounts (Formerly Education IRAs) provide a tax-advantage not offered by other types of savings accounts. With increased contribution limits and expanded “qualified” (tax-free) expenses, individuals have a greater opportunity to enjoy the benefits offered.  Earnings are tax-deferred and may be tax-free if used for educational purposes.

Visit any IMCU branch to open your Certificate or IRA!

Indiana Members Credit Union is not licensed to provide tax advice. Please refer to your tax advisor for details.


IMCU Certificate Application













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