Looking for a safe, reliable way to grow your money?
Our Share Certificates and IRA CDs make it easy to save with confidence.
Share Certificates
- Earn more than a traditional savings account
- Lock in your rate and watch your savings grow
- Choose terms that fit your goals (3 months to 3 years)
- Dividends posted monthly
- Get started with just $500
- Federally insured for up to $250,000
IRA Certificates
A smarter, safer way to grow your retirement savings.
- Guaranteed returns with fixed rates
- Higher earning potential than standard savings
- Traditional and Roth IRA options available
- Dividends posted monthly
- $500 minimum deposit to get started
- Better rates with longer terms
Instep CU Rates
| Rate | APY* | Minimum Deposit | Minimum Balance to Earn |
|---|---|---|---|
| 1.25% | 1.26% | $0.01 | $0.01 |
| 1.50% | 1.51% | $10,000.01 | $10,000.01 |
| 1.75% | 1.76% | $20,000.00 | $20,000.00 |
*APY = Annual Percentage Yield. APY is Instep’s current rate. Effective Date: 10/17/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Credit Union Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. | |||
| Account Term | Rate | APY* | Minimum Deposit | Minimum Balance to Earn |
|---|---|---|---|---|
| 6 months | 2.35% | 2.38% | $500.00 | $500.00 |
| 12 months | 2.35% | 2.38% | $500.00 | $500.00 |
| 24 months | 2.60% | 2.63% | $500.00 | $500.00 |
| 36 months | 2.60% | 2.63% | $500.00 | $500.00 |
*APY = Annual Percentage Yield. APY is Instep’s current rate. Effective Date: 10/17/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Credit Union Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. | ||||
| Term | Dividend Rate | APY* |
|---|---|---|
| Minimum Balance: $500 - $4,999.99 | ||
| 3 Months | 2.35% | 2.38% |
| 6 Months | 2.35% | 2.38% |
| 9 Months | 2.60% | 2.63% |
| 1 Year | 2.60% | 2.63% |
| 2 Years | 2.85% | 2.89% |
| 3 Years | 2.85% | 2.89% |
| Mini-Jumbo Minimum Balance: $5,000 - $14,999.99 | ||
| 3 Months (Mini-Jumbo) | 2.60% | 2.63% |
| 6 Months (Mini-Jumbo) | 2.60% | 2.63% |
| 9 Months (Mini-Jumbo) | 2.85% | 2.89% |
| 1 Year (Mini-Jumbo) | 2.85% | 2.89% |
| 2 Years (Mini-Jumbo) | 3.10% | 3.15% |
| 3 Years (Mini-Jumbo) | 3.10% | 3.15% |
| Jumbo Minimum Balance: $15,000 - $24,999.99 | ||
| 3 Months (Jumbo) | 2.85% | 2.89% |
| 6 Months (Jumbo) | 2.85% | 2.89% |
| 9 Months (Jumbo) | 3.10% | 3.15% |
| 1 Year (Jumbo) | 3.10% | 3.15% |
| 2 Years (Jumbo) | 3.35% | 3.41% |
| 3 Years (Jumbo) | 3.35% | 3.41% |
| Super Jumbo Minimum Balance: $25,000 - $100,000 | ||
| 3 Months (Super Jumbo) | 3.10% | 3.15% |
| 6 Months (Super Jumbo) | 3.10% | 3.15% |
| 9 Months (Super Jumbo) | 3.35% | 3.40% |
| 1 Year (Super Jumbo) | 3.35% | 3.40% |
| 2 Years (Super Jumbo) | 3.60% | 3.67% |
| 3 Years (Super Jumbo) | 3.60% | 3.67% |
*APY = Annual Percentage Yield. APY is Instep’s current rate. Effective Date: 10/17/2026. Dividend rates are subject to change without notice. Dividends are posted monthly based on the daily balance and compounded monthly. Instep Credit Union Share Certificate rates subject to change at any time and are not guaranteed until certificate and membership are opened. Instep Share Rates are variable rate accounts. Your share rate may change after the account has been opened. Rates are not guaranteed. Penalties for early withdrawals may apply. Fees may reduce earnings on the account. | ||
Should I convert to a Roth IRA?
Roth IRA is a great way for clients to create tax-free income from their retirement assets. Yet, keep in mind that when you convert your taxable retirement assets into a Roth IRA you will generally pay ordinary income tax on the taxable amount that is converted. The conversion amount is not subject to the 10% early distribution penalty. Your tax-free potential is maximized if you pay the taxes from your current income or personal savings and not from your IRA. Individuals of all income levels are eligible to convert to a Roth IRA.
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