Grow Your Savings with an iTHINK Financial Certificate.

What is a Savings Certificate?

A savings certificate is a credit union certificate account. You deposit a fixed amount for a fixed term and earn a fixed dividend rate that cannot drop while the term runs, in exchange for leaving the money untouched until maturity. iTHINK Financial offers four types: Certificate Accounts open with a minimum of $1,000 in terms from 3 to 84 months. IRA Certificates open with a minimum of $1,000 in Roth, Traditional, and Educational types, in terms from 9 to 84 months. Special Certificate Accounts open with a minimum of $25,000 and pay a higher rate on most terms. HSA Certificates open with a minimum of $500 in a 6-month term. Membership is required, and you can open a membership when opening the certificate.

Certificate Account Features and Benefits

  • $1,000 minimum to open most Certificates
  • HSA Certificates available with a $500 minimum deposit
  • Premium Certificate options available with deposits of $25,000 or more
  • Various terms starting at three months
  • Flexible dividend payment options

Certificate Rates Effective October 1, 2026

 

The highest APY currently offered by iTHINK Financial is 4.25% APY on the limited-time Pick Your Term Certificate, Pick Your Term Premium Certificate, and Pick Your Term IRA/IRA Roth Certificate. Members may choose a 3, 6, 9, or 12-month term. The 31-Month Certificate, 31-Month Premium Certificate, and 31-Month IRA/IRA Roth Certificate offer 3.75% APY.

Among standard-rate Certificate Accounts, the highest APY is 3.40% APY on the 84-Month Special Certificate Account with a minimum investment of $25,000.

For comparison, the FDIC national averages as of July 20, 2026, were 1.68% APY for a 12-month CD, 1.34% APY for a 36-month CD, and 1.36% APY for a 60-month CD. iTHINK Financial’s standard Certificate Account rates for those terms are 2.20% APY, 2.90% APY, and 3.20% APY, respectively. The limited-time Pick Your Term promotion offers 4.25% APY for an eligible 12-month certificate.

Certificate Accounts and IRA Certificates require a minimum opening deposit of $1,000. Special Certificate Accounts require $25,000, and HSA Certificates require $500. Promotional certificates that automatically renew will earn the applicable standard rate. Rates are fixed for the full certificate term.

Log in to Digital Banking to open a Certificate, or contact us at 800.873.5100 or serviceplus@ithinkfi.org, or visit your local branch.

Certificate Rates

Your Credit Union makes it easy to grow your savings with a variety of certificate options. The minimum opening deposit is $1,000 unless otherwise noted.

 

Certificate Accounts – Minimum Investment $1,000

Certificate TermsDividend RateAPY*
3 Month Certificate4.16%4.25%
6 Month Certificate4.16%4.25%
9 Month Certificate4.16%4.25%
12 Month Certificate4.16%4.25%
24 Month Certificate2.37%2.40%
31 Month Certificate3.68%3.75%
36 Month Certificate2.86%2.90%
48 Month Certificate3.10%3.15%
60 Month Certificate3.15%3.20%
84 Month Certificate3.25%3.30%

IRA Certificates – Minimum Investment $1,000

Certificate TermsDividend RateAPY*
3 Month Traditional/Roth Certificate4.16%4.25%
6 Month Traditional/Roth Certificate4.16%4.25%
9 Month Traditional/Roth Certificate4.16%4.25%
12 Month Traditional/Roth Certificate4.16%4.25%
24 Month Traditional/Roth Certificate2.37%2.40%
31 Month Traditional/Roth Certificate3.68%3.75%
36 Month Traditional/Roth Certificate2.86%2.90%
48 Month Traditional/Roth Certificate3.10%3.15%
60 Month Traditional/Roth Certificate3.15%3.20%
84 Month Traditional/Roth Certificate3.25%3.30%
12 Month Educational Certificate2.17%2.20%
60 Month Educational Certificate3.15%3.20%

Special Certificate Accounts – Minimum Investment $25,000

Certificate TermsDividend RateAPY*
3 Month Certificate4.16%4.25%
6 Month Certificate4.16%4.25%
9 Month Certificate4.16%4.25%
12 Month Certificate4.16%4.25%
24 Month Certificate2.47%2.50%
31 Month Certificate3.68%3.75%
36 Month Certificate2.96%3.00%
48 Month Certificate3.20%3.25%
60 Month Certificate3.25%3.30%
84 Month Certificate3.34%3.40%

Health Savings Account (HSA) Certificate – Minimum Investment $500

Certificate TermsDividend RateAPY*
HSA 6 Month Certificate2.03%2.05%

 

 

How to Open a New Certificate

How to Open a New Certificate in the Digital Banking App

  1. Log in to our Digital Banking App.
  2. Once you log in, you will be on the Accounts screen. Scroll to the bottom of the screen and select Open New Account.
  3. On the Select Membership screen, choose your individual membership.
  4. Browse the available account options and select the Certificate you would like to open.
  5. Select Continue.
  6. Review and agree to the Terms and Conditions.
  7. Follow the remaining prompts to fund your Certificate and complete the account-opening process.


How to Open a New Certificate in Digital Banking

  1. Log in to Digital Banking.
  2. Once you log in, click on the slider menu and select Open New Account.
  3. On the Select Membership screen, choose your individual membership.
  4. Browse the available account options and select the Certificate you would like to open.
  5. Select Continue.
  6. Review and agree to the Terms and Conditions.
  7. Follow the remaining prompts to fund your Certificate and complete the account-opening process.

Rates are subject to change. Fees may reduce earnings. See the applicable account disclosure for complete terms and conditions.

Frequently Asked Questions

Learn more about opening and managing an iTHINK Financial Certificate Account.

What is an iTHINK Financial Certificate Account?

An iTHINK Financial Certificate Account is a savings account that earns a fixed dividend rate for a selected term. In exchange for keeping your money on deposit until maturity, you may earn a higher rate than with a regular savings account. Early withdrawal penalties may apply.

How do I open a Certificate Account?

You can open a Certificate Account through Digital Banking or at an iTHINK Financial branch. In Digital Banking, select Open New Account, choose a Certificate Account and follow the prompts. You will need funds to make your opening deposit.

What is the minimum deposit for an iTHINK Financial Certificate Account?

Certificate Accounts and IRA Certificates require a minimum opening deposit of $1,000. Special Certificate Accounts require a minimum opening deposit of $25,000. Health Savings Account Certificate Accounts require a minimum opening deposit of $500.

Can I withdraw money from my Certificate Account before maturity?

Yes, but an early withdrawal penalty may apply if you withdraw funds before the Certificate Account matures. The penalty depends on the Certificate Account term and is described in the applicable account disclosure. Contact iTHINK Financial before making an early withdrawal.

What happens when my Certificate Account matures?

At maturity, you may renew your Certificate Account, choose a different term or withdraw your funds, subject to the terms of your account. If no instructions are provided, your Certificate Account may renew automatically. Review your maturity notice or contact iTHINK Financial for details about your options.

Are iTHINK Financial Certificate Accounts federally insured?

Yes. Funds in iTHINK Financial Certificate Accounts are federally insured by the National Credit Union Administration, a federal agency. IRA Certificate Accounts may have additional tax considerations. For information about your account, contact iTHINK Financial or consult a qualified tax advisor.

*APY=Annual Percentage Yield. Early withdrawal penalties may apply to certificates and IRA certificate accounts.

Rate Effective Date: October 1, 2026, subject to change

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