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IBMSECU is moving to iTHINK Financial! IBMSECU will have a new name, iTHINK Financial, as of Monday, March 2, 2020. Click here for more information.
Martin Luther King, Jr. Day Closure: We will be closed in observance of Martin Luther King, Jr. Day on Monday, January 20. View our holiday closure schedule.
Rates

Share Account Rates

Savings Account Rates

Membership Savings Account – Minimum Investment $5 & Membership Top Teen Minimum Investment – $150
Rates Effective: 1/1/2018
Account BalanceDividend RateAPY*
$0.00 – unlimited0.10%0.10%
Certain Saver Account***
Rates Effective:
Account Balance** Dividend RateAPY*
$0.00 – unlimited0.10%0.10%
Savings Plus Account*** (discontinued)
Rates Effective:
Account Balance Dividend RateAPY*
$0 – unlimited0.10%0.10%

Checking Account Rates

myChoice Checking Account
Rates Effective:
Account BalanceDividend RateAPY*
$0.00 - $3,0002.96%3.00%
$3001.00 - unlimited0.05%0.05%
myDefense Checking Account – Opening Deposit $25
Rates Effective:
Checking Account TypeDividend RateAPY*
myDefense Checking0.00%0.00%
myWallet Checking Account – No Opening Deposit Required
Rates Effective:
Checking Account TypeDividend RateAPY*
myWallet Checking0.00%0.00%
Grand Checking Account – Minimum Investment $1000
Rates Effective:
Checking Account TypeDividend RateAPY*
Grand Checking0.05%0.05%
Checking Plus Account*** (discontinued)
Rates Effective:
Account BalanceDividend RateAPY*
$0.00 – unlimited0.05%0.05%

Money Market Account Rates

Money Market Max Account** – Minimum Investment $500 & Money Market Account***
Rates Effective:
Account BalanceTier Dividend RateAPY*
$0.00 – $9,999.990.45%0.45%
$10,000.00 – $24,999.990.55%0.55%
$25,000.00 – $49,999.990.60%0.60%
$50,000.00 – $99,999.990.65%0.65%
$100,000.00 – unlimited0.80%0.80%
Health Savings Account** – Minimum Investment $100
Rates Effective:
Account BalanceTier Dividend RateAPY*
$0.00 – $9,999.990.45%0.45%
$10,000.00 – unlimited0.55%0.55%

IRA Rates

IRA Investment Account – Minimum Investment $100
Rates Effective:
Account Type Dividend RateAPY*
Traditional Share Accounts0.10%0.10%
Roth/Education Share Accounts0.10%0.10%
IRA Certificates – Minimum Investment $1,000
Rates Effective:
Certificate TermsDividend RateAPY*
12 Month Roth/Traditional/Educational1.50%1.51%
24 Month Roth/Traditional/Educational (Promotional offer – maximum deposit $250,000) 1.98%2.00%
36 Month Roth/Traditional/Educational 1.85%1.87%
48 Month Roth/Traditional/Educational1.90%1.92%
60 Month Roth/Traditional/Educational2.00%2.02%
12 Month Variable/Traditional***0.80%0.80%

Certificate Account Rates

Certificate Accounts – Minimum Investment $1,000
Rates Effective:
Certificate TermsDividend RateAPY*
3 Month Certificate0.80%0.80%
6 Month Certificate1.00%1.01%
12 Month Certificate1.50%1.51%
18 Month Certificate1.60%1.61%
24 Month Certificate (Promotional offer – maximum deposit $250,000) 1.98%2.00%
30 Month Certificate1.80%1.82%
36 Month Certificate 1.85%1.87%
48 Month Certificate1.90%1.92%
60 Month Certificate2.00%2.02%
84 Month Certificate2.10%2.12%
Variable Choice Certificate***0.80%0.80%
Health Savings Account (HSA) Certificates – Minimum Investment $500
Rates Effective:
Certificate TermsDividend RateAPY*
HSA 6 Month Certificate1.00%1.01%

Special Certificates for Diamond and Platinum Rewards Members

Special Certificate Accounts – Minimum Investment $25,000
Rates Effective:
Certificate TermsDividend RateAPY*
6 Month Certificate1.10%1.11%
12 Month Certificate1.60%1.61%
24 Month Certificate (Promotional offer – maximum deposit $250,000) 1.98%2.00%
36 Month Certificate 1.95%1.97%
48 Month Certificate2.00%2.02%
60 Month Certificate2.10%2.12%

Business Account Rates

Business Savings Account
Rates Effective:
Account BalanceDividend RateAPY*
$0.00 – unlimited0.60%0.60%
Business Checking Account – Opening Deposit $50
Rates Effective:
Checking Account TypeDividend RateAPY*
Business Checking0.00%0.00%
Business Money Market Account**
Rates Effective:
Account BalanceTier Dividend RateAPY*
$0.00 – $9,999.990.45%0.45%
$10,000.00 - unlimited0.60%0.60%

Effective date: 

*APY=Annual Percentage Yield

**Tiered Accounts: Money Market Max and Business Money Market pay the rate on the total balance in the account. HSA Money Market accounts are true tiered accounts. The dividend rate is paid based on the appropriate dollars in that level.

***Certain Saver accounts, 12-Month Variable/Traditional IRA Certificate accounts, and Variable Choice Certificate accounts have been discontinued as of 1/1/17. Regular Money Market accounts have been discontinued as of 4/1/16; all new Money Market accounts will be opened as Money Market Max accounts. Savings and Checking Plus accounts have been discontinued as of 10/1/11. Posted rates are for existing account holders.

Early withdraw penalties may apply to certificates and IRA certificates accounts.

Events

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BALANCE Webinar: ARE YOU FINANCIALLY HEALTHY? on Jan 23

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Live Homebuyer Webinar on Jan 28

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Business Seminar/Webinar: How to Write a Business Plan on Jan 29

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