Skip to Content Skip to Sitemap
Tax Statements are now available! All Members can retrieve their 2016 tax statements in Online Banking by selecting the "All Services" menu and clicking on "Tax Information" and in Mobile Banking by selecting "Taxes." Learn more about your tax statement here.
Presidents' Day Closure: We will be closed in observance of Presidents' Day on Monday, February 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: 5/10/2016
Account Balance**Tier Dividend RateAPY*
$0.00 – $2,499.990.01%0.01%
$2,500.00 – $4,999.990.05%0.01% – 0.03%
$5,000 – Unlimited0.10%0.03% – 0.07%
Certain Saver Account***
Rates Effective:
Account Balance** Tier Dividend RateAPY*
$0.00 – Unlimited0.10%0.10%
Savings Plus Account***
Rates Effective:
Account Balance** Tier Dividend RateAPY*
$0.00 – $500.000.01%0.01%
$500.01 – $2,499.990.05%0.01% – 0.04%
$2,500.00 – $4,999.990.05%0.04% – 0.05%
$5,000 – Unlimited0.10%0.05% – 0.07%

Checking Account Rates

Regular Checking Account – Minimum Investment $25
Rates Effective:
Checking Account TypeDividend RateAPY*
Regular Checking0.00%0.00%
Business Checking Account – Minimum Investment $50
Rates Effective:
Checking Account TypeDividend RateAPY*
Business Checking0.00%0.00%
Grand Checking Account – Minimum Investment $1000
Rates Effective:
Checking Account TypeDividend RateAPY*
Grand Checking0.05%0.05%
Checking Plus Account***
Rates Effective:
Account BalanceDividend RateAPY*
$0.00 – $500.000.01%0.01%
$500.01 – Unlimited0.05%0.01% – 0.03%

Money Market Account Rates

Money Market Max Account – Minimum Investment $500 & Money Market Account***
Rates Effective:
Account BalanceTier Dividend RateAPY*
$0.00 – $9,999.990.15%0.15%
$10,000.00 – $24,999.990.20%0.20%
$25,000.00 – $49,999.990.25%0.25%
$50,000.00 – $99,999.990.30%0.30%
$100,000.00 – Unlimited0.35%0.35%
Health Savings Account** – Minimum Investment $100
Rates Effective:
Account BalanceTier Dividend RateAPY*
$0.00 – $9,999.990.15%0.15%
$10,000.00 – Unlimited0.20% 

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/Educational0.55%0.55%
24 Month Roth/Traditional/Educational0.65%0.65%
36 Month Roth/Traditional/Educational0.85%0.85%
48 Month Roth/Traditional/Educational 1.10%1.11%
60 Month Roth/Traditional/Educational (Promotional offer – maximum deposit $250,000)2.23%2.25%
12 Month Variable/Traditional***0.35%0.35%

Certificate Account Rates

Certificate Accounts – Minimum Investment $1,000
Rates Effective:
Certificate TermsDividend RateAPY*
3 Month Certificate0.30%0.30%
6 Month Certificate0.45%0.45%
12 Month Certificate0.55%0.55%
24 Month Certificate0.65%0.65%
36 Month Certificate0.85%0.85%
48 Month Certificate1.10%1.11%
60 Month Certificate (Promotional offer – maximum deposit $250,000)2.23%2.25%
84 Month Certificate2.20%2.22%
Variable Choice Certificate***0.10%0.10%
Health Savings Account (HSA) Certificates – Minimum Investment $500
Rates Effective:
Certificate TermsDividend RateAPY*
HSA 6 Month Certificate0.45%0.45%

Special Certificates for Diamond and Platinum Rewards Members

Special Certificate Accounts – Minimum Investment $25,000
Rates Effective:
Certificate TermsDividend RateAPY*
6 Month Certificate0.50%0.50%
12 Month Certificate0.60%0.60%
24 Month Certificate0.70%0.70%
36 Month Certificate0.90%0.90%
48 Month Certificate1.15%1.16%
60 Month Certificate (Promotional offer – maximum deposit $250,000)2.23%2.25%

Effective date: 

*APY=Annual Percentage Yield

**Tiered Accounts: Only Savings (Share), Savings Plus, Checking Plus, and 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. Money Market accounts have been discontinued as of 4/1/16. 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

Event Icon

IBMSECU closed for Presidents' Day on Feb 20

Learn More
Event Icon

Live Homebuyer Webinar on Mar 14

Learn More
Event Icon

Financial Planning Webinar on Mar 15

Learn More
Scroll to Top