High Yield Checking
Earn 2.00% APY* on balances up to $20,000
Ideal Credit Union’s High Yield Checking Account* is all about paying YOU a Great Rate! Enjoy all the convenience of an everyday checking account PLUS earn 2.00% APY.*
- Have a minimum monthly qualified direct deposit of $7501
- Make 20 debit card purchases (minimum $3)2
- Be enrolled in estatements3
There is no minimum balance requirement and there is no monthly maintenance fee. If you do not qualify for the high yield, your account will earn 0.05% APY.
All Ideal Checking Accounts come with:
- An Ideal CU MasterCard® Debit Card plus a monthly chance to win in our $1,000 debit usage giveaway.
- 24/7 access to your account with Ideal Digital Banking and Mobile App. Check balances, transfer funds, pay bills, deposit checks remotely and more!
- Direct Deposit with Early Payday benefits.
- Access to a nationwide surcharge-free* ATM Network.
- Debit Card RoundUp Program that helps you automatically save with every purchase. Learn more
- Optional Overdraft Protection to cover purchases in the event you do not have a positive available balance in your account. Learn more and see disclosures.
- Optional MyRewards™ Debit Cards that let you enjoy benefits and rewards normally associated with premium credit cards.
|$0 - $20,000.00||1.98%||2.00%|
Balances $0 - $20,000.00 will earn 2.00 % APY if all requirements continue to be met. Only amounts $20,000.01 and over will earn 0.05% APY.
*APY = Annual Percentage Yield. Rates subject to change at any time.