High Yield Checking
Earn 4.00% 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 4.00% APY.*
To qualify for the 4.00% APY on balances up to $20,000, simply:
- 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 with Ideal CU Rewards.
- 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.
- 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 Gold and Platinum Debit Cards that let you enjoy benefits and rewards normally associated with premium credit cards.
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High Yield Checking Rates
Rates as of:
| Balance | Interest Rate | APY* |
|---|---|---|
| Non-Qualified | 0.05% | 0.05% |
| $0 - $20,000.00 | 3.93% | 4.00% |
| $20,000.01+ Balances $0 - $20,000.00 will earn 4.00 % APY if all requirements continue to be met. Only amounts $20,000.01 and over will earn 0.05% APY. |
0.05% | 0.05% |
|
*APY = Annual Percentage Yield. Rates subject to change at any time. |
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