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.
Open an Account
Make an Appointment
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. |