Relationship Checking

A personal checking account that earns you tiered interest

Relationship Checking benefits

We've got you covered

  • Earn interest on the balances you keep in your account (view rates)
  • Ideal Debit MasterCard® , Digital Banking and full access to Ideal's Mobile App with Mobile Check Deposit, bill pay services and more
  • Access to a huge ATM Network
  • A monthly chance to win $1,000 when you use your Ideal Debit Card for everyday purchases (Learn more)

Open an account

Relationship Checking rates

Rates as of:
Interest TiersInterest RateAPY1
$0 - $1,999.990.00%0.00%
$2,000 - $9,999.990.05%0.05%
$10,000 - $19,999.990.05%0.05%
$20,000 - $49,999.990.05%0.05%
$50,000+0.15%0.15%
  1. Annual Percentage Yields (APYs) are subject to change.

Relationship Checking pricing and account information

Minimum opening deposit

  • $50

Monthly service fee

  • $12 OR
  • No fee with $750+ direct deposit or $10,000 in combined balances in savings, checking, loans, credit card.

Other fees and information

See Ideal Credit Union's Fee Schedule (PDF). For more detailed information about Ideal Credit Union Deposit Accounts, see Ideal CU Member Account Agreement (PDF).

Open a checking account

Checking benefits

2018 - 19 Holiday Hours

Christmas Eve (2018)
Monday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day (2018)
Tuesday, December 25th
All locations closed.


New Year's Eve (2018)
Monday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day (2019)
Tuesday, January 1st
All locations closed



Martin Luther King Jr Day
Monday, January 21st
All locations closed.


Presidents' Day
Monday, February 18th
All locations closed.


Good Friday
Friday, April 19th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 27th
All locations closed.


Independence Day
Thursday, July 4th
All locations closed.


Labor Day
Monday, September 2nd
All locations closed.


Columbus Day
Monday, October 14th
All locations closed.


Veterans Day
Monday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 28th
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.