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)
Relationship Checking rates
Rates as of:
| Interest Tiers | Interest Rate | APY1 |
|---|---|---|
| $0 - $1,999.99 | 0.00% | 0.00% |
| $2,000 - $9,999.99 | 0.05% | 0.05% |
| $10,000 - $19,999.99 | 0.05% | 0.05% |
| $20,000 - $49,999.99 | 0.05% | 0.05% |
| $50,000+ | 0.15% | 0.15% |
| ||
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).