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Student Checking

Student Checking Account

The Ideal Student Checking Account is designed to meet the unique needs of high school and college students by providing cost-savings and 24/7 digital banking access.

Student Checking Benefits

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Check out other Ideal CU Student Products

Student Savers CD

The Ideal CU Student Savers CD earns high school students a high rate of 2.43% APY (Annual Percentage Yield). The Student Savers CD is available only for members age 14-17.

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Credit Builder Loan

Ideal Student Credit Union offers a special loan for those looking to establish credit and build a solid financial foundation. A sound credit record can help in applying for jobs, house or apartment rentals, credit cards, auto and other loans, and much more later in life.

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Ideal Student Banking

Check out our Ideal Student Blog

How To Write

How To Write "Thank You" Cards

Paige M. Ideal Student Credit Union
Here are some helpful tips for when you write “thank you” cards: Typically after the ceremony, gift and/or celebration, rule of thumb is to send out the cards within two week. That will allow you enough time to write all of them Personalize your thank you cards rather than writing the same message o...
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Financial Literacy Month - April

Financial Literacy Month - April

Ethan H. Ideal Student Credit Union
April is Financial Literacy Month, and a great time to think about some important lessons everyone can learn about finances. Whether you’re a parent looking to make talking money with your kids easier or a professional looking for a few tips, there’s always something to learn. Here are some fun acti...
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Ways to Save for College

Ways to Save for College

Paige M. Ideal Student Credit Union
Apply for scholarships. While they don’t always cover your entire tuition, they can help alleviate the overall expense. Scholarships can also decrease the amount of student loans you have to apply for. Start saving now. It’s never too soon to start saving for college. Student savings accounts and CD...
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The School Counselor - An Underrated Resource

The School Counselor - An Underrated Resource

Paige M. Ideal Student Credit Union
Counselors can serve as a useful backup to the classroom teachers, and can help advise the teaching staff on behavioral, emotional and psychological issues unique to you. Here are some of the reasons why your school counselors may be valuable. Helps with individual development Adjusting to a new sch...
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College Visits

College Visits

Ethan H. Ideal Student Credit Union
We recommend you touring some of your favorite campuses to explore the environment and what fits your needs. Read along to learn how you can tour a college campus. Get help from the school Many schools offer discounted lunches, hotel stays, free shuttle service or even free airfare. Blog.collegegree...
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How You Can Make New Year's Resolutions That Stick

How You Can Make New Year's Resolutions That Stick

Paige M. Ideal Student Credit Union
Make it S.M.A.R.T. Specific. Don’t be vague about how you want to improve. Resolutions like “Try to be a kinder person,” don’t translate into tangible steps. Instead, make goals like “Do one random act of kindness each day.” This way, your resolutions are clear and easy to put into action. Meas...
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Holiday Shopping Hacks

Holiday Shopping Hacks

Ethan H. Ideal Student Credit Union
When you start shopping, stick to the list and check price ranges for each person before buying that cute but expensive sweater for your best friend. Resist the urge to grab a gift that is outside your budget. Remember, your friends understand you don’t have a fortune to spend, and it’s the meaningf...
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Applying for FAFSA

Applying for FAFSA

Paige M. Ideal Student Credit Union
Who is eligible for FAFSA? To qualify for FAFSA, you must meet the following criteria: Demonstrate financial need. Be a U.S. citizen or an eligible noncitizen. Have a valid Social Security number (unless you are from the Republic of the Marshall Islands, Federated States of Micronesia or t...
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Smartphone Devotees

Smartphone Devotees

Ethan H. Ideal Student Credit Union
Smartphones are the ultimate oxymoron. They were created to help us multitask and save time, but we waste hours upon hours on them every day. They help us stay connected, but we’re more lonely and disconnected than ever. So, are you brave enough to break out of the smart phone habits? Check out some...
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The Importance of Role Models

The Importance of Role Models

Paige M. Ideal Student Credit Union
Ask yourself who your personal heroes are, then take interest with books and articles and opportunities to see your heroes speak, play or perform. Having role models not only delivers inspiration and motivation, but can also give you concrete information on how to achieve similar levels of success. ...
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Music Apps

Music Apps

Ethan H. Ideal Student Credit Union
If you’re like most people embracing the convenience of the digital age, you probably use a music-streaming service to have all your tunes at your fingertips. Here’s what you need to know about the two most popular music apps: Spotify Spotify was the first service of its kind, and is still the most ...
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Online Shopping Smarts

Online Shopping Smarts

Paige M. Ideal Student Credit Union
What could be better than shopping from the comfort of your living room couch? No crowded malls, no long lines, no harried sales staff – it’s the ultimate in convenience! Except when it’s just a click here, another there and – whoops! – you’re looking at a huge bill! Or you wait for a product and it...
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Make Your Own Halloween Costume

Make Your Own Halloween Costume

Ethan H. Ideal Student Credit Union
Dig through your sibling or parent's old wardrobe and the boxes of dated clothing you’ve got stashed in your attic. Borrow some eclectic jewelry and fun accessories from Grandma, or pick some up for cheap at a dollar store. You can also get creative by checking out YouTube for some adorable and effo...
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Learning To Balance Academics And A Social Life

Learning To Balance Academics And A Social Life

Paige M. Ideal Student Credit Union
Here’s how: 1. Choose your friends wisely The people you hang out with are going to influence your study habits. During the getting-to-know-you stage, try to find students who share goals that are similar to yours. This way, you won’t be swayed to skip a study session for an all-night bash. Also, wh...
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How to Build Your Resume

How to Build Your Resume

Ethan H. Ideal Student Credit Union
When starting out, don’t be intimidated. No one expects a student resume to contain long lists of accomplishments. Instead it should convey your interests, goals and potential — all within one page. Use short, declarative phrases and action verbs instead of full sentences and try to keep the tone po...
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The Hidden Danger of Borrowing a Stranger's Phone Charger

The Hidden Danger of Borrowing a Stranger's Phone Charger

Paige M. Ideal Student Credit Union
In one last desperate move, you search through your bag for the charging cable you always keep there – and then you remember you lent it to your friend and never got it back. What to do? And then, like an angel, a stranger appears out of nowhere with a friendly smile on their face. They’re holding a...
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Student Checking: $50 minimum opening deposit. Parent/guardian must be on account if student is under 18. At age 25, the account will automatically switch to an Ideal Free Checking Account.

*Actual availability based on when Ideal CU receives funds.

**Ideal CU withdrawal charges may still apply.