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Savings and Money Market

Savings and Money Market Accounts

Save more for your ideal future

A savings, money market account or certificate (CD) at Ideal Credit Union can help you grow your money for the things that matter most to you. Earn an attractive monthly dividend with an Ideal CU Share Savings or earn a higher rate with an Ideal CU Money Market or Certificate of Deposit (CD).

Share Savings

A Share Savings Account is required for each member and represents your share (ownership) in the credit union. It also opens the door to all the benefits of Ideal CU membership!

  • $1 minimum opening balance ($5 required when opening online)
  • Earns 0.05% APY*

Open an Account

Premium Money Market

For members who want to earn more on their savings dollars.

  • $2,500 minimum balance1
  • Earn as high as 0.25% APY*
  • No monthly maintenance fee

Open an Account

Premium Money Market Rates

High Yield Money Market

The highest rate available for a money market at Ideal Credit Union.

  • $25,000 minimum balance2
  • Earn as high as 0.70% APY*
  • No monthly maintenance fee

Open an Account

High Yield Money Market Rates

Certificates of Deposit (CDs)

Lock-in a competitive rate to save more for a term that fits your needs.

  • Earn as high at 1.26% APY*
  • Choose from flexible options and terms

See Certificate Options

Get Started

Rates as of:

*APY = Annual Percentage Yield. Rates subject to change at any time.

1. $10 charge for balances below $2,500 during the month. Interest rates adjusted and paid monthly.

2. $10 charge for balances below $25,000 during the month. Interest rates adjusted and paid monthly.

2020 - 21 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 20th
All locations closed.


President's Day
Monday, February 17th
All locations closed.


Good Friday
Friday, April 10th
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 25th
All locations closed.


Independence Day
Saturday, July 4th
All locations closed.


Labor Day
Monday, September 7th
All locations closed.


Columbus Day
Monday, October 12th
All locations closed.


Veterans Day
Wednesday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 26th
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.


Christmas Eve
Thursday, 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
Friday, December 25th
All locations closed.


New Year's Eve
Thursday, 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 (2021)
Friday, January 1st
All locations closed

 

Rates as of:

High Yield Money Market Rates

Balance1Interest RateAPY*
$0 - $24,999.99 0.25% 0.25%o
$25,000 - $99,999.99 0.30% 0.30%o
$100,000 - $249,999.99 0.55% 0.55%o
$250,000+ 0.70% 0.70%o

1. $10 charge for balances below $25,000 during the month.

*APY = Annual Percentage Yield. Rates subject to change at any time.

oInterest rates adjusted and paid monthly.

Premium Money Market Rates

Balance1Interest RateAPY*
$0 - $2,499.99 0.05% 0.05%o
$2,500.00 - $9,999.99 0.05% 0.05%o
$10,000.00 - $19,999.99 0.10% 0.10%o
$20,000.00 - $49,999.99 0.10% 0.10%o
$50,000.00 - $99,999.99 0.10% 0.10%o
$100,000.00 + 0.25% 0.25%o

1. $10 charge for balances below $2,500 during the month.

*APY = Annual Percentage Yield. Rates subject to change at any time.

oInterest rates adjusted and paid monthly. Rates subject to change.