Savings Accounts

Personal Accounts

Savings & Money Market

Become a member and start saving today

Ideal Credit Union offers a broad range of savings programs designed to help you meet your unique financial goals. We realize that when it comes to managing your money, you need more than a variety of services, you need solutions.

Compare Accounts

Compare Accounts

Comparison table for regular savings and money market accounts
FeaturesShare SavingsMoney Market
Ideal forMakes you a member of Ideal Credit Union and earns members an attractive monthly dividend.Perfect for members wanting to earn money market rates while maintaining no-penalty access to funds.
Min. Opening Deposit$1$1,000
Low Balance Fee

Pay no fee if you maintain a minimum of $200 in combined savings balances or have a loan and/or checking account.1

Otherwise, $5 per month.

Pay no fee if you maintain a $2,500 monthly average balance.

Otherwise, $10 per month.

Non-Participation Fee$5 per month with less than $200 and no activity for 1 year.1N/A
Earns Dividends/Interest2YesYes
Additional Deposits PermittedYesYes
Direct DepositYesN/A
Online & Mobile BankingFreeFree
Paper Statements & eStatementsFreeFree
ATM Access3YesN/A
Penalty for early withdrawalN/AN/A
Open an AccountOpen OnlineOpen Online

  1. This fee is waived for members age 24 and younger.
  2. Annual Percentage Yields (APY) are subject to change.
  3. Ideal ATMs – Free/Non-Ideal ATMs – $3.50 for each balance inquiry and/or withdrawal.

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2018 Holiday Hours


New Year's Day
Monday, January 1st
All locations closed.


Martin Luther King Jr Day
Monday, January 15th
All locations closed.


Presidents' Day
Monday, February 19th
All locations closed.


Good Friday
Friday, March 30th
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 28th
All locations closed.


Independence Day
Wednesday, July 4th
All locations closed.


Labor Day
Monday, September 3rd
All locations closed.


Columbus Day
Monday, October 8th
All locations closed.


Veterans Day
Monday, November 12th
All locations closed


Thanksgiving Day
Thursday, November 22nd
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
Monday, December 24th
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.


Christmas Day
Tuesday, December 25th
All locations closed.


New Year's Eve
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
Tuesday, January 1st
All locations closed


Looking for more investment & planning options?

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