Loan & Deposit Rates
- Vehicle
- Recreational Vehicles
- Mortgage
- Home Equity
- Credit Card
- Savings & Money Market
- Certificates
- Checking Accounts
- Business Rates
Vehicle
Auto Loan Rates
| 2017 and newer** | APR as low as* |
|---|---|
| Up to 24 months | 2.54% |
| Up to 36 months | 2.79% |
| Up to 48 months | 2.89% |
| Up to 60 months | 3.09% |
| Up to 72 months | 3.49% |
| Up to 84 months (must be 2018 or newer**) | 4.29% |
| 2015 - 2016 | APR as low as* |
| Up to 24 months | 2.99% |
| Up to 36 months | 3.09% |
| Up to 48 months | 3.19% |
| Up to 60 months | 3.39% |
| Up to 72 months | 3.79% |
| 2011 - 2014** | APR as low as* |
| Up to 24 months | 4.34% |
| Up to 36 months | 4.59% |
| Up to 48 months | 4.84% |
| Up to 60 months | 5.09% |
| 2010 and older** | |
| Priced at Untitled Units plus 0.80%. Up to 48 months. | |
| *APR is Annual Percentage Rate. Quoted APR is best available rate for model years 2017 and newer for a 24 month term; rate may be higher depending on factors such as credit history, repayment term selected, amount financed and mileage of vehicle. Slightly higher rates are available for terms to 84 months. Example of payment, pay $42.78 per month per $1,000 borrowed for 24 months at 2.54% APR. Rates are subject to change at any time. **Actual rates based on applicant's payment and credit history. To be eligible for an 84 month term, vehicle must be 2017 or newer and minimum loan amount must be $30,000. LTV restrictions may apply. |
|
Recreational Vehicles
Recreational Vehicle Rates
Boats, RV's*, Travel Trailers, Motorcycles†
Boats, RV's^, Travel Trailers, Motorcycles† Titled Units
| Amount | Term | APR* as low as |
|---|---|---|
| Up to $5,000** | Up to 36 months | 3.99% |
| $5,000 and up** | Up to 48 months | 4.09% |
| $5,000 and up** | Up to 60 months | 4.29% |
| $20,000 and up** | Up to 84 months | 4.79% |
| $30,000 and up** | Up to 10 years | 5.29% |
| $30,000 and up** | Up to 15 years | 5.54% |
|
*APR = Annual Percentage Rate. |
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ATV's, UTV's, Snowmobiles, Personal Watercrafts
ATV's, UTV's, Snowmobiles, Personal Watercrafts Untitled Units
| Amount | Term | APR* as low as |
|---|---|---|
| Up to $5,000** | Up to 36 months | 5.29% |
| $5,000 and up** | Up to 48 months | 5.39% |
| $15,000 and up** | Up to 60 months | 5.59% |
| *APR = Annual Percentage Rate **Actual rate based on applicant's payment and credit history. Example of Payment Terms: Rec vehicle loan with 5.59% APR over a 60-month term would make a monthly payment of $19.15 per $1,000 borrowed. |
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Home Equity
Home Equity Rates
| Home Equity Type | Term | APR*** | |
|---|---|---|---|
| Home Equity Installmentº* (up to 90% property value)1 |
Up to 15 years | 3.99% - 6.50% | |
| Home Equity Line of Credit+ |
Up to 25 years.10-year draw period and up to 15-year repayment period. | 4.00% - 12.00% (variable rate) | |
| No Equity Home Improvement Loanoo | Up to 60 months | 7.50% | |
|
1. Some housing exceptions may apply. oPayment example: On a $20,000.00 loan with a 5 year term up to 90% property value at 3.99% APR, monthly payments would be $368.25. Closing costs range from $500 to $2,000. Maximum loan amount is $350,000. ooMaximum loan amount is $25,000. A minimum credit score of 680 is required to obtain this loan. Offer is subject to normal credit qualifications. Payment Example: On a No Equity Home Improvement Loan with a term of 5 years at 7.50%APR, monthly payments would be $500.95. *Actual rate based on applicant's payment and credit history. Additional appraisal fee may apply should one be needed. +Minimum Annual Percentage Rate (APR) Floor of 4%. Maximum APR is 12%. APR calculation is subject to change monthly and is based on the Prime Rate as published in the Wall Street Journal. Required payments are calculated at 1% of the outstanding balance. Maximum loan amount is $350,000 with a 10-year draw period and up to 15-year repayment period. Minimum credit score of 660 is required. Properties must be owner-occupied. Eligible property types include SFD and Townhomes (up to 90%), and condos (up to 80%); Not eligible for multi-family properties. Some housing exceptions apply. Closing costs range from $500 to $2,000. Maximum loan amount is $350,000. ***APR= Annual Percentage Rate. |
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Credit Card
Credit Card Rates
| Card type | APR* |
|---|---|
|
Visa Blue Rewards |
Variable 9.15% - 17.15%1 |
| Visa Gold | Fixed 9.90% - 15.90%2 |
|
*Annual Percentage Rate 1. Ideal CU Blue Rewards Variable APR (Annual Percentage Rate) ranges from 9.15% - 17.15% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Transaction fees for balance transfer and convenience checks are 2% of the amount of each transfer not to exceed $75.00 (Minimum $10) and Cash Advance fees are 2% of each advance (Minimum $10.00). Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35. 2. Ideal CU Gold fixed APR (Annual Percentage Rate) ranges from 9.90% - 15.90% dependent on creditworthiness. No annual fee. Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35. |
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Savings & Money Market
Share Savings Rate
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 | 0.05% | 0.05%o |
|
*APY = Annual Percentage Yield. Rates subject to change at any time. oInterest rates adjusted and paid monthly. Rates subject to change. |
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High Yield Money Market Rates
| Balance1 | Interest Rate | APY* |
|---|---|---|
| $0 - $24,999.99 | 0.25% | 0.25%o |
| $25,000 - $99,999.99 | 0.30% | 0.30%o |
| $100,000 - $249,999.99 | 0.35% | 0.35%o |
| $250,000+ | 0.50% | 0.50%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. |
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Premium Money Market Rates
| Balance1 | Interest Rate | APY* |
|---|---|---|
| $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. |
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Certificates
Savers Certificate Rates
A key benefit of the Savers CD is that you are able to make additional deposits during the term of the certificate.
| Minimum Opening Balance | Term2 | Interest Rate | APY1 |
|---|---|---|---|
| $100 | 6 Month | 0.10% | 0.10% |
| $100 | 12 Month | 0.15% | 0.15% |
| $100 | 18 Month | 0.40% | 0.40% |
| $100 | 24 Month | 0.40% | 0.40% |
| $100 | 30 Month | 0.50% | 0.50% |
| $100 | 36 Month | 0.55% | 0.55% |
| $100 | 48 Month | 0.80% | 0.80% |
| $100 | 60 Month | 0.85% | 0.85% |
|
1. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Rates subject to change at any time. A withdrawal will reduce earnings. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). Interest is compounded and credited on a monthly basis. 2. Penalty for early withdrawal. CDs with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned/CD with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. Fees may reduce earnings. |
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Regular / IRA Certificate Rates
| Term2 | $500.00 - $24,999.99 | $25,000.00 - $69,999.99 | $70,000.00 + |
|---|---|---|---|
| 91 Day | 0.10% APY1 | 0.15% APY1 | 0.20% APY1 |
| 6 Month | 0.20% APY1 | 0.25% APY1 | 0.30% APY1 |
| 12 Month | 0.30% APY1 | 0.35% APY1 | 0.40% APY1 |
| 18 Month | 0.45% APY1 | 0.50% APY1 | 0.55% APY1 |
| 24 Month | 0.45% APY1 | 0.50% APY1 | 0.55% APY1 |
| 30 Month | 0.55% APY1 | 0.60% APY1 | 0.65% APY1 |
| 36 Month | 0.85% APY1 | 0.90% APY1 | 0.95% APY1 |
| 48 Month | 1.00% APY1 | 1.06% APY1 | 1.11% APY1 |
| 60 Month | 1.06% APY1 | 1.11% APY1 | 1.16% APY1 |
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1. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Rates subject to change at any time. A withdrawal will reduce earnings. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). Interest is compounded and credited on a monthly basis. 2. Penalty for early withdrawal. CDs with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned/CD with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. Fees may reduce earnings. |
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Checking Accounts
Relationship Checking Rates
Relationship Checking Rates1
| Balance | Dividend Rate | APY* |
|---|---|---|
| $2,000.00 - $49,999.99 | 0.05% | 0.05% |
| $50,000.00+ | 0.05% | 0.05% |
High Yield Checking Rates2
| Balance | Interest Rate | APY* |
|---|---|---|
| Non-Qualified | 0.05% | 0.05% |
| $0 - $20,000.01+ | 1.98% | 2.00% |
| $20,000.01+ | 0.05% | 0.05% |
*APY is Annual Percentage Yield.
1. On Relationship Checking: Minimum of $750 Direct Deposit or $10,000 in combined balances in Ideal CU Savings, Checking, Loans, Visa and/or Mortgage required in Relationship Checking to avoid $12 monthly service fee.
2. On High Yield Checking: *APY is Annual Percentage Yield. Minimum $50 deposit required to open account. Required monthly criteria to earn 2.00% APY includes: 1.) Have a minimum qualified $750 direct deposit of salary, pension, Social Security or other regular income electronically deposited through the Automated Clearing House (ACH) network to this checking account by employer or an outside agency. 2.) Conduct a minimum of 20 debit card purchase transactions made in good faith, initiated and cleared within a given statement cycle (minimum $3.00 per purchase). 3.) Be enrolled in eStatements. Rates subject to change at any time. Limit one account per Social Security Number. Accounts closed within 6 months of opening incur a $25.00 fee.
Business Rates
Business High Yield Money Market
Business High Yield Money Market1
Minimum opening balance: $25,000.00.
| Balance | Interest Rate |
APY*
|
|---|---|---|
| $0 - $24,999.99 | 0.25% | 0.25% |
| $25,000.00 - $99,999.99 | 0.30% | 0.30% |
| $100,000.00 - $249,999.99 | 0.35% | 0.35% |
| $250,000+ | 0.50% | 0.50% |
| 1. $25,000 minimum opening balance. $15 charge for balances below $25,000 during the month. *APY = Annual Percentage Yield. Rates subject to change at any time. |
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Business Checking Rates
Optimum Business Checking2 Rates
| Balance | Interest Rate |
APY*
|
|---|---|---|
| $0 - $49,999.99 | 0.05% | 0.05% |
| $50,000 - 99,999.99 | 0.05% | 0.05% |
| $100,000.00 + | 0.05% | 0.05% |
| 2. $2,500 minimum balance on Optimum Business Checking to avoid $12 monthly service fee. Interest rates determined monthly by the Board of Directors. *APY = Annual Percentage Yield. Rates subject to change at any time. |
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Simply Business Checking3 Rates
| Balance | Interest Rate |
APY*
|
|---|---|---|
| N/A | 0.05% | 0.05% |
|
3. $750 minimum balance required on Simply Business Checking to avoid $7.50 monthly service fee. Interest rates determined monthly by the Board of Directors. |
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