Saving money is always smart, and Ideal CU offers a complete array of smart ways to save.

Learn more about our savings accounts

 Share & Reserve SavingsPremium Money MarketCDsIRA Accounts
Open an account todayOpenOpen  
Minimum Opening Deposit$1$1,000$100$1
Low Balance FeePay no fee with a balance > $200 or have a Ideal CU Checking account, Loan or Direct Deposit.
Otherwise, $5
Pay no fee with a balance > $1000
Otherwise, $10
N/A N/A
Non-Participation Fee$5 Monthly fee for Share Savings
< $200 and no activity1
N/AN/AN/A
Earns Interest/Dividends2

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Additional Deposits PermittedYesYesSavers Certificates OnlyYes3
Direct Deposit AvailableYesN/AN/AYes
ATM Access4FREE Ideal CU ATMs or $3 for
non-Ideal ATM transactions
Find ATMs here
N/AN/AN/A
Statement CycleQuarterlyQuarterlyEnd of termMonthly
Free eStatements, Online & Mobile BankingYesYesYesYes
Penalty for early withdrawalN/AN/AYesYes
Other BenefitsYouth savings. Bucky Bear Club for kids 12 and underAccess to funds via checksOpen with as little as $100No management fees

1 Fee is waived for members age 24 and younger. 2Annual Percentage Yields (APYs) are subject to change. 3 Subject to IRS Regulations  4 Does not include other ATM Owner fees i.e. surcharge fees.