Ideal Rates
Ideal Credit Union is dedicated to helping you make the most of your hard-earned money. As a not-for-profit financial institution, we understand the value of your finances and strive to provide competitive deposit and loan rates that work in your favor. Whether you're looking for credit cards, loans or seeking higher returns on your checking and savings accounts, Ideal CU is here to assist you in achieving your financial goals.
Our commitment to our members' financial well-being means you can count on better rates and fewer fees. For a detailed breakdown of our current rates, simply click on the links in the sidebar and explore the options that best suit your needs. Your financial success is our priority.
Discover our extraordinary deposit special rates at Ideal Credit Union, these are designed to help your savings grow faster. Take a look and see how your money can do more for you!
Certificate Special
New Certificate Specials
Ideal CU is offering certificate specials on New Money Certificate Deposits. Grow your money faster and continue living your ideal life.
For existing members to qualify for the certificate specials, they must deposit a minimum of $500 from another financial institution to fund the certificate. All CD Specials will either roll into a standard term certificate or transfer to savings.
13-Month New Money Certificate Special
| Minimum Opening Balance | Term | Interest Rate |
APY*
|
|---|---|---|---|
| $500 + | 13 Months | 4.31% | 4.40% |
|
*APY = Annual Percentage Yield. The Annual Percentage Yield assumes interest remains on deposit until maturity. Rates subject to change at any time. Open with a minimum of $500 from sources outside of Ideal. If combining with existing funds deposited at Ideal, a minimum of $10,000 in additional new money is required. 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. Certificate Special is available as a traditional or IRA CD. 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 CDs
Regular & IRA Certificate Rates
| Term2 | $500.00 - $24,999.99 | $25,000.00 - $69,999.99 | $70,000.00 + |
|---|---|---|---|
| 3 Month | 4.00% APY1 | 4.00% APY1 | 4.00% APY1 |
| 6 Month | 4.00% APY1 | 4.00% APY1 | 4.00% APY1 |
| 12 Month | 4.00% APY1 | 4.00% APY1 | 4.00% APY1 |
| 18 Month | 3.40% APY1 | 3.40% APY1 | 3.40% APY1 |
| 24 Month | 3.40% APY1 | 3.40% APY1 | 3.40% APY1 |
| 30 Month | 3.40% APY1 | 3.40% APY1 | 3.40% APY1 |
| 36 Month | 3.40% APY1 | 3.40% APY1 | 3.40% APY1 |
| 48 Month | 3.40% APY1 | 3.40% APY1 | 3.40% APY1 |
| 60 Month | 3.40% APY1 | 3.40% APY1 | 3.40% APY1 |
| 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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Savers CD
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 | 1.15% | 1.16% |
| $100 | 12 Month | 1.54% | 1.56% |
| $100 | 18 Month | 2.70% | 2.74% |
| $100 | 24 Month | 2.70% | 2.74% |
| $100 | 30 Month | 2.70% | 2.74% |
| $100 | 36 Month | 2.70% | 2.74% |
| $100 | 48 Month | 2.70% | 2.74% |
| $100 | 60 Month | 2.70% | 2.74% |
| 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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