Deposit Specials

Certificate Special Rates

7-Month New Money Certificate Special

Rates as of:
Minimum Opening Balance Term Interest Rate
APY*
$500 + 7 Months 4.98% 5.10%

*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.

19-Month New Money Certificate Special

Rates as of:
Minimum Opening Balance Term Interest Rate
APY*
$500 + 19 Months 4.60% 4.70%

*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.

High Yield Savings

High Yield Savings Rates

Rates as of:
Balance Interest Rate APY*
Non-Qualified 0.00% 0.00%
$25,000 - $99,999.99 3.93% 4.00%
$100,000 - $499,999.99 4.17% 4.25%
$500,000 + 4.41% 4.50%
*APY = Annual Percentage Yield is accurate as of October 10, 2023. Rates subject to change at any time. Interest is compounded and paid monthly. Minimum $25,000 to open account. If balance falls below $25,000, the account will earn 0.00% APY. Interest begins to accrue on the business day you deposit any non-cash item. Fees may reduce earnings.

Money Market

Money Market Special Rates

Rates as of:
Balance1 Interest Rate APY*
$0 - $24,999.99 0.00% 0.00%o
$25,000 + 3.93% 4.00%o
1. $10 charge for balances below $25,000 during the month.
*APY = Annual Percentage Yield. To qualify for promotional rates, existing money market account holders must add a minimum additional $25,000 from sources outside of Ideal CU to the account. Fees may reduce earnings. Rates are guaranteed through March 31, 2024.
oDividends paid monthly.

High Yield Checking

High Yield Checking Rates

Rates as of:
BalanceInterest RateAPY*
Non-Qualified 0.05% 0.05%
$0 - $20,000.00 4.89% 5.00%
$20,000.01+

Balances $0 - $20,000.00 will earn 5.00 % APY if all requirements continue to be met.
Only amounts $20,000.01 and over will earn 0.05% APY.
0.05% 0.05%
*APY = Annual Percentage Yield. Rates subject to change at any time.
Minimum $50 deposit required to open account. Required monthly criteria to earn 5.00% APY includes: 1.) Have a minimum qualified $1,500 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. Accounts closed within 6 months of opening incur a $25.00 fee.