Ideal Credit Union

Savings Rates

Savings & Money Market Rates

Share Savings Rate

Rates as of:

Balance	Dividend Rate	APY*
$0.00 +	0.05%	0.05%^o
*APY = Annual Percentage Yield. ^oDividend rates adjusted and paid monthly. Rates subject to change at any time. Above are prospective dividend rates for the current period.

RoundUp Savings Rates

Rates as of:

Balance¹	Interest Rate	APY*
$0 - $2,499.99	4.89%	5.00%
$2,500 - $4,999.99	4.89%	5.00%
$5,000 - $9,999.99	4.89%	5.00%
$10,000.00 +	4.89%	5.00%
1. To qualify for RoundUp Savings premium rates/APYs, member must have an Ideal Credit Union Checking Account and Debit Card, receive eStatements and conduct a minimum of 20 debit card purchase transactions during the monthly qualification period. Must also have a minimum qualified direct deposit of $1,500 salary, pension, Social Security or other regular income electronically deposited through the Automated Clearing House (ACH) network to this account by an employer or outside agency to earn premium rates/APYs. RoundUp Savings occur when the Ideal CU Debit Card transactions are rounded up to an even dollar amount. An additional amount of $1 or $2 can also be added to each transaction and transferred to RoundUp Savings. If the minimum criteria are not met, the account earns 0.05% APY per month. *APY = Annual Percentage Yield. Rates subject to change at any time. Interest rates adjusted and paid monthly.

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 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 Money Market Rates

Balance¹	Interest Rate	APY*
$0 - $24,999.99	1.00%	1.00%^o
$25,000 - $99,999.99	1.05%	1.06%^o
$100,000 - $249,999.99	1.10%	1.11%^o
$250,000 +	1.30%	1.31%^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.

Premium Money Market Rates

Balance¹	Interest Rate	APY*
$0 - $2,499.99	0.05%	0.05%^o
$2,500.00 - $9,999.99	0.30%	0.30%^o
$10,000.00 - $19,999.99	0.30%	0.30%^o
$20,000.00 - $49,999.99	0.30%	0.30%^o
$50,000.00 - $99,999.99	0.30%	0.30%^o
$100,000.00 +	0.30%	0.30%^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.

Rates as of:

IRA High Yield Money Market Rates

Balance¹	Interest Rate	APY*
$0 - $24,999.99	1.00%	1.00%^o
$25,000 - $49,999.99	1.05%	1.06%^o
$50,000 - $99,999.99	1.05%	1.06%^o
$100,000 - $199,999.99	1.10%	1.11%^o
$200,000 +	1.30%	1.31%^o
*APY = Annual Percentage Yield. Rates subject to change at any time. ^oInterest rates adjusted and paid monthly.

IRA Premium Money Market Rates

Balance	Interest Rate	APY*
$0 - $2,499.99	0.05%	0.05%^o
$2,500.00 - $9,999.99	0.30%	0.30%^o
$10,000 - $19,999.99	0.30%	0.30%^o
$20,000 - $49,999.99	0.30%	0.30%^o
$50,000 - $99,999.99	0.30%	0.30%^o
$100,000 +	0.30%	0.30%^o
*APY = Annual Percentage Yield. Rates subject to change at any time. ^oInterest rates adjusted and paid monthly. Rates subject to change.