Ideal Credit Union

Deposit Specials

Certificate Special Rates

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13-Month No-Penalty Certificate

Rates as of:

Minimum Opening Balance	Term^**	Interest Rate	APY^*
$500 +	13 Months	5.13%	5.25%
^APY = Annual Percentage Yield. The Annual Percentage Yield assumes interest remains on deposit until maturity. Rates subject to change at any time. Existing members must fund the account entirely from sources outside of Ideal CU. Minimum deposit requirement of $500. 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. ^*Promotional no-penalty CDs will not be charged an early withdrawal interest penalty for distributions made before the CDs maturity date. The no-penalty promotion terminates on the maturity date of the CD and will not carry forward if the CD is renewed into a new term. Membership is required.

19-Month Certificate

Rates as of:

Minimum Opening Balance	Term^**	Interest Rate	APY^*
$10,000 +	19 Months	4.75%	4.85%
^APY = Annual Percentage Yield. The Annual Percentage Yield assumes interest remains on deposit until maturity. Rates subject to change at any time. Existing members must deposit a minimum of $10,000 not currently on deposit at Ideal Credit Union to be eligible for this special. 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. ^*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.

Money Market

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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 December 31, 2023. ^oDividends paid monthly.

High Yield Checking

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High Yield Checking Rates

Rates as of:

Balance	Interest Rate	APY*
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.