Student Products
Promoting bright financial futures
There are a lot of things you want and need. A little planning and money management can get you even more. That’s why Ideal offers specialized products to help students achieve their future financial goals.
Student Checking
The Ideal Student Checking Account is designed to meet the unique needs of high school and college students by providing cost-savings and 24/7 digital banking access.
Student Savers CD
The Ideal CU Student Savers CD earns high school students a high competitive rate. The Student Savers CD is only available available for members age 14-17. On the student's 18th birthday, funds will be deposited into their Share Savings Account.
Today's Student Savers CD Rate
Today's Student Savers CD Rate
Rates as of:
| Minimum Opening Balance | Term | Interest Rate | APY* |
|---|---|---|---|
| $25 | Up to 48 Months | 3.00% | 3.04% |
| *APY is Annual Percentage Yield. Rates subject to change at any time. The Student Savers CD must be in the teen’s name and only one Student Savers CD per teen can be opened. The minimum opening balance is $25 and additional dollars can be added at any time, up to the limit of $1,000. Restrictions apply because this Certificate is intended to be used only for the teen’s own money. Student must have a Student Checking account in good standing to qualify for Student Savers CD. If the student needs to cash in the CD prior to their 18th birthday, a penalty of 100% of the interest earned will be assessed. | |||