Ideal Credit Union

Savings & Money Market

Savings & Money Market Accounts

Save more for your ideal future

A savings, money market account or certificate (CD) at Ideal Credit Union can help you grow your money for the things that matter most to you. Earn an attractive monthly dividend with an Ideal CU Share Savings or earn a higher rate with an Ideal CU Money Market or Certificate of Deposit.

Share Savings

A Share Savings Account is required for each member and represents your share (ownership) in the credit union. It also opens the door to all the benefits of Ideal CU membership!

$1 minimum opening balance ($5 required when opening online)

Open an Account

RoundUp Savings

Earn interest when you round up to the nearest dollar on every day purchases into your RoundUp Savings account.

No minimum balance
No monthly maintenance fee

Open an Account

See Rates and Qualifications

Premium Money Market

For members who want to earn more on their savings dollars.

$2,500 minimum balance¹
No monthly maintenance fee

Open an Account

Premium Money Market Rates

High Yield Money Market

The highest rate available for a money market at Ideal Credit Union.

$25,000 minimum balance²
No monthly maintenance fee

Open an Account

High Yield Money Market Rates

High Yield Money Market Savings Special

Start Strong with Our High Yield Money Market Savings Special.

$25,000 minimum balance²
Existing members of Ideal CU must add a minimum of $25,000 from sources outside of Ideal CU to this new account³

See Offer Details

Certificates of Deposit (CDs)

Lock-in a competitive rate to save more for a term that fits your needs.

Choose from flexible options and terms

See Certificate Rates

Rates as of:

^*APY = Annual Percentage Yield. Rates subject to change at any time.

¹ $10 charge for balances below $2,500 during the month. Interest rates adjusted and paid monthly.

² $10 charge for balances below $25,000 during the month. Interest rates adjusted and paid monthly.

³ 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.