Ideal Advantage

At a financial cooperative, like Ideal Credit Union, you’re not just a member – you’re an owner. The Ideal Advantage is an ownership perk designed to reward members for their active participation in the credit union. Active participation not only powers the credit union, it also promotes financial well-being through education, better rates and fewer fees. Members will be rewarded for using the following Ideal Credit Union products and services: loans, savings, checking, investments, debit and credit card useage. Ideal Advantage is available to Ideal CU members over the age of 18 with an active checking account, along with a special incentive for students 13-17.

The exciting new Ideal Advantage program includes the following 2023 payout categories:

Wealth Advisors
Lending
Debit & Credit Card Usage
Deposit
Ideal Advantage Jr. for Members Age 13-17

Remember – being an owner of Ideal Credit Union has its Perks! Watch the website, eNews and the newsletter for details on this exciting new ownership perk program.

Savings Payouts

A Savings, Money Market, Certificate of Deposit, IRA or Health Savings account at Ideal Credit Union can help you grow your money for the things that matter most to you. Earn up to $25 through Ideal Advantage.

Average Combined Balances	Payout^*
$2,000 - $9,999.99	$10
$10,000 - $24,999.99	$15
$25,000 - $49,999.99	$20
$50,000 +	$25
^*To earn the Save category incentive, member must meet the stated Ideal Advantage qualifications and have a balance of $2,000 or more in combined deposit accounts (savings, money market, IRA, certificates of deposit, and/or health savings) on 12/31/23. Checking account balances not included.

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Borrowing Payouts

Ideal Advantage enables you to earn up to $25 based on the amount of interest paid on qualifying loans financed or refinanced through Ideal Credit Union.

Combined Loan Interest Paid	Payout^*
$100 - $499.99	$10
$500 - $1,999.99	$15
$2,000 - $4,999.99	$20
$5,000 +	$25
^*To earn the Borrow category, member must meet the stated Ideal Advantage qualifications and have paid a minimum of $100 in total interest on qualifying loans (auto, recreational vehicle, personal, home equity, and/or mortgage) from 1/1/23–12/31/23.

Card Usage Payouts

The more you use your Ideal CU Debit or Credit Card, the more you can earn - up to $25.

Number of Debit/Credit Transactions	Payout^*
300 - 599	$5
600 - 999	$10
1,000 - 1,499	$15
1,500 - 1,999	$20
2,000 +	$25
^*To earn the Debit/Credit category, Member must meet the stated Ideal Advantage qualifications and use a Ideal Mastercard Debit and/or Ideal Visa Credit Card for purchase transactions from 1/1/23-12/31/23. Excludes ATM transactions. Transactions may take up to 3 business days to post to account.

Debit Card Options Credit Card Options

Ideal Wealth Advisors Payouts

Ideal Wealth Advisors have always been committed to providing access to products and services that bring Ideal Credit Union members closer to living their Ideal Life.

Services Used	Payout^*
One Service	$15
*^To earn the Wealth Advisors category, Member must meet the stated Ideal Advantage qualifications and have at least one account with Ideal Wealth Advisors on 12/31/23 which has a balance.**

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Ideal Advantage Jr. Payouts

A special incentive for our Ideal Advantage Jr. members age 13-17 to encourage our younger members as they begin building a routine savings plan. Children age 12 and under are invited to join our Bucky Bear Club as they learn the importance of saving and managing money.

Criteria	Payout^*
Age 13, with an active Savings Account and 6+ deposits of $10 or more	$10
Age 14-17, with an active Checking Account and 6+ deposits of $10 or more	$10
^*To earn the Under 18 payout, member must be age 13-17 as of 12/31/23. Must have a share savings with at least $200. Limit one qualifying deposit per day. Deposits are based on a single member number and cannot be combined or shared with other member numbers.