Deposit Specials

Certificate Special Rates

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.

 

Money Market

Money Market Special Rates

Rates as of:
Balance1Interest RateAPY*
$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

High Yield Checking Rates

Rates as of:
BalanceInterest RateAPY*
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.

Ideal Loan & Deposit Rates