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For Students

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.

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Student Savers CD

The Ideal CU Student Savers CD earns high school students a high rate of 2.43% APY (Annual Percentage Yield). The Student Savers CD is available only for members age 14-17.

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Credit Builder Loan

Ideal Student Credit Union offers a special loan for those looking to establish credit and build a solid financial foundation. A sound credit record can help in applying for jobs, house or apartment rentals, credit cards, auto and other loans, and much more later in life.

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Check out our Ideal Student Blog

Student Checking Account: Student Checking: $50 minimum opening deposit. Parent/guardian must be on account if student is under 18.

Student Savers CD: 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.

Student Credit Builder Loan: Loan funds are held in the share savings account until the loan is paid in full. Payment example: on a loan with 3.05% Annual Percentage Rate (APR) over an 18 month term, monthly payments would be $56.91 per $1,000 borrowed. Loan rate varies as share rate changes. Monthly or biweekly payment options available. If delin­quency exceeds 61 days, share account will be cashed out and the loan repaid in full. Autopay may be required. Terms and conditions of the Credit Builder Loan are subject to change. Not all members will qualify. Depending on members’ specific circumstances, it is possible that not all members will have a stronger credit record at the end of the term.

2020 - 21 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 20th
All locations closed.


President's Day
Monday, February 17th
All locations closed.


Good Friday
Friday, April 10th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 25th
All locations closed.


Independence Day
Saturday, July 4th
All locations closed.


Labor Day
Monday, September 7th
All locations closed.


Columbus Day
Monday, October 12th
All locations closed.


Veterans Day
Wednesday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 26th
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Thursday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day
Friday, December 25th
All locations closed.


New Year's Eve
Thursday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day (2021)
Friday, January 1st
All locations closed