Invest in your future, your way
From everyday savings to long-term goals, Ideal Credit Union offers smart options to help you grow your money and move forward with confidence.
High Yield Savings
Big balance? Big rewards. Watch your savings grow faster
Save smarter with top-tier earnings and no fees to slow you down.
Popular Features
- Keep $25,000 or more on deposit to unlock our highest interest rates and earn even more as your balance grows
- Enjoy total flexibility—add or withdraw funds anytime, no strings attached
- Stay in control with secure, 24/7 online account access and NCUA-insured protection
Pairs well with
Goal Savings
Committed to a goal? Let's make it happen.
No fees mean more money in your account to reach your goal.
Popular Features
- Start earning interest with any amount – no minimum balance required
- Keep at least $1,000 on balance to earn 1.35% APR
- Balances under $1,000 grow at 0.05% APR
Pairs well with
Share Savings
Your starting point for accessing all Ideal CU products and services
Simple way to start building your savings.
Popular Features
- Required to become a member and access exclusive perks
- Earn monthly dividends while being part of something bigger
Pairs well with
Reserve Savings
Save for what’s next while your balance earns interest
Earn interest and keep access to your funds whenever you need them.
Popular Features
- Organize your savings for specific needs like vacations, emergencies or seasonal spending
- Grow your money with our accounts' competitive rates
- A smart way to accelerate your progress toward the goals that matter most
Pairs well with
Health Savings (HSAs)
Save for medical expenses while reducing your taxable income
Use funds tax-free for qualified healthcare costs.
Popular Features
- Save on taxes while saving for healthcare. Contributions, growth and qualified withdrawals are all tax-free
- Build long-term savings that roll over year after year and stay with you
- Pay for medical, dental and vision expenses with convenient access anytime
Start Dreaming, Start Saving
Share Savings
Your starting point for accessing all Ideal CU products and services
High Yield Savings
Big balance? Big rewards. Watch your savings grow faster.
Minimum Opening Deposit
Minimum Opening Deposit
$1 ($5 when opening online)
$1 ($5 when opening online)
$1
Additional Resources