Rates

*APY = Annual Percentage Yield. Rates subject to change at any time. The Annual Percentage Yield assumes interest remains on deposit until maturity. Open with a minimum of $500 from sources outside of Ideal. If combining with existing funds deposited at Ideal, a minimum of $5,000 in additional new money is required. 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 Certificate of Deposit. Penalty for early withdrawal - Certificates of Deposit with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned, Certificates of Deposit with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. 

1. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Rates subject to change at any time. A withdrawal will reduce earnings. 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.

2. Penalty for early withdrawal. CDs with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned/CD with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. Fees may reduce earnings.

1. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Rates subject to change at any time. A withdrawal will reduce earnings. 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.

2. Penalty for early withdrawal. CDs with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned/CD with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. Fees may reduce earnings.

*APY = Annual Percentage Yield.
Dividend rates adjusted and paid monthly. Rates subject to change at any time. Above are prospective dividend rates for the current period.

*APY = Annual Percentage Yield. Interest rates adjusted and paid monthly. Rates subject to change at any time. If balance falls below $1,000, the account will earn 0.05% APY. Interest begins to accrue on the business day you deposit any non-cash item.

*APY = Annual Percentage Yield. Rates subject to change at any time. Interest is compounded and paid monthly. Minimum $25,000 to open account. If balance falls below $25,000, the account will not earn interest. Interest begins to accrue on the business day you deposit any non-cash item. Fees may reduce earnings.

*APY = Annual Percentage Yield. Rates subject to change at any time.
Interest rates adjusted and paid monthly.

*APY = Annual Percentage Yield. Rates subject to change at any time.
Interest rates adjusted and paid monthly.

*APR= Annual Percentage Rate. Rates are subject to change without notice.

If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR (applicable on conventional products).

Payment example: On a $300,000 owner occupied (primary residence) home loan at a 6.375% rate and 6.493% APR for a 30-year term, monthly payments would be $1,871.61 per month. Payments do not include applicable taxes and insurance and may result in higher payments.

Payment example: On a $250,000 mortgage loan at a 5.750% rate and 5.949% APR for a 15-year term, monthly payments would be $2,0076.03. Payments do not include applicable taxes and insurance and may result in higher payments.

1. Zero Down Mortgage Program: available for qualified applicants with minimum 700 credit score. Some restrictions may apply. Available for purchase transactions and owner-occupied residence up to max loan amount of $647,200. Rates subject to change at any time. Payment example: On a $300,000 mortgage loan at 7.133% APR for a 25-year term, monthly payments would be $2,242.90. This payment example does not include taxes and insurance, and the payment will be higher than the disclosed payment. Subject to mortgage insurance approval. Not eligible for condos or multi-family properties.

Adjustable Rate Mortgage Disclosures

*APR= Annual Percentage Rate. Rates are subject to change without notice.

If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR (applicable on conventional products).

Payment example: On a $300,000 owner occupied (primary residence) home loan at a 6.375% rate and 6.493% APR for a 30-year term, monthly payments would be $1,871.61 per month. Payments do not include applicable taxes and insurance and may result in higher payments.

Payment example: On a $250,000 mortgage loan at a 5.750% rate and 5.949% APR for a 15-year term, monthly payments would be $2,0076.03. Payments do not include applicable taxes and insurance and may result in higher payments.

*APR = Annual Percentage Rate. Quoted APR is best available rate for model years 2022 and newer for a 36 month term; rate may be higher depending on factors such as credit history, repayment term selected, amount financed and mileage of vehicle. Higher rates are available for terms to 84 months. Example of payment, pay $29.79 per month per $1,000 borrowed for 36 months at 4.59% APR. Rates are subject to change at any time.

**Actual rates based on applicant's payment and credit history. To be eligible for an 84 month term, vehicle must be 2022 or newer and minimum loan amount must be $30,000. LTV restrictions may apply.

*APR = Annual Percentage Rate. Rates subject to change at any time. Actual rate based on applicant's payment and credit history. Additional appraisal fee may apply should one be needed. Flexible Home Equity Line of Credit: Minimum Annual Percentage Rate (APR) Floor of 4.00%. Maximum APR is 12.00%. APR is variable, subject to change monthly and based on the Prime Rate as published in the Wall Street Journal. Required payments are calculated at 1% of the outstanding balance. Maximum loan amount is $450,000 with a 10-year draw period and up to 15-year repayment period. Properties must be owner-occupied. Not eligible for multi-family properties. Some housing exceptions apply. Closing costs range from $500 to $2,000. Eligible for homes in Minnesota and Wisconsin only. Borrowers may request to convert up to three fixed-rate segments at any given time; rates for fixed rate loan segments are determined at the time of the request. A $250.00 processing fee applies for each fixed-rate segment established. Consumer should consult a tax advisor regarding the deductibility of interest. Rates subject to change at any time.

**Maximum loan amount is $25,000. Offer is subject to normal credit qualifications. Payment Example: On a No Equity Home Improvement Loan with a term of 5 years at 10.74% APR, monthly payments would be $540.33 based on $25,000 borrowed.

*APR = Annual Percentage Rate. Actual rate based on applicant's payment and credit history. Example of Payment Terms: Rec vehicle loan with 5.89% APR for a 60-month term would make a payment of $19.28 per $1,000 borrowed. Rates subject to change at any time.

Terms greater than 15 years for RVs (excluding park models), motorhomes, and travel trailers must meet second home requirements and require a minimum 10% down payment, with a maximum loan term of 240 months. Motorcycles are eligible for a maximum loan term of 84 months. ATVs, UTVs, snowmobiles and personal watercraft are eligible for a maximum loan term of 120 months.

*APR = Annual Percentage Rate

1. Actual rate based on applicant's payment and credit history. Example of Payment Terms: Signature loan with 10.99% APR up to a 72-month term would make a payment of $19.03 per $1,000 borrowed. Rates subject to change at any time.

2. Actual rate based on applicant's payment and credit history. The minimum floor APR will be 8.00% and maximum APR will be 17.99%. Current variable APR ranges from 10.50% - 17.99%, based on the Wall Street Prime Rate which is currently 6.75%. Rates subject to change at any time. Limit of one line of credit per membership.

3. Property must be owner occupied. Maximum loan is $25,000.

*APR = Annual Percentage Rate

1. Ideal CU Visa Signature variable APR ranges from 14.75% - 18.00% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Cash Advance fees are 3% of each advance (Minimum $10.00). Card Shipment Rush Fee $40. Rates subject to change at any time. See full card disclosure.

2. Ideal CU Blue Rewards variable APR ranges from 14.75% - 18.00% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Cash Advance fees are 3% of each advance (Minimum $10.00). Foreign Transaction fees are up to 1% of each transaction in U.S. Dollars. Card Shipment Rush Fee $40. Rates subject to change at any time. See full card disclosure.

3. Ideal CU Gold non-variable APR ranges from 12.50% - 18.00% dependent on creditworthiness. Cash Advance fees are 3% of each advance (Minimum $10.00). No annual fee. Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Card Shipment Rush Fee $40. Rates subject to change at any time. See full card disclosure.

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

1. $5,000 minimum balance on Optimum Business Checking to avoid $15 monthly service fee.  Interest rates determined monthly by the Board of Directors. Rates subject to change at any time.

2. $1,500 minimum balance required on Simply Business Checking to avoid $10 monthly service fee. Interest rates determined monthly by the Board of Directors. Rates subject to change at any time.

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

1. $1,000 minimum opening balance.