Personal Checking Rates
Rates as of:
Relationship Checking Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0 - $1,999.99 | 0.00% | 0.00% |
| $2,000.00 - $9,999.99 | 0.05% | 0.05% |
| $10,000.00 - $19,999.99 | 0.05% | 0.05% |
| $20,000.00 - $49,999.99 | 0.05% | 0.05% |
| $50,000.00+ | 0.05% | 0.05% |
| *APY = Annual Percentage Yield. Rates subject to change at any time. Minimum of $1,500 Direct Deposit or $20,000 in combined balances in Ideal CU Savings, Checking, Loans, Visa and/or Mortgage required in Relationship Checking to avoid $15 monthly service fee. |
||
High Yield Checking Rates
Rates as of:
| Balance | Interest Rate | APY* |
|---|---|---|
| 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. |
||