Checking Rates

Personal Checking Rates

Rates as of:

Relationship Checking Rates1

BalanceDividend RateAPY*
$2,000.00 - $49,999.99 0.05% 0.05%
$50,000.00+ 0.05% 0.05%

High Yield Checking Rates2

BalanceInterest RateAPY*
Non-Qualified 0.05% 0.05%
$0 - $20,000.00 1.98% 2.00%
Balances $0 - $20,000.00 will earn 2.00 % 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.

*APY is Annual Percentage Yield.
1. On Relationship Checking: Minimum of $750 Direct Deposit or $10,000 in combined balances in Ideal CU Savings, Checking, Loans, Visa and/or Mortgage required in Relationship Checking to avoid $12 monthly service fee.

2. On High Yield Checking: *APY is Annual Percentage Yield. Minimum $50 deposit required to open account. Required monthly criteria to earn 2.00% APY includes: 1.) Have a minimum qualified $750 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. Limit one account per Social Security Number. Accounts closed within 6 months of opening incur a $25.00 fee.

Ideal Loan & Deposit Rates