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Savings Rates

Savings & Money Market Rates

Rates as of:

Share Savings Rate

BalanceInterest RateAPY*
$0.00 0.05% 0.05%o

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

oInterest rates adjusted and paid monthly. Rates subject to change.

Rates as of:

RoundUp Savings Rates

Balance1Interest RateAPY*
$0 - $2,499.99 1.98% 2.00%o
$2,500 - $4,999.99 1.00% 1.00%o
$5,000 - $9,999.99 0.50%

0.50%o

$10,000.00 + 0.05% 0.05%o

1. To qualify for RoundUp Savings premium rates/APYs, member must have an Ideal Credit Union Checking Account and Debit Card, receive eStatements, and conduct a minimum of 20 debit card purchase transactions during the monthly qualification period. RoundUp Savings occur when the Ideal CU Debit Card transactions are rounded up to an even dollar amount. An additional amount of $1 or $2 can also be added to each transaction and transferred to RoundUp Savings. If the minimum criteria are not met, the account earns 0.05% APY per month. 

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

oInterest rates adjusted and paid monthly.

Rates as of:

High Yield Money Market Rates

Balance1Interest RateAPY*
$0 - $24,999.99 0.25% 0.25%o
$25,000 - $99,999.99 0.30% 0.30%o
$100,000 - $249,999.99 0.35% 0.35%o
$250,000+ 0.50% 0.50%o

1. $10 charge for balances below $25,000 during the month.

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

oInterest rates adjusted and paid monthly.

Premium Money Market Rates

Balance1Interest RateAPY*
$0 - $2,499.99 0.05% 0.05%o
$2,500.00 - $9,999.99 0.05% 0.05%o
$10,000.00 - $19,999.99 0.10% 0.10%o
$20,000.00 - $49,999.99 0.10% 0.10%o
$50,000.00 - $99,999.99 0.10% 0.10%o
$100,000.00 + 0.25% 0.25%o

1. $10 charge for balances below $2,500 during the month.

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

oInterest rates adjusted and paid monthly. Rates subject to change.

Rates as of:

IRA High Yield Money Market Rates

Balance1Interest RateAPY*
$0 - $24,999.99 0.25% 0.25%o
$25,000 - $49,999.99 0.30% 0.30%o
$50,000 - $99,999.99 0.30% 0.30%o
$100,000 - $199,999.99 0.35% 0.35%o
$200,000+ 0.50% 0.50%o

1. $10 charge for balances below $25,000 during the month.

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

oInterest rates adjusted and paid monthly.

IRA Premium Money Market Rates

Balance1Interest RateAPY*
$0 - $2,499.99 0.05% 0.05%o
$2,500.00 - $9,999.99 0.05% 0.05%o
$10,000 - $19,999.99 0.10% 0.10%o
$20,000 - $49,999.99 0.10% 0.10%o
$50,000 - $99,999.99 0.10% 0.10%o
$100,000 + 0.25% 0.25%o

1. $10 charge for balances below $2,500 during the month.

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

oInterest rates adjusted and paid monthly. Rates subject to change.

 

Ideal Loan & Deposit Rates