Loan & Deposit Rates

Ideal Rates for Every Need

Loan & Deposit Rates

Get The Most for Your Money

Ideal Credit Union is proud to offer low rates on loans and high rate deposit accounts to help you make the most of your money.


Vehicle Loan Rates

Enjoy a low rate and payment on your next vehicle loan or refinance.

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Auto Loans

Rates as of:

Auto Loan Rates

2018 -2012**APR as low as* 
Up to 24 months2.54%Apply
Up to 36 months2.64%Apply
Up to 48 months2.74%Apply
Up to 60 months2.94%Apply
Up to 72 months3.14%Apply
2018 -2015**APR as low as* 
Up to 84 months**3.89%Apply
2011 - 2008**  
Up to 24 months4.39%Apply
Up to 36 months4.64%Apply
Up to 48 months4.89%Apply
2007 and older**  
Vehicles 10 years and older will be priced at Recreational Vehicle Rates  
  Calculate Payments

*APR is Annual Percentage Rate. Quoted APR is best available rate for model years 2012 and newer for a 24 month term; rate may be higher depending on factors such as credit history, repayment term selected, amount financed and mileage of vehicle. Slightly higher rates are available for terms to 84 months. Example of payment, pay $42.78 per month per $1,000 borrowed for 24 months at 2.54% 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 2015 - 2018 and minimum loan amount must be $30,000. Max LTV is 105%.

^Skipping payments for the first 60 days will increase the amount of interest you pay and will take you longer to payoff the loan. The regular loan payment will begin within 60 days of the date your loan is funded.


Mortgage & Home Equity Rates

Looking to purchase a new home or refinance your current home loan? Or maybe just take advantage of the equity in your home? Ideal Credit Union has rates you'll love with financing that fits your budget.

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Mortgage Loans

Mortgage Loans
TypeTerm 
30 Year Fixed30 yearsVIEW RATES
15 Year Fixed15 yearsVIEW RATES
ARMVariety of TermsVIEW RATES
3% Down ProgramN/AVIEW RATES
  Calculate Payments

Visa® Credit Card Rates

Ideal Credit Union offers low-cost credit card options to help you take advantage of whatever comes next.

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VISA® Credit Cards

Rates as of:
VISA® Credit Cards
TypeAPR* 

Visa Blue Rewards 

blue rewards rates icon

UnsecuredVariable 10.15% - 17.99%1Apply
Visa Gold gold card rates iconUnsecuredFixed 9.90% - 15.90%2Apply
*Annual Percentage Rate
1. Ideal CU Blue Rewards Variable APR (Annual Percentage Rate) ranges from 10.15% - 17.99% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Transaction fees for balance transfer and convenience checks are 2% of the amount of each transfer not to exceed $75.00 (Minimum $10) and Cash Advance fees are 2% of each advance (Minimum $10.00). Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.
2. Ideal CU Gold fixed APR (Annual Percentage Rate) ranges from 9.90% - 15.90% dependent on creditworthiness. No annual fee. Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.

Checking & Deposit Rates

Whether you're looking to save or just get more back as you spend, Ideal Credit Union has deposit rates to help you get the most out of your money.

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Checking Rates

Relationship Checking Rates

Rates as of:
Relationship Checking
BalanceInterest RateAPY*
$2,000.00 - $49,999.990.05%0.05%**
$50,000.00+0.15%0.15%**
Make an AppointmentOpen
*APY = Annual Percentage Yield.
**Direct Deposit or $10,000 combined balances in Ideal CU Savings, Checking, Loans, Visa and/or Mortgage required in Relationship Checking to avoid monthly service fee.

Certificate of Deposit Rates

Grow your money quicker with a high yield CD at Ideal Credit Union. Start with as little as $100, or take advantage of one of our CD Specials.

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Regular

Regular Certificates

Rates as of:
Regular Certificates
Term$500.00 - $24,999.99$25,000.00 - $69,999.99$70,000.00 +
91 Day0.30% APY*0.40% APY*0.50% APY*
6 Month0.35% APY*0.45% APY*0.55% APY*
12 Month0.60% APY*0.70% APY*0.80% APY*
18 Month0.65% APY*0.75% APY*0.85% APY*
24 Month0.70% APY*0.80% APY*0.90% APY*
30 Month0.80% APY*0.90% APY*1.00% APY*
36 Month0.90% APY*1.00% APY*1.11% APY*
48 Month1.16% APY*1.26% APY*1.36% APY*
60 Month1.36% APY*1.46% APY*1.56% APY*
*The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. 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. 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.

IRA & HSA Rates

Enjoy a high yield and tax-advantaged benefits with an IRA or HSA at Ideal Credit Union.

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IRA & HSA Accounts

Rates as of:

HSA & Premium IRA Money Market

BalanceRateAPY*
Up to $9,999.990.05%0.05%1
$10,000.00 - $49,999.990.10%0.10%1
$50,000.00 - $99,999.99

0.20%

0.20%1

$100,000.00+

0.35%

0.35%1

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

Rates as of:
IRA Certificate of Deposit Rates
Term$500.00 - $24,999.99$25,000.00 - $69,999.99$70,000.00+
91 Day.30% APY*.40% APY*.50% APY*
6 Month.35% APY*.45% APY*.55% APY*
12 Month.60% APY*.70% APY*.80% APY*
18 Month.65% APY*.75% APY*.85% APY*
24 Month.70% APY*.80% APY*.90% APY*
30 Month.80% APY*.90% APY*1.00% APY*
36 Month.90% APY*1.00% APY*1.11% APY*
48 Month1.16% APY*1.25% APY*1.36% APY*
60 Month1.36% APY*1.45% APY*1.56% APY*
*The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. 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. 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.

Business Checking Rates

Optimize your business earning and enjoy a host of convenience benefits with an Ideal Business Checking.

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Business Checking Accounts

Business Checking Rates

Rates as of:

Business Checking Rates
TypeBalanceInterest Rate
APY*
Optimum Business Checking$0 - $9,999.990.05%0.05%x
 $10,000 - $19,999.990.05%0.05%x
 $20,000 - $49,999.990.05%0.05%x
 $50,000 - 99,999.990.10%0.10%x
 $100,000.00 +0.15%0.15%x
Simply Business CheckingN/A0.05%0.05%*

x$500 minimum balance required on Simply Business Checking and $2,500 on Optimum Business Checking to avoid monthly service fee.  Interest rates determined monthly by the Board of Directors.
*APY = Annual Percentage Yield


Other Loan Rates

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Other Loans

Personal Loans & Lines Rates

Rates as of:

Personal Loans & Lines
TypeTermAPR* as low as 
StudentUp to 10 yearsLearn more 
Signature** up to $5,000Up to 36 months12.99%Apply
Signature** over $5,000Up to 60 months12.99%Apply
Overdraft Line of CreditUp to 30 months14.00%Apply
Shared SecuredUp to 60 monthsCurrent deposit rate + 2.00%Apply

* APR = Annual Percentage Rate
**Actual rate based on applicant's payment and credit history. Example of Payment Terms: Signature loan with 12.99% APR over a 36-month term would make a payment of $71.76 per $1,000 borrowed.

 

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2018 Holiday Hours


New Year's Day
Monday, January 1st
All locations closed.


Martin Luther King Jr Day
Monday, January 15th
All locations closed.


Presidents' Day
Monday, February 19th
All locations closed.


Good Friday
Friday, March 30th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 28th
All locations closed.


Independence Day
Wednesday, July 4th
All locations closed.


Labor Day
Monday, September 3rd
All locations closed.


Columbus Day
Monday, October 8th
All locations closed.


Veterans Day
Monday, November 12th
All locations closed


Thanksgiving Day
Thursday, November 22nd
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Monday, December 24th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Day
Tuesday, December 25th
All locations closed.


New Year's Eve
Monday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day
Tuesday, January 1st
All locations closed