Credit union · NCUA insured
Ideal Credit Union Savings Rates
Top CarrotIdeal Credit Union’s best savings rate is 1.35% APY on $10,000, with its Goal Savings Account. Rates checked October 17, 2026.
How Ideal Credit Union’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Ideal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ideal Credit Union
1.35%APY
- Minimum
- —
- Earns on $10,000 a year
- $135
Goal Savings Account
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Ideal Credit Union savings score
88
Savings score
Higher than 83% of U.S. banks and credit unions
- $1,000 balance$1,0001.35%
- $10,000 balance$10,0001.35%
- $100,000 balance$100,0003.10%
- QualifiedQualified1.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Ideal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Savings
Up to 3.20%APY
No monthly fees or term commitments. Minimum $25,000 to open account and earn interest.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $100,000Interest is compounded and paid monthly. If balance falls below $25,000, the account will not earn interest. | 3.00% | — | Interest is compounded and paid monthly. If balance falls below $25,000, the account will not earn interest. |
| $100,000 – $500,000Interest is compounded and paid monthly. If balance falls below $25,000, the account will not earn interest. | 3.10% | — | Interest is compounded and paid monthly. If balance falls below $25,000, the account will not earn interest. |
| $500,000 and upInterest is compounded and paid monthly. If balance falls below $25,000, the account will not earn interest. | 3.20% | — | Interest is compounded and paid monthly. If balance falls below $25,000, the account will not earn interest. |
Sources (3)
- idealcu.com/personal/bank/savings
- idealcu.com/personal/bank/savings/high-yield-savings
- idealcu.com/rates/savings
All captured Oct 5, 2026
Goal Savings Account
1.35%APY
No minimum balance required to start earning interest. No monthly fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Interest rates adjusted and paid monthly. If balance falls below $1,000, the account will earn 0.05% APY. | 0.05% | — | Interest rates adjusted and paid monthly. If balance falls below $1,000, the account will earn 0.05% APY. |
| $1,000 and upInterest rates adjusted and paid monthly. | 1.35% | $135 | Interest rates adjusted and paid monthly. |
Sources (3)
- idealcu.com/personal/bank/savings
- idealcu.com/personal/bank/savings/goal-savings
- idealcu.com/rates/savings
All captured Oct 5, 2026
Share Savings
0.05%APY
Required to become a member and access exclusive perks. Member-owner earns monthly dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividend rates adjusted and paid monthly. Opening deposit is $1 ($5 when opening online).Any balance | 0.05% | $5 | Dividend rates adjusted and paid monthly. Opening deposit is $1 ($5 when opening online). |
Sources (3)
- idealcu.com/personal/bank/savings
- idealcu.com/personal/bank/savings/share-reserve-savings
- idealcu.com/rates/savings
All captured Oct 5, 2026
Special-purpose accounts
IRA High Yield Money Market
1.00%APY
Interest rates adjusted and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Interest rates adjusted and paid monthly. | 1.00% | $100 | Interest rates adjusted and paid monthly. |
| $25,000 – $50,000Interest rates adjusted and paid monthly. | 1.06% | — | Interest rates adjusted and paid monthly. |
| $50,000 – $100,000Interest rates adjusted and paid monthly. | 1.06% | — | Interest rates adjusted and paid monthly. |
| $100,000 – $200,000Interest rates adjusted and paid monthly. | 1.11% | — | Interest rates adjusted and paid monthly. |
| $200,000 and upInterest rates adjusted and paid monthly. | 1.31% | — | Interest rates adjusted and paid monthly. |
Sources (1)
- idealcu.com/rates/savings · captured Oct 5, 2026
IRA Money Market
0.30%APY
Interest rates adjusted and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Interest rates adjusted and paid monthly. | 0.05% | — | Interest rates adjusted and paid monthly. |
| $2,500 – $10,000Interest rates adjusted and paid monthly. | 0.30% | — | Interest rates adjusted and paid monthly. |
| $10,000 – $20,000Interest rates adjusted and paid monthly. | 0.30% | $30 | Interest rates adjusted and paid monthly. |
| $20,000 – $50,000Interest rates adjusted and paid monthly. | 0.30% | — | Interest rates adjusted and paid monthly. |
| $50,000 – $100,000Interest rates adjusted and paid monthly. | 0.30% | — | Interest rates adjusted and paid monthly. |
| $100,000 and upInterest rates adjusted and paid monthly. | 0.30% | — | Interest rates adjusted and paid monthly. |
Sources (1)
- idealcu.com/rates/savings · captured Oct 5, 2026
Who can join Ideal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.