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If you join a credit union, all the profits from the credit union go back into services to benefit you—its member. This typically translates into better rates on interest for savings accounts and loans.
Credit union accounts are insured for up to $250,000 by the National Credit Union Administration (NCUA).
You are a member instead of a customer and own shares in the credit union.
This account is designed for customers who want to earn rewards and benefits for their active banking habits. To qualify, just follow these simple steps:
Don't miss out on this opportunity to upgrade your banking experience. Start enjoying the benefits of Intelligent Checking today!
Intelligent Checking® Disclosure: Rates Effective as of August 1, 2023. All rates subject to change. No monthly fee. To earn the Intelligent Checking rate of 6.00% APY on balances up to and including $25,000, and 0.25% APY on balances over $25,000, you must meet the following monthly requirements: twelve (12) debit or credit card transactions; direct deposit of $100 or more per month, log in to online banking at least once per month; and receive e-Statements. If account requirements are not met, the non-qualifying rate will be 0.05% APY. New accounts will receive the qualifying dividend rate for the first statement cycle. Existing accounts converted to Intelligent Checking may qualify to receive the qualifying dividend rate beginning on the first day of the month following the month in which the account is converted. All requirements must be met with transactions posted and cleared by the close of business on the day before the last day of the month. ATM transactions do not count toward the 12 debit card transactions. Dividend paid on the last day of the month in which it is earned. Qualifiers must all be on the same account. **Only accounts that meet the Intelligent Checking criteria are eligible for the $25 ATM fee refund. Visit www.iQcu.com for details about how the ATM fee refund is calculated and other limitations. If your account has been open for at least thirty days and is in good standing, iQ Credit Union may, but is not obligated, to pay overdrafts on your account. An overdraft can occur when there are not sufficient funds in your account to pay an item presented against your account such as a check, electronic fund transfer or ACH, bill payment, or other debit on your account. A fee of up to $30 may be assessed for each overdraft. Overdrafts and subsequent fees are payable immediately; negative accounts must be brought positive within thirty days of the account going negative.
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