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Intelligent Bundle

Flex your financial intelligence and earn more

Sign up for our Intelligent High-Yield Bundle to earn up to [[iq:checking:checking-qualifying-low.column_2]] APY* on your checking and up to [[iq:checking:savings-qualifying.column_2]] APY* on your savings account when you join iQ Credit Union.

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Another Plaid-Tastic Reason to Join iQ Credit Union

Our User-Friendly Way to Save

Our Intelligent High-Yield Bundle gives flexibility while you earn and is a smart alternative to a CD, keeping your money accessible while its growing.

  • Money-Plant
    Earn more with Intelligent Checking
    Designed to earn up to [[iq:checking:checking-qualifying-low.column_2]] APY* on regular day-to-day banking activities and structured so that your normal habits should keep you in the earning zone.
  • Money-Wings
    Intelligent Savings – it's very smart
    Bundled with a qualifying Intelligent Checking account, Intelligent Savings can keep you earning up to [[iq:checking:savings-qualifying.column_2]] APY* even after you’ve maxed out your Intelligent Checking rewards.

Discover your Intelligent High-Yield Bundle perks

  • NoMoney

    $0 monthly service fee or minimum balance requirement

  • 025-login

    Free online banking, bill pay, & money management software

  • ATM-2

    Enjoy no fees with a nationwide network of 30,000+ ATMs

  • Cash-To-Card

    Up to $25 in refunds per month on ATM surcharges nationwide

  • VisaSignatureTravel-CreditCard

    Get your tap-to-pay Visa® debit card instantly at any iQ branch

  • Computer-Card

    Direct deposit

  • Smartphone-Money

    Mobile banking access

    Deposit checks, pay people, use your mobile device to pay in stores, and more.

  • Check

    Unlimited check writing

  • Checkmark-Shield

    Overdraft protection

    *optional

Join iQ Credit Union today – it’s the intelligent way to earn a higher yield.

Our hassle-free application makes it quick and easy to join so that you can experience the benefits of banking with iQ even faster. 

  • 025-login
    Apply Online
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    Call Us
  • Bank
    Visit Us In-Branch

Calculators & Tools

Use our helpful calculators to help guide your financial decisions

Save for a Rainy Day

Rainy Day Savings Summary
Planned Savings
$ 0.00
Savings Goal
$ 0.00
Saving for a Rainy Day
Comparison Details
Category Your Plan Your Goal

Life has a way of throwing surprises your way — a sudden medical bill, an unexpected car repair, or a gap between paychecks. Having money set aside for these moments can be the difference between a stressful setback and a manageable one. Start by estimating what you'd need: a buffer for unexpected costs plus enough to cover your essential monthly expenses for however long you'd want breathing room. Then map out how to get there using what you already have saved, what you can contribute each month, and the timeline that works for you. This calculator is for informational purposes only and is not intended as financial advice. Results are estimates based on the inputs you provide and assumptions about rates of return, which may vary. Please consult a qualified financial professional before making decisions about your savings strategy.

Bundling Helps You Earn More

Intelligent Checking and Intelligent Savings accounts makes it possible for you to earn up to [[iq:checking:savings-qualifying.column_2]] APY* on your savings and up to [[iq:checking:checking-qualifying-low.column_2]] APY* on checking. Now, that is a smart reason to join iQ Credit Union!  

All you need to do to earn up to [[iq:checking:savings-qualifying.column_2]] APY* on your Intelligent Savings account is check off these boxes with your Intelligent Checking account activity:

  • Computer-Card

    12 iQ debit and/or Visa credit card transactions per month

  • Piggy-Bank

    Direct deposit of a combined $100 or more per month

  • 025-login

    Sign up to receive eStatements

  • Passwork-Computer

    Log onto your online banking account at least once each month

Member Perks

Take advantage of these unique perks, only for you, as a thank you for being part of the iQ family.

  • Money-Calendar

    0.25%apy*

    Bump on a CD dividend rate*

  • Jeep-MeepMeep

    0.25% apr*

    Off your auto loan rate*

  • Refinance-House

    Up To $250

    Off mortgage closing costs*

  • Give-Get-Money

    Up To $125

    Off HELOC closing costs*

Intelligent Bundle FAQs

What do I need to open an account?

Eligibility for membership:

  • Any person who lives, works, or attends school in the State of Washington
  • Any person who lives or works in the following six Oregon counties: Clackamas, Columbia, Hood River, Multnomah, Washington or Yamhill
  • Any immediate family member of an existing iQ member. This includes:
    • Spouse, parents, grandparents, children, grandchildren, brothers, sisters, aunts, and uncles; also including “half” and “step” siblings, parents, and grandparents; and
    • Domestic partner of a member
  • Members of the Pacific Foundation for Blind Children (PFBC) who live or work within the state of Oregon
  • Certified or Classified school employee within southwest Washington
  • Businesses (Sole Prop, LLC, Partnership, Corp) that are legal entities within the State of Washington
  • Businesses (Sole Prop, LLC, Partnership, Corp) located within the following six Oregon counties: Clackamas, Columbia, Hood River, Multnomah, Washington or Yamhill

Minimum deposit to open an account:

  • General Membership (18 and older)- $5.00
  • Minor Accounts (17 and younger)- $5.00
  • Non-Profit Organizational Accounts- $5.00
  • Business Accounts- $5.00

Other Requirements:

  • Government-issued ID with photo with current address: Driver’s license, State ID, U.S. Passport, U.S. Armed Forces ID card
  • Your Social Security Number (SSN) or Tax Identification Number (TIN)
  • Current rental agreement, utility bill or mortgage statement for address verification

Association, Club, & Organization Accounts:

  • Meeting minutes outlining the title of the Authorized Signers
  • Valid ID for all signers
  • EIN is required

How can I qualify for Intelligent Savings?

As an Intelligent High-Yield Bundle, the qualifiers are tied to Intelligent Checking. If a member qualifies for Intelligent Checking in any given month they will also earn the higher rate on their Intelligent Savings account. If a member doesn't qualify for Intelligent Checking, they do not get the Intelligent Savings dividend.

What is the non-qualifying rate for Intelligent Savings?

The non-qualifying rate is [[iq:checking:savings-non-qualifying.column_2]] APY; currently the same as a regular savings account at iQ.

Are there any minimum or maximum balance thresholds for this account?

There are no minimum or maximum balance thresholds.

Why is it called Intelligent Savings?

It's a smart alternative to a regular savings account. We also kept the name consistent with our existing Intelligent Checking. It's intelligent, squared.

Why is this savings option a unique option?

A high-yield savings account is a great option to earn more money that a regular savings account. This is a good solution for members who don't want to keep large balances in checking or have more than $25,000.

It also is different from other higher-yield savings products like a certificate of deposit (CD) because the money can be accessed at any time (a CD locks the money for a specific period of time and it can't be accessed without penalty fees). Also, unlike a typical CD or money market account, you can start with any balance and still earn the Intelligent Savings rate.

Another unique feature: Intelligent Savings works together with our Intelligent Checking to earn members even more money without any additional work on your part.

How can I open an Intelligent Savings account?

If you already have an iQ account, you can add another share – or savings account – from inside your online banking account. Visit "Services" and click on Apply Online, then "Add Account or Service to Existing Membership".

If you don't have an existing account or you'd like more help from our team, you can fill out our online application or give us a call at 800.247.4364. You can also make an appointment online to visit one of our branches on your time. Look for the "Book an Appointment" link at the top of any page.

Can I add Intelligent Savings to a youth account?

Yes, youth accounts can add Intelligent Savings. In order to earn the qualifying rate they must also be approved for Intelligent Checking and qualify monthly.

How is the interest on Intelligent Checking paid and how do I qualify?

On balances of $0 - $25,000.00, dividends are earned at the full percentage (currently [[iq:checking:checking-qualifying-low.column_2]] annual percentage yield (APY) if monthly requirements are met.

On balances exceeding $25,000.00, dividends are earned at [[iq:checking:checking-qualifying-high.column_2]] APY if monthly requirements are met.

Dividends are earned at [[iq:checking:checking-non-qualifying.column_2]] APY if monthly requirements are not met.

Monthly Requirements:

  • One single deposit of $100 or more via direct deposit
  • 12 debit card or 12 credit card transactions before last day of month
  • Registered for eDelivery
  • Log into Online Banking at least once a month during the qualifying period.

The qualifying period is the last day of the previous month through the current month's next to last day.

Intelligent Checking Account Terms and Conditions

Personal Fee Schedule

Personal Rate Schedule and Disclosures

How do I use the tap-to-pay feature?

 Look for the tap-to-pay symbol at the checkout terminal. Hold your card near the symbol—no need to swipe or insert. You’ll hear a beep or see confirmation on the screen when it’s approved.

Is tap-to-pay secure?

 Yes. Tap-to-pay payments use secure chip technology and generate a unique, one-time code for each transaction, like using a digital wallet on your mobile device.

Can I still use my card if the terminal doesn’t accept tap-to-pay?

Yes. You can still insert or swipe your card if tap-to-pay isn’t available.

Do I still need to use my PIN for tap-to-pay transactions?

Generally, you don’t need a PIN for tap-to-pay transactions, however depending on the dollar amount, merchants may require a PIN.

Disclosures

  • All Savings Accounts: *APY = annual percentage yield. Fees could reduce earnings on this account. Rate may change at any time after account is open. Click here for full account disclosures. Truth-in-Savings Disclosure Except as specifically described, the following disclosures apply to all accounts

    1. Rate Information. The Interest/Dividend Rate and Annual Percentage Yield (APY) on your accounts are set forth in the Personal Rate Schedule. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest/dividends to be paid on an account based on the Interest/Dividend Rate and frequency of compounding for an annual period. The Interest/Dividend Rate may change monthly as determined by the Board of Directors. For all Money Market and IRA type share accounts, the rate may change weekly on Wednesdays as set by the Credit Union. If the Money Market balance drops below the Minimum Balance, then the interest rate will reflect the current share rate. Qualifying Intelligent Checking Accounts are tiered rate accounts. For these accounts, the interest rate applicable to a particular balance tier will apply only to the portion of the daily balance that is within the balance range for that tier. Terms and conditions to earn the Intelligent Checking rates apply, please see the Intelligent Checking Terms & Conditions for more information. Terms and conditions to earn the Intelligent Savings rate apply. Please see the Intelligent Savings Terms & Conditions for more information.
    2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield set forth in the Personal Rate Schedule are prospective rates that reflect the earnings the Credit Union anticipates paying for the Dividend Period.
    3. Compounding and Crediting. For all accounts, interest/dividends will be compounded and credited monthly. The Dividend Period begins on the first calendar day of the month and ends on the last calendar day of the month.
    4. Accrual of Interest/Dividends. Interest/dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest/dividends begin to accrue on cash and non-cash (e.g. checks) deposits on the business day you make the deposit to your account. For all accounts, except Money Market and IRA / SEP accounts, if you close your account before accrued interest/dividends are credited, accrued interest/dividends will not be paid. Fees could reduce the earnings on an account.
    5. Balance Information. The minimum balance required to open each account is set forth in the Personal Rate Schedule. The minimum monthly balance required to avoid a service fee or obtain the stated Annual Percentage Yield is set forth in the Personal Rate Schedule. For Money Market accounts, there is a minimum balance required to avoid a service fee. For Primary Shares, Money Market, Secondary Shares (over 21) and IRA / SEP accounts, there is a minimum balance required to obtain the Annual Percentage Yield for the Dividend Period.
    6. Account Limitations. For Non-Profit Organizations and Money Market accounts, transaction limitations may apply. We may limit to no more than six (6) preauthorized, automatic, overdraft, Online and Mobile Banking, telephonic or audio response transfers from those accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to a fee. Refer to the Membership & Account Agreement for additional information. Intelligent Checking accounts are limited to one per account. Intelligent Savings accounts are limited to one per account. Refer to the Personal Fee Schedule for current pricing. Refer to the Easy Saver Terms and Conditions for program details, including limitations on deposits and withdrawals.

     

  • All Checking Accounts: *APY = annual percentage yield. Fees could reduce earnings on this account. Rate may change at any time after account is open. Click here for full account disclosures.


    Truth-in-Savings Disclosure: Except as specifically described, the following disclosures apply to all accounts.

    • Rate Information. The Interest/Dividend Rate and Annual Percentage Yield (APY) on your accounts are set forth in the Personal Rate Schedule. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest/dividends to be paid on an account based on the Interest/Dividend Rate and frequency of compounding for an annual period. The Interest/Dividend Rate may change monthly as determined by the Board of Directors. For all Money Market and IRA type share accounts, the rate may change weekly on Wednesdays as set by the Credit Union. If the Money Market balance drops below the Minimum Balance, then the interest rate will reflect the current share rate. Qualifying Intelligent Checking Accounts are tiered rate accounts. For these accounts, the interest rate applicable to a particular balance tier will apply only to the portion of the daily balance that is within the balance range for that tier. Terms and conditions to earn the Intelligent Checking rates apply, please see the Intelligent Checking Terms & Conditions for more information. Terms and conditions to earn the Intelligent Savings rate apply. Please see the Intelligent Savings Terms & Conditions for more information.
    • Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield set forth in the Personal Rate Schedule are prospective rates that reflect the earnings the Credit Union anticipates paying for the Dividend Period.
    • Compounding and Crediting. For all accounts, interest/dividends will be compounded and credited monthly. The Dividend Period begins on the first calendar day of the month and ends on the last calendar day of the month.
    • Accrual of Interest/Dividends. Interest/dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest/dividends begin to accrue on cash and non-cash (e.g., checks) deposits on the business day you make the deposit to your account. For all accounts, except Money Market and IRA / SEP accounts, if you close your account before accrued interest/dividends are credited, accrued interest/dividends will not be paid. Fees could reduce the earnings on an account.
    • Balance Information. The minimum balance required to open each account is set forth in the Personal Rate Schedule. The minimum monthly balance required to avoid a service fee or obtain the stated Annual Percentage Yield is set forth in the Personal Rate Schedule. For Money Market accounts, there is a minimum balance required to avoid a service fee. For Primary Shares, Money Market, Secondary Shares (over 21) and IRA / SEP accounts, there is a minimum balance required to obtain the Annual Percentage Yield for the Dividend Period.
    • Account Limitations. For Non-Profit Organizations and Money Market accounts, transaction limitations may apply. We may limit to no more than six (6) preauthorized, automatic, overdraft, Online and Mobile Banking, telephonic or audio response transfers from those accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to a fee. Refer to the Membership & Account Agreement for additional information. Intelligent Checking accounts are limited to one per account. Intelligent Savings accounts are limited to one per account. Refer to the Personal Fee Schedule for current pricing. Refer to the Easy Saver Terms and Conditions for program details, including limitations on deposits and withdrawals.

  • Intelligent Checking®: [[iq:checking:checking-qualifying-low.title_date]]. All rates subject to change. No monthly fee. To earn the Intelligent Checking rate of [[iq:checking:checking-qualifying-low.column_2]] APY on balances up to and including $25,000, and [[iq:checking:checking-qualifying-high.column_2]] 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 [[iq:checking:checking-non-qualifying.column_2]] 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.

  • *APY= Annual Percentage Yield.

    Intelligent Savings: Qualifying [[iq:checking:savings-qualifying.column_2]] APY accurate as of [[iq:checking:checking-qualifying-low.title_date]]. To earn the qualified Intelligent Savings Rate, you must have an Intelligent Checking Account and meet all monthly qualifiers. If account requirements are not met, the non-qualifying rate will be [[iq:checking:savings-non-qualifying.column_2]] APY. Existing savings accounts cannot be converted to an Intelligent Savings—a new account must be opened.

    Intelligent Checking: Qualifying [[iq:checking:checking-qualifying-low.column_2]] APY is accurate as of [[iq:checking:checking-qualifying-low.title_date]] (up to $25,000; amounts over $25,000 earn [[iq:checking:checking-qualifying-high.column_2]] APY). To earn the qualifying rate, your Intelligent Checking must meet the following monthly requirements: twelve (12) debit or credit card transactions, direct deposit of at least $100 per month, log into online banking at least once per month, and receive e-statements. If account requirements are not met, the non-qualifying rate will be [[iq:checking:checking-non-qualifying.column_2]] APY. New accounts will receive the qualifying dividend rate for the first statement cycle. All requirements must be met with transactions posted and cleared by the close of the business day before the last day of the month. ATM transactions do not count toward the 12 debit card transactions. Bundle: Dividend paid on the last day of the month in which it is earned. Qualifiers must be on the Intelligent Checking account that is within the same membership as the Intelligent Savings account. There is no monthly fee for these accounts. Only one Intelligent Bundle per membership. All rates are subject to change.