Legendary Lineup

Your financial sidekick is here

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iQ's Legendary Lineup pairs our top products to make the most out of your money.

Try our Legendary Calculator to see how much you can earn each year.

Current Checking Account

Current Savings Account

Credit Card Rewards

Earnings Type Current Bank iQ Credit Union
Checking Earnings $0 $0
Savings Earnings $0 $0
Cashback Rewards $0 $0

Results

With your current bank, you would earn $0.00. With iQ Credit Union, you could earn $0.00.

Why Choose iQ’s Legendary Lineup?

Discover how our unique accounts come together for unstoppable savings and rewards
  • Wallet

    Earn 5.50% APY with Intelligent Checking

    on balances up to $25,000

    Piggy-Bank2

    Earn 3.50% APY with Intelligent Savings

    no minimum or maximum balance required

    Money-Grows2

    No monthly fees & no minimum balance requirements to start.

    Calendar-Money

    Simple monthly qualifications for higher earnings.

    ATM-2

    Access your money with 30,000+ fee-free ATMs nationwide.

Join iQ Credit Union today

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

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FAQ

What is the Legendary Lineup?

The Legendary Lineup is the perfect pairing of iQ’s Intelligent Checking, Intelligent Savings, and Visa®Credit Card, designed to help members maximize their earnings. By using these products together, members can earn higher interest on deposits and get rewarded for their everyday spending.

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

What is the non-qualifying rate for Intelligent Savings?

The non-qualifying rate is .05% APY; currently the same as a regular savings account at iQ.

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.

How can I open an Intelligent Checking account?

If you already have an iQ account, you can add another share – or checking 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.

How can I apply for a credit card?

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 5.50% annual percentage yield (APY)) if monthly requirements are met.

On balances exceeding $25,000.00, dividends are earned at 0.25% APY if monthly requirements are met.

Dividends are earned at 0.05% 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.

It's simple to track your progress towards meeting these requirements each month with our easy-to-use Intelligent Checking website in Digital Branch online and in our app.

Learn More

Disclosures

  • Disclosure: *APY= Annual Percentage Yield. All rates are subject to change.

    1 Intelligent Checking: Qualifying 5.50% APY is accurate as of 09/03/2024 (up to $25,000; amounts over $25,000 earn 0.25% 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 0.05% 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.

    2 Intelligent Savings: Qualifying 3.50% APY accurate as of 09/03/2024. 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 0.05% APY. Existing savings accounts cannot be converted to an Intelligent Savings—a new account must be opened. 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.

    3 Visa®️ Credit Cards: The amount stated for the Visa Signature is based on 1.5% cash back on $6,000 in purchase transactions per month (with $4,000 spent in category 1, and $1,000 being spent in each category 2 and 3 per month) for the entire calendar year. Visa Platinum Cash Back is based on $5,834 in purchase transactions per month for the entire calendar year. Cash advances and balance transfers do not count towards the cash back rewards. Your actual rewards may vary. Terms subject to change at any time. Earnings listed are examples based on the parameters specified above. All accounts are subject to member qualification, with credit cards additionally subject to our underwriting standards and approval. Visit http://iqcu.com/legendary-lineup for more information.