Why Choose iQ’s Legendary Lineup?
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Deposit Rates Checking, Savings
Checking
Rates Effective as of November 1, 2025
| Description | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance | Minimum to Open |
|---|---|---|---|---|
| Intelligent Checking Qualifying $0—$25,000 |
Interest Rate 4.889% | Annual Percentage Yield (APY) 5.00% | Minimum Balance $0.00 | Minimum to Open $0.00 |
| Intelligent Checking Qualifying $25,000+ |
Interest Rate 0.250% | Annual Percentage Yield (APY) 0.25% | Minimum Balance $0.00 | Minimum to Open $0.00 |
| Intelligent Checking Non Qualifying | Interest Rate 0.050% | Annual Percentage Yield (APY) 0.05% | Minimum Balance $0.00 | Minimum to Open $0.00 |
| Interest Checking | Interest Rate 0.050% | Annual Percentage Yield (APY) 0.05% | Minimum Balance $0.00 | Minimum to Open $0.00 |
| Regular Shares (Savings) | Interest Rate 0.050% | Annual Percentage Yield (APY) 0.05% | Minimum Balance $100.00 | Minimum to Open $5.00 |
| IRA Shares | Interest Rate 0.300% | Annual Percentage Yield (APY) 0.30% | Minimum Balance $0.00 | Minimum to Open $0.00 |
| Roth IRA Shares | Interest Rate 0.300% | Annual Percentage Yield (APY) 0.30% | Minimum Balance $0.00 | Minimum to Open $0.00 |
| Intelligent Savings Qualifying | Interest Rate 2.960% | Annual Percentage Yield (APY) 3.00% | Minimum Balance $0.00 | Minimum to Open $0.00 |
| Intelligent Savings Non Qualifying | Interest Rate 0.050% | Annual Percentage Yield (APY) 0.05% | Minimum Balance $0.00 | Minimum to Open $0.00 |
Intelligent Checking®: Rates Effective as of November 1, 2025. All rates subject to change. No monthly fee. To earn the Intelligent Checking rate of 5.00% 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
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®: Rates Effective as of November 1, 2025. All rates subject to change. No monthly fee. To earn the Intelligent Checking rate of 5.00% 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
*APY= Annual Percentage Yield.
Intelligent Savings: Qualifying 3.00% APY accurate as of November 1, 2025. 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.
Credit Cards
Credit Cards
Rates Effective as of December 25, 2025
| Loan Type | APR for Purchases* | APR for Cash Advances* |
|---|---|---|
| Visa Platinum | APR for Purchases* 10.74% - 20.74% | APR for Cash Advances* 10.74% - 20.74% |
| Visa Platinum Cash Back | APR for Purchases* 12.74% - 21.74% | APR for Cash Advances* 12.74% - 21.74% |
| Visa Signature Travel | APR for Purchases* 13.74% - 19.74% | APR for Cash Advances* 13.74% - 19.74% |
| Visa Secured | APR for Purchases* 10.74% | APR for Cash Advances* 10.74% |
*APR= Annual Percentage Rate.
All Credit Cards: The current Wall Street Journal prime index rate is 6.75%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.
Disclosure for VISA® Signature Rewards | Disclosure for VISA® Platinum Rewards | Disclosure for VISA® Platinum | Disclosure for Shared Secured VISA® Platinum
Visa Platinum®2: After introductory period expires, Variable Annual Percentage Rate (APR) will be 10.74% - 20.74%. Rate current as of December 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 or 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount.
Visa Platinum® Cash Back3 : After introductory period expires, Variable Annual Percentage Rate (APR) will be 12.74% - 21.74%. Effective as of December 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 or 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount. Visa Platinum Cash Back Card Agreement
Visa Signature® Travel 4: After introductory period expires, Variable Annual Percentage Rate (APR) will be 13.74% - 17.74% for business card holders. Variable Annual Percentage Rate (APR) will be 13.74% - 19.74% for consumers. All Credit Cards - Rates Effective as of December 25, 2025.There is no annual fee for this credit card. Visa Signature guide to benefits available by clicking here. | Travel & Emergency Services details are available here.
Share Secured Visa Platinum®1: After introductory period expires, Variable Annual Percentage Rate (APR) will be 10.74% for consumers. Rate current as of December 25, 2025. There is no annual fee for this credit card. Cash advance fee is $5 or 2% of the cash advance total (whichever is greater) and the foreign transaction fee is 1% of the US dollar amount.