Try our Legendary Calculator to see how much you can earn each year.
Earnings Type | Current Bank | iQ Credit Union |
---|---|---|
Checking Earnings | $0 | $0 |
Savings Earnings | $0 | $0 |
Cashback Rewards | $0 | $0 |
With your current bank, you would earn $0.00. With iQ Credit Union, you could earn $0.00.
on balances up to $25,000
no minimum or maximum balance required
Earn 1.5% cash back on every dollar you spend
Earn more rewards points on your everyday purchases
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.
Eligibility for membership:
Minimum deposit to open an account:
Other Requirements:
Association, Club, & Organization Accounts:
The non-qualifying rate is .05% APY; currently the same as a regular savings account at iQ.
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.
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.
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.
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:
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
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.
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