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When you join iQ, your savings account is your passport to iQ membership privileges. We offer a bunch of easy ways to save:

With all iQ accounts, you get great value-added services, such as:

  • Mobile banking
  • Online banking
  • Direct deposit
  • iQ also belongs to a nationwide network that gives you access to 30,000 ATMs with absolutely no fees.

It pays to be an iQ member, especially if you take advantage of our iQ Member Perks.

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Easy Saver

You know the old saying, “You have to spend money to make money”? At iQ, that is literally true with our Easy Saver program.

Once you enroll in Easy Saver, you earn money with every debit card transaction. Every time you make a debit card purchase, the amount is automatically rounded up to the next dollar, and the difference is deposited into your savings account. Every quarter you receive a match of 5% on everything you save, up to $300 each year.

When you spend using Easy Saver, it literally puts money in the bank!

Learn More

Money Market Accounts

iQ’s money market accounts offer competitive interest rates and give you more flexibility with your savings.

Maintain a balance of $1,000 to start, and watch your money grow. Depending on your balance, you land in one of four tiers, each with its own APY—the more you deposit, the higher the return.

Rates are calculated daily, and funds are readily accessible. You can make up to six withdrawals per month without incurring fees.

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Individual Retirement Accounts

Use your savings account to help chart your path for retirement planning. iQ offers competitive rates on IRA certificates. Opening an IRA account is your first step to a more secure future.

Looking for other savings options? You might also consider opening a money market account or purchasing certificates of deposit.

Learn More

Certificate of Deposit

Certificate of deposit (CDs) are a risk-free way to save money and earn a higher yield. Certificates of deposit give you a higher interest rate in exchange for a commitment to save the money for a period of time, from a few months to a few years. You get a guaranteed rate of return, and your money is secure.

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See what our members have to say

"I feel that iQ Credit Union has prepared me for a life of financial literacy."

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Savings + IRA FAQs

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 (21 and older)- $5.00
  • Minor Accounts (20 and younger)- $5.00
  • Non-Profit Organizational Accounts- $5.00
  • Business Accounts- $5.00

Other Requirements:

Valid Social Security number, Tax ID number or Employee Identification number:

For non-citizens that do not have a TIN, a signed W-8BEN form must be obtained and acceptable identification such as a US-issued Alien ID card or foreign passport showing evidence of nationality/residence.

Residential Address:

Applicants must provide their physical address on the account application

A PO box may be provided as a mailing address, as long as a physical address is also provided.

If ID displays a previous address; a utility bill, rental agreement or mortgage paperwork showing their name may be used to verify new address.

Identification:

U.S. Adult Persons (18 years of age & older):

  • State-issued Driver’s License
  • State-issued ID Card
  • State-issued Department of Corrections Card (with photo & signature)
  • S. Passport or U.S. Passport Card
  • S. Military ID Card (do NOT photocopy or scan)
  • Tribal ID Card (may not have a photo)

U.S. Children & Students (Ages 17 & under):

  • Primary ID for minor children is their parent or guardian
  • For High School students (age 17 & under)
    • State-issued Driver’s Intermediate License
    • State-issued Driver’s Instruction Permit
    • State-issued ID Card
    • Student ID Card– must be current school year (may or may not have a photo)

Non-U.S. Persons (All ages):

  • Permanent Resident Card
  • Foreign Passport
  • Foreign Government ID with photo
  • Cédula Card
  • Mexican Matricula Consular ID

Required Documents for Business Accounts:

Corporation:

  • Corporate Bylaws
  • Articles of Incorporation
  • Proof of registration with the Secretary of State
  • Business License
  • Federal Tax ID Number (TIN) or Employer Identification Number (EIN)
  • Valid ID for all signers

Limited Liability Company (LLC):

  • Limited Liability Operating Agreement or Company Agreement
  • Proof of registration with the Secretary of State
  • Business License
  • Federal Tax ID Number (TIN) or Employer Identification Number (EIN)
  • Valid ID for all signers

Partnership:

  • Partnership Agreement
  • Proof of registration with the Secretary of State
  • Business License
  • Federal Tax ID Number (TIN) or Employer Identification Number (EIN)
  • Valid ID for all signers

Sole Proprietorship:

  • Business License
  • Federal Tax ID Number (TIN) or Employer Identification Number (EIN) or Social Security Number
  • Valid ID for all signers

Association, Club, & Organization Accounts:

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

There are limits imposed by Federal Regulation D on the number of transfers you can make from your Savings or Money Market Account. (These are remote or automated transfers without your physical presence at a branch.) The types of transfers subject to these limitations include:

  • Overdraft transfers made automatically to cover insufficient funds
  • Transfers made by Member Service Representatives on your behalf that are requested by phone or secure email
  • Automated, scheduled, preauthorized, or recurring transfers
  • Transfers made through online or mobile banking
  • Transfers made through telephone banking

Six transfers are allowed per savings account per calendar month, either to another iQ account or to a third party.

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