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Medical Checking

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Provides a checking option that allows you to save for medical and nursing home costs while reducing the amount of Idaho income tax you owe.

A Medical Savings Account (MSA) is an account intended to encourage savings for future medical expenses. Deposits to your MSA that are within the maximum contribution limit are tax-deductible for Idaho state income tax purposes.

An MSA checking account works a lot like a regular checking account: you set aside money toward medical expenses, and you make withdrawals for eligible medical expenses, such as your monthly health insurance premium. There are a number of eligible, out-of-pocket expenses for which you can use your MSA savings. Stop by the Credit Union or give us a call for more information.

Idaho State University Debit Card

Get your own custom ISU debit card… instantly!


Tradition never graduates. Show your Bengal pride with a custom debit card from ISU Credit Union. A portion of each swipe supports Idaho State Univeristy. Roar, Bengals Roar!

Stop by your local branch and get your custom debit card printed instantly!


Features & Benefits

  • FREE Direct Deposit and Payroll Deductions
  • Anytime phone access through PAT, our automated phone system
  • FREE Notary Public Service

Checking Rates

Table data for Checking Rates
Minimum Balance Compounded / Paid Annual Percentage Yield (APY)1 Monthly Due Alert Me
REWARDS Plus Checking $0.01-$20,0002 Monthly 1.50% $3
$20,000+2 Monthly 0.15%
If qualifications not met3 Monthly 0.01%
Senior Checking $25.00 Monthly/Monthly 0.01% $3
Basic Checking $25.00 N/A 0.00% $0
Youth Debit Account $25.00 N/A 0.00% $0
Money Market Checking $2,500 + Monthly 0.25% $6.50 (Fee waived with $2,500 daily balance)
Share rates effective 07/01/2017 Money Market Rates effective 03/23/2020. The dividend rate and annual percentage yield may change at any time, as determined by the ISU Credit Union Board of Directors. A list of terms and conditions which apply to the above accounts is available at the Credit Union. Fees could reduce the earnings on the accounts. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate.
  • 1APY = Annual Percentage Yield
  • 2Annual Percentage Yield (APY). Account balances over $20,000 will be paid 0.15% APY on the balance over $20,000. A “qualification cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Accounts which do not meet the three monthly qualifications will earn 0.01% APY on the entire account balance. REWARDS Plus checking is available only on personal accounts.
  • 3Requires monthly qualifications: 12 debit card purchases, a direct deposit or automatic payment, receive electronic statement.


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