Why low fees matter.

With college costs increasing so dramatically — in-state tuition and fees at public universities, for example, have risen a staggering 296% from 1995 to 20151 — you should have every dollar working for you. That's why it's critical to consider cost when choosing the right college savings plan. IDeal has:

  • no commissions, loads, or sales charges
  • total annual asset-based fee of 0.50% ($5.00 per $1,000 invested)
  • $20 annual account fee waived for Idaho residents
  • Savings Portfolio: 0.34% − translates to annual cost of $3.40 per $1,000 invested

Contribute to your account your way.

You decide how much and how often you contribute to your IDeal account. Choose the method that's right for you:

Recurring contributions2

Save little by little by having your contributions come directly from your bank account monthly or even quarterly. With minimums of as little as $25 per month, or $75 per quarter, it's like saving a dollar a day.

Sign into your IDeal account and click Contribute or Make a Contribution. Click the “Electronically from your bank account” option and follow the onscreen steps.

Payroll direct deposit

Want to invest in college savings at work? Ask your Human Resources or payroll department about direct deposit from your paycheck into an IDeal account. Sign up for as little as $15 per paycheck.

Lump-sum contributions

Of course, you can contribute any time you like by check or Electronic Funds Transfer (EFT) directly from your bank ($25 minimum). 

Contributing by Check:

Contribution checks should be mailed here. If you have a contribution voucher, please include it with your check.  If you do not have a contribution voucher, please write the full name of the beneficiary in the check memo area and include a brief note indicating the amount to be deposited to the account, the Account Owner’s name and the Beneficiary’s name (the student you are saving for).

For security purposes, please do not include account numbers or social security numbers on your check or note.

Contributing by Electronic Funds transfer:

Sign in to your IDeal account and click “Contribute” or “Make a Contribution”. Click the “Electronically from your bank account” option and follow the onscreen steps. 

If you are not an IDeal Account Owner but would like to gift to an IDeal account electronically check with the Account Owner for the beneficiary’s Ugift code. Have a code? Enter it at Ugift529.com.

Other ways to contribute

  • Rollover from another 529 plan
  • Rollover from a Coverdell Education Savings Account or a qualified Series EE or Series I U.S. Savings Bond
  • Transfer of cash from an UGMA/UTMA account (Note: consult with a tax advisor as there may be tax consequences)
  • Give or receive the gift of college savings by using Ugift® − Give College Savings  ($25 minimum)
  • Upromise® ($25 minimum)

1 U.S. News and World Report, 20 Years of Tuition Growth at National Universities, July 29, 2015

2 A plan of regular investment cannot assure a profit or protect against a loss in a declining market.

Ascensus Broker Dealer Services is the distributor of IDeal - Idaho College Savings Program. Learn more about Ascensus Broker Dealer Services, Inc. on FINRA's BrokerCheck.

Important Legal Information

By clicking on one of the social media icons, you are leaving the IDeal website, maintained by Ascensus College Savings, and are being redirected to a social media site solely maintained by the Idaho College Savings Program Board (“Board”). Ascensus Broker Dealer Services, Inc., the program manager for IDeal, does not monitor or endorse the Board's social media activities. All IDeal social media activities are the sole responsibility of the Board.

Mr. Thiros is a registered representative of Ascensus Broker Dealer Services Inc., 877-529-2980, 95 Wells Ave, Newton MA (member FINRA/SIPC) and is not employed by the State of Idaho.

For more information about IDeal - Idaho College Savings Program ("IDeal"), call 866-433-2533 or click here to obtain a Disclosure Statement. The Disclosure Statement discusses investment objectives, risks, charges, expenses, and other important information. Because investing in IDeal is an important decision for you and your family, you should read and consider the Disclosure Statement carefully before investing. Ascensus Broker Dealer Services, Inc. ("ABD") is Distributor of IDeal.

Please Note: Before investing in any 529 plan, you should consider whether your or the beneficiary's home state offers a 529 plan that provides its taxpayers with state tax or other benefits that are only available through investment in the home state's 529 plan. You should consult your financial, tax, or other advisor to learn more about how state-based benefits (or any limitations) would apply to your specific circumstances. You also may wish to contact directly your home state's 529 college savings plan(s), or any other 529 plan, to learn more about those plans' features, benefits, and limitations. Keep in mind that state-based benefits should be one of many appropriately weighted factors to be considered when making an investment decision.

IDeal is administered by the Idaho College Savings Program Board ("Board"). ABD, the program manager, and its affiliates, have overall responsibility for the day-to-day operations, including investment advisory, recordkeeping and administrative services, and marketing. The Vanguard Group, Inc. ("Vanguard") serves as Investment Manager for IDeal. Sallie Mae Bank serves as the Savings Portfolio Manager for IDeal. IDeal's Portfolios invest in either: (i) mutual funds offered or managed by Vanguard; or (ii) an FDIC-insured omnibus savings account held in trust by the Board at Sallie Mae Bank. Except for the Savings Portfolio, investments in IDeal are not insured by the FDIC. Units of the Portfolios are municipal securities and the value of units will vary with market conditions.

Investment returns will vary depending upon the performance of the Portfolios you choose. Except to the extent of FDIC insurance available for the Savings Portfolio, you could lose all or a portion of your money by investing in IDeal, depending on market conditions. Account Owners assume all investment risks as well as responsibility for any federal and state tax consequences.

Not FDIC-Insured (except for the Savings Portfolio). No Bank, State or Federal Guarantee. May lose value.