Welcome to Ideal

Digital Banking


Digital Banking 101 Become a member

NEW Home Equity Line of Credit Special: 4.99% APR* for the first 6 Months!

Access as little or as much of your credit line as you need for home renovations, a well-deserved vacation, debt consolidation, school tuition, wedding expenses or anything else you may need. Do it all with an Ideal Home Equity Line of Credit!

Limited-Time Special — Offer Ends May 31, 2024.

See Details

High Yield Savings Account

Our groundbreaking High Yield Savings program enables your savings to flourish. Supercharge your savings and take a step closer to your ideal life with Ideal CU's NEW High Yield Savings Account. Securing your financial future has never been more ideal!

See Requirements

Empowering Your Student
Loan Repayment Journey

Ideal CU offers a comprehensive guide to empower you in your student loan repayment journey. Let us help you master your student loan management and continue living your ideal life!

See Our Guide

Refinance Your Auto Loan With Ideal

Ideal’s rates afford you a whole new reason to smile about your favorite set of wheels. Find out how much you could save and apply online today!

Learn More & Apply

Refinance Your Auto Loan With Ideal

Ideal’s rates afford you a whole new reason to smile about your favorite set of wheels. Find out how much you could save and apply online today!

Learn More & Apply

Unlock Your Home's Potential With RenoFi

Ideal Credit Union has partnered with RenoFi to provide members an option to get the most money and lowest monthly payment for your home renovation. Once approved, homeowners receive 100% of cash up front. No draws, no inspections.

Learn More

Open the door to adventure with your Ideal CU Blue Rewards Credit Card

Earn CU Rewards Points redeemable for travel opportunities and valuable merchandise from name brands. Where will your Ideal CU Blue Rewards Visa® take you?

Learn More & Apply

Refinance Your Home with Ideal CU

Cozy up to a new low rate or payment with a 10- or 15-year fixed rate mortgage option. You'll be surprised at how much you may be able to save with Ideal CU.

Learn More & Apply

Leverage Your Home's Equity

Access the equity in your home and use it to fund home improvements, major expenses, debt consolidation or even a much deserved vacation.

Learn More & Apply

Find Your Ideal Auto Loan

Spring into a new set of wheels or refinance your current vehicle with rates as low as 6.49% APR* and with no payments for the first 90 days!*

Learn More & Apply
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Mortgages

10/1 ARM

6.250% Rate

6.936% APR**

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Home Equity

Line of Credit

as low as

8.50% APR*

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Auto

Loans

as low as

6.24% APR*

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Credit Cards

Rates

as low as

9.90% APR*

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High Yield Checking

Earn

up to

5.00% APY*

Eagan

3225 Denmark Ave
Eagan, MN 55121

Inver Grove

7791 Amana Trail
Inver Grove Heights, MN 55077

Hugo

14750 Victor Hugo Blvd N.
Hugo, MN 55038

Woodbury

8499 Tamarack Rd
Woodbury, MN 55125

North St. Paul

2401 N. McKnight Rd
North St. Paul, MN 55109

Stillwater

2020 Washington Ave
Stillwater, MN 55082