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Enhanced Ideal

Digital Banking

Internet Explorer version 11 and lower no longer supported by Ideal Digital Banking.


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Make a loan payment
Savings Rates
Deposit Accounts
APY* as high as
Loan Rates
Loan Options
APR* as low as
Mortgage Rates
Mortgage Options
Rate
APR* as low as
Add .25% to the rate for refinances.
30 Year Fixed 2.875% 3.018%
FHA - 30 Year Fixed 3.875% 5.041%
VA - 30 Year Fixed 3.875% 4.133%
15 Year Fixed 2.625% 2.882%
10/5 Year ARM 2.750% 3.407%
*APR is Annual Percentage Rate. APY is Annual Percentage Yield. Rates subject to change at any time.

Member Benefits

Family in front of house

Our Family Earned
$2,500 in cash back

Learn How

Use & Win $1,000
Monthly Giveaway

Ideal Credit Union will be giving away $1,000 to one lucky winner each month in 2020. The key to your chance of winning is to have an Ideal Personal Checking Account and to use your Ideal Debit or My Rewards™ Debit Card for everyday purchases.

Learn More

OUR LOCATIONS

Due to COVID-19, branch hours and availability may vary. Please see our Branch Updates Page for more information.

Eagan

Drive-thru: Regular Business Hours
Lobby: Appointment-Only

3225 Denmark Ave.
Eagan, MN 55121

Inver Grove

Temporarily Closed

7791 Amana Trail,
Inver Grove Heights MN 55077

Hugo

Drive-thru: Regular Business Hours
Lobby: Appointment-Only

14750 Victor Hugo Blvd. N.
Hugo MN 55038

Woodbury

Drive-thru: Regular Business Hours
Lobby: Appointment-Only

8499 Tamarack Rd.
Woodbury MN 55125

North St. Paul

Drive-thru: Regular Business Hours
Lobby: Appointment-Only

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

Stillwater

Drive-thru: Regular Business Hours
Lobby: Appointment-Only

2020 Washington Ave S
Stillwater, MN 55082

Share Insurance Information
NCUA logo homepage 1017

 

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

To learn more, visit the NCUA website.

Share Insurance Information
NCUA logo homepage 1017

 

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

To learn more, visit the NCUA website.

2020 - 21 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 20th
All locations closed.


President's Day
Monday, February 17th
All locations closed.


Good Friday
Friday, April 10th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 25th
All locations closed.


Independence Day
Saturday, July 4th
All locations closed.


Labor Day
Monday, September 7th
All locations closed.


Columbus Day
Monday, October 12th
All locations closed.


Veterans Day
Wednesday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 26th
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Thursday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day
Friday, December 25th
All locations closed.


New Year's Eve
Thursday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day (2021)
Friday, January 1st
All locations closed

Online Banking Enrollment Unavailable

New enrollment (for members who have never used Ideal Online or Mobile Banking) is currently unavailable in anticipation of the enhanced Digital Banking upgrade on Tuesday, September 25th. Learn More about enhanced Ideal Digital Banking

COVID-19 Information: Ideal CU's Inver Grove Heights Branch is temporarily closed. Visit our COVID-19 Updates Page for more information.

  • COVID-19 Information: Ideal CU's Inver Grove Heights Branch is temporarily closed. Visit our COVID-19 Updates Page for more information.