Ideal Credit Union | MN Credit Union

Save on your home purchase or refinance during our origination special

Save more on your next home purchase or refinance with a reduced mortgage origination fee of no more than $995. Apply by July 31, 2021!

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The New Debit Card RoundUp Program Helps You Save with Every Purchase

Enroll in the Debit Card RoundUp Program to start saving with every purchase on your Ideal Debit Card. Once enrolled, your transactions will round up to the nearest dollar and the change will transfer right into your savings account. Easy!

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Manage it all with Ideal Digital Banking

Ideal Digital Banking puts you in control. Check balances, transfer funds, pay bills and even deposit checks using the Ideal Mobile Banking app.

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Welcome to Ideal

Savings Rates

Deposit Accounts

APY* as high as

Premium Money Market	0.25%
High Yield Money Market	0.50%
Certificates	1.06%
Business High Yield Money Market	0.50%
Share Savings	0.05%

Loan Rates

Loan Options

APR* as low as

Auto Loans	2.29%
Credit Cards	9.15%
Home Equity	3.99%
Boat, RV, Motorcycle	3.74%
ATVs, UTVs, Watercraft	5.04%

Mortgage Rates

Mortgage Options

Rate

APR* as low as

30 Year Fixed	3.000%	3.144%
FHA - 30 Year Fixed	2.750%	3.994%
VA - 30 Year Fixed	2.750%	2.984%
15 Year Fixed	2.375%	2.627%
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.

What's New

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 2021. 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.

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OUR LOCATIONS

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