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Digital Banking

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Get 1.99% APR* for 6 months on an Ideal Home Equity Line of Credit (HELOC)

Do it all with a Home Equity Line of Credit at Ideal Credit Union. Right now you could enjoy 1.99% APR for the first 6 months on your new line. Apply today — special intro rate available February 15 through May 31, 2021.

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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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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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Welcome to Ideal

Digital Banking

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

First time logging in?

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First time logging in?

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Learn more
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
30 Year Fixed 3.250% 3.398%
FHA - 30 Year Fixed 2.750% 3.994%
VA - 30 Year Fixed 2.750% 2.984%
15 Year Fixed 2.500% 2.857%
10/5 Year ARM 2.875% 3.534%
*APR is Annual Percentage Rate. APY is Annual Percentage Yield. Rates subject to change at any time.

What's New

Member Benefits

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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.

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.

2021 - 22 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 18th
All locations closed.

President's Day
Monday, February 15th
All locations closed.

Good Friday
Friday, April 12th
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 31st
All locations closed.

Independence Day
Sunday, July 4th
All locations closed.

Labor Day
Monday, September 6th
All locations closed.

Columbus Day
Monday, October 11th
All locations closed.

Veterans Day
Thursday, November 11th
All locations closed

Thanksgiving Day
Thursday, November 25th
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
Friday, 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
Saturday, December 25th
All locations closed.

New Year's Eve
Friday, December 31st
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)
Saturday, 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. COVID-19 Updates Page

Paycheck Protection Program (PPP): now taking applications. Visit our COVID-19 Business Resources for more information and to apply.

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

    Paycheck Protection Program (PPP): now taking applications. Visit our COVID-19 Business Resources for more information and to apply.