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Become a member of Ideal Credit Union

Why choose Ideal Credit Union?

At Ideal Credit Union, We help you achieve your Ideal Life, whatever you determine that to be. We help you move from goals to reality. As a member-owned financial institution, our goal is to make our products more affordable, our rates more competitive, our services more personal, and our communities stronger through donations and volunteer commitments, while also rewarding members with patronage dividends.

Only you can know what ideally matters most to you: a new car, a home, debt consolidation and management, higher-education or investments for a secure retirement. You can count on us to provide easy access to Ideal financial solutions, so you can shape and experience the Ideal Life and enjoy success on your own terms.


Membership eligibility

Anyone can become a member of Ideal Credit Union. Meet one of the two criteria below to be eligible:

  1. Live, work, worship, attend school or volunteer in Anoka, Chisago, Dakota, Hennepin, Ramsey or Washington counties.
  2. OR make a one-time $5.00 donation to the John D. Miller Foundation. Your donation is made automatically during the account opening process.

Already a member?

Open additional accounts or apply for a loan

Opening additional accounts or applying for a loan is simple.

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