Ideal Credit Union

Credit Cards

Find the right card for you

VISA® Credit Cards

Ideal Credit Union makes it easy to find the right credit card for you. Choose between the valuable CURewards Program linked to the Ideal Blue Rewards Credit Card or the fixed rate Gold Credit Card that allows you to earn monthly cash back on eligible purchases.

Whichever card you choose, you're guaranteed a convenient, secure way to pay for whatever matters most to you.

Blue Rewards Credit Card

blue rewards credit card

Earn points for every dollar and redeem those points for top-brand merchandise and travel opportunities. Learn more

No Annual Fee
Variable rates as low as 9.15% APR¹
CURewards Program
Zero Liability coverage

Gold Credit Card

Gold Credit Card

Enjoy a low fixed rate and earn a .5% rebate for every dollar in new net purchases of $500 or higher. Learn more

No Annual Fee
Fixed rates as low as 9.90% APR²
Monthly cash back earnings
Zero Liability coverage

Earn 1,500 Bonus CURewards Points

Open a new Ideal Blue Rewards VISA® and spend $1,000 in the first 60 days to earn 1,500 bonus CURewards Points. Learn more about the CURewards Program.

Rates as of:

1. Ideal CU Blue Rewards Variable APR (Annual Percentage Rate) ranges from 9.15% - 17.15% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Transaction fees for balance transfer and convenience checks are 2% of the amount of each transfer not to exceed $75.00 (Minimum $10) and Cash Advance fees are 2% of each advance (Minimum $10.00). Foreign Transaction fees are 2% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.

2. Ideal CU Gold fixed APR (Annual Percentage Rate) ranges from 9.90% - 15.90% dependent on creditworthiness. Transaction fees for balance transfer and convenience checks are 2% of the amount of each transfer not to exceed $75.00 (Minimum $10) and Cash Advance fees are 2% of each advance (Minimum $10.00). No annual fee. Foreign Transaction fees are 2% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.

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