Personal Loans & Lines
Personal Loan Options
It's your ideal life — we're here to help you live it. Browse our personal loan options and select the one that fits your goals best. Then simply apply online to get started.
Achieve your goals or afford unexpected expenses with an Ideal Signature Loan. Enjoy low rates and fixed payments.
Advance funds as needed or use this line of credit to back up your checking account in the event of an overdraft.
Back up this loan option with your savings or a CD. This is a good way to grow your credit score with low risk and a low rate.
Perfect for homeowners who need quick funds for renovations or new appliances but don't have equity in their home to work with.
Personal Loans & Lines Rates
|Personal Loans & Lines|
|Type||Term||APR* as low as|
|Signature1 up to $5,000||Up to 36 months||12.99%||Apply|
|Signature1 over $5,000||Up to 60 months||12.99%||Apply|
|Overdraft Line of Credit||Up to 30 months||14.00%||Apply|
|Share Secured2||Up to 60 months||Current deposit rate + 3.00%||Apply|
|Home Improvement Loan3||Up to 60 months||7.50%||Apply|
*APR = Annual Percentage Rate
2. The Shared Secured Loan is only available to current members who have checking account in good standing with Ideal Credit Union.
3. Maximum loan amount is $25,000. A minimum credit score of 680 is required to obtain this loan. Offer is subject to normal credit qualifications. Payment Example: On a No Equity Home Improvement Loan with a term of 5 years at 7.50%APR, monthly payments would be $500.95.