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Account Management

Loan Management

Your loan makes you a member

Whether you established your loan directly through Ideal Credit Union or through a dealership, you're now a member of Ideal Credit Union. Below you'll find payment options for your new loan.

Payment options and account access

To help you get started, we've provided your payment options below. If you have any questions regarding these options, please visit us at any Ideal Credit Union branch or call us at 651-770-7000.

Automatic Monthly EFT Payment

Set up an automatic monthly recurring payment from a different financial institution.

Submit Online

Download Form

Check by phone: $12.00

Running short on time? Avoid a late charge and make a next-day loan payment over the phone by calling us at 651-770-7000. Submit your request before 3:00 p.m. CST to ensure your payment will be processed the following business day.

Make payments from an Ideal Checking Account

Open an Ideal Checking Account and establish a direct deposit to make your loan payments automatically from that account.

2018 - 19 Holiday Hours

Christmas Eve (2018)
Monday, 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 (2018)
Tuesday, December 25th
All locations closed.


New Year's Eve (2018)
Monday, 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 (2019)
Tuesday, January 1st
All locations closed



Martin Luther King Jr Day
Monday, January 21st
All locations closed.


Presidents' Day
Monday, February 18th
All locations closed.


Good Friday
Friday, April 19th
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 27th
All locations closed.


Independence Day
Thursday, July 4th
All locations closed.


Labor Day
Monday, September 2nd
All locations closed.


Columbus Day
Monday, October 14th
All locations closed.


Veterans Day
Monday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 28th
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.