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Loan Management

Loan Management

Your loan makes you a member

Whether you established your loan directly with Ideal Credit Union or through a dealership, you are 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

Mail-in loan payments

All mail-in loan payments should be addressed to Ideal Credit Union's North St. Paul branch:

Ideal Credit Union
2401 N. McKnight Rd
North St. Paul, MN 55109

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.

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