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Current Promotions

Current Promotions & Specials

Ideal Checking & $1,000 Monthly Drawing1

Bank fees heating up? Move your checking account to Ideal CU for a monthly chance to win $1,000 - PLUS all the other perks.

All Ideal personal checking accounts come with a monthly chance to win $1,000. How? Simply use your free Ideal CU Debit Mastercard for everyday purchases - every purchase earns you an additional entry into that month's drawing.

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Auto financing & no payments for 60 days2

Ideal Auto Financing. No Payments for the first 60 days. Always low rates. We push for YOUR affordable payment. Then we let you skip it for the first 60 days.

Experience the thrill of your new vehicle payment-free for the first 60 days. Looking to refinance? You can enjoy a lower rate and still take advantage of no payments for the first 60 days. We can't wait to help you with your next auto purchase or refinance!

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19 Month CD Special3

19 month cd special.

The 19 Month CD Special is back! Take advantage of earnings up to 2.48% APY.3

Learn More & See All CD Specials


Community heroes benefit from a special 1% mortgage down payment4

Community Heroes Mortgage Program. 1% down mortgage payment for eligible occupations including public/private education, fire department, government law enforcement, nursing,active/former military, emt & paramedics

If you work full or part-time in any of the following areas or are former military, you are eligible for a special 1% down payment offer on a traditional 30-year fixed rate4 or adjustable rate mortgage.

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Rates as of:

1. Minimum $50 deposit required to open a personal checking account. Random drawings for the $1,000 giveaway will be conducted once a month for the promotional period beginning January 2019 through December 2019 from all eligible entries received. One (1) $1,000 prize winner will be selected at random each month. Must be member in good standing and have not caused a loss to Ideal Credit Union. Ideal CU Student and Business Accounts are not eligible. Offer excludes Ideal Credit Union employees and accounts on which an employee is joint, Board of Directors and Supervisory Committee members of Ideal CU. See Official Rules.

2. Skipping payments for the first 60 days will increase the amount of interest you pay and will take you longer to payoff the loan. The regular loan payment will begin within 60 days of the date your loan is funded.

3.The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Rates subject to change at any time. CDs with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned. CD Specials will roll into a standard term certificate at maturity.

4. Payment example: On a $250,000 home loan at 5.176% APR for a 30 year term, monthly payments would be $1,369.07 per month. Payments do not include applicable taxes and insurance and may result in higher payments. Ideal Community Heroes Mortgage Program is available to applicants employed full or part-time in the following areas or are current/former military: Public or private educational institution, Fire Department, Federal, State or Local Government Law Enforcement Agency, Nursing (all designations), Active or formal Military, EMTs and Paramedics. Mortgage is restricted to the primary residence (purchase only).Proof of current employment and/or former military service will be required. Full disclosures and terms will be provided during consultation with an ideal Mortgage Loan Advisor. All applicants are subject to credit approval and eligibility for this program does not guarantee an offer of credit. Applicants must also be eligible for membership at Ideal Credit Union. Ideal Credit Union reserves the right to modify and/or cancel this program at any time.