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VIP+ Program

Rewarding members since 2013

VIP+ is the program that rewards you for being a member of Ideal Credit Union

Since 2013, Ideal Credit Union has paid out over $3.6 million in earnings to VIP+ members to thank them for their business and loyalty. VIP+ members are eligible to receive two cashback dividends per year. These are calculated on the previous year’s account activity and are paid automatically to your Share Savings in January of each year.

Earn special dividends back into your pocket

VIP+ Member Benefits

  • Unlimited Ideal CU ATM transactions
  • 10 free non-Ideal ATM transactions per month
  • Free Ideal CU designed checks
    1 box per order - 2 box limit per calendar year
  • Free Automatic Overdraft Transfers from savings to checking
  • No annual fee for Overdraft Line of Credit**
  • Free check copies of check images
  • Free cashiers checks
  • Free Call Center transactions
Wealth Advisors Team Photo

Ready to become VIP?

Call us: 651-770-7000


*The above amounts will be paid for 2018 and are not guaranteed for 2019. The credit union reserves the right to modify and cancel the VIP+ program at any time and no member has a reasonable expectation that a VIP+ dividend will be paid in any year, or that terms will remain the same from year to year. Program excludes business checking, business loans, charged off loan members and delinquent loan members as of December 31, 2019.

**$20 annual fee for Overdraft Line of Credit waived for VIP+ members. VIP+ status is determined by transactional and account data through December 31st of the previous year and is valid through December 31st of current year. $20 annual fee will be charged for any year VIP+ status is not earned for any existing Overdraft Line of Credit. Overdraft Line of Credit rates available from 14% - 17.99% Annual Percentage Rate (APR). Actual rate based on applicant’s payment and credit history. Rates effective October 23, 2018 and are subject to change. Monthly payments are as follow: balances $500 or under: $20; balances $600 or under: $24; balances of $600.01 and over: payment is 4% of total balance.

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.