Home Equity Closing Costs - $500!

Special offer on Home Equity Loans & Lines of Credit - closing costs capped at $500! Now is the perfect time to put the equity in your home to work. Available on applications taken now through July 31, 2022.

Cabin or Second Home Special

Looking to make your summer getaway more permanent? Ideal CU offers competitive low rates and multiple financing options for your Cabin or Second Home purchase.

Mortgage Origination Special

Save more on your home purchase or refinance with reduced home loan origination costs. Avoid a costly origination fee with Ideal CU's capped rate of no more than $995 available April 15 through July 31, 2022.

Manage It All With Ideal Digital Banking

Ideal Digital Banking puts you in control. Check balances, transfer funds, pay bills and even deposit checks using the Ideal Mobile Banking app.

Welcome to Ideal

Digital Banking

Digital Banking 101 Become a member
15-year fixed

4.875% Rate

5.013% APR*

Home Equity
Line of Credit
as low as

4.75% APR*

as low as

2.74% APR*

Credit Cards
as low as

9.90% APR*

High Yield Checking
up to

2.00% APY*

*APR is Annual Percentage Rate. APY is Annual Percentage Yield. Rates subject to change at any time.

Member Benefits

Family in front of house

Our Family Earned
$2,500 in cash back

Learn How

Use & Win $1,000
Monthly Giveaway

Ideal Credit Union will be giving away $1,000 to one lucky winner each month in 2022. The key to your chance of winning is to have an Ideal Personal Checking Account and to use your Ideal Debit or My Rewards™ Debit Card for everyday purchases.

Learn More


3225 Denmark Ave
Eagan, MN 55121

Inver Grove

7791 Amana Trail
Inver Grove Heights, MN 55077


14750 Victor Hugo Blvd N.
Hugo, MN 55038


8499 Tamarack Rd
Woodbury, MN 55125

North St. Paul

2401 N. McKnight Rd
North St. Paul, MN 55109


2020 Washington Ave
Stillwater, MN 55082