Turn Your House Into Your Dream Home

We're offering up to $500 off closing costs on a Home Equity Loan or Line of Credit through December 31st, 2021. Make home improvements, consolidate debt, afford unexpected expenses, and more.

$16,000 Available in Scholarships

The Foundation Scholarship Council (FSC) is excited to kick off the 2021-22 scholarship program! $16,000 In Scholarship Funds Up For Grabs — Apply By November 30th.

The New Debit Card RoundUp Program Helps You Save with Every Purchase

Enroll in the Debit Card RoundUp Program to start saving with every purchase on your Ideal Debit Card. Once enrolled, your transactions will round up to the nearest dollar and the change will transfer right into your savings account. Easy!

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

Learn more
Make a loan payment
Savings Rates
Deposit Accounts
APY* as high as
Loan Rates
Loan Options
APR* as low as
Mortgage Rates
Mortgage Options
APR* as low as
30 Year Fixed 3.250% 3.354%
FHA - 30 Year Fixed 3.250% 3.976%
VA - 30 Year Fixed 3.250% 3.495%
15 Year Fixed 2.375% 2.561%
10/5 Year ARM 2.750% 3.407%
*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 2021. 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