Welcome to Ideal

Digital Banking

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Join Us on August 6th for August 6th for Food, Fun, Prizes and Celebration!

Ideal Credit Union is excited to celebrate YOU at our Member Appreciation Event! We will be serving lunch from Aesop's Table with fun giveaways at our in-person event from 11:00 AM to 1:00 PM on August 6th at the North St. Paul Branch. All are welcome and you do not need to be a member to win.

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Home Equity Borrower's Choice

Choose the option that best suits your borrowing needs!

On a NEW Home Equity Line of Credit: Choose 4.99% APR for the First 6 Months OR $700 off Closing Costs* 

Or on a NEW Home Equity Loan: Choose a 0.25% Rate Reduction OR $700 off Closing Costs**

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Home Equity Borrower's Choice

For the second consecutive year, Ideal Credit Union is ranked #1 on the list of illustrious credit unions in Minnesota.

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Meet IDA!

Did you know? IDA is available 24/7 to help you with Smart Transactions! Whether you need to check your balance, make payments or transfer funds, IDA is here to make your life easier any time of day or night. Get ready to experience the future of banking with IDA, your trusted Ideal Digital Assistant.

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Ideal Wealth Advisors

Whether you have one financial issue you want to tackle today or realize it's time to put together a comprehensive financial strategy, Ideal Wealth Advisors will take the time to listen and learn about your unique situation.

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Important Fraud Alert for All Members

Reminder that Ideal CU will never contact you and ask for any identifying account information. If you believe you have given personal information to a scammer, contact us immediately.

Stay up-to-date with the latest cyber security news with our Cyber Security Resources page.

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10/1 ARM

6.250% Rate

6.977% APR**


Home Equity

Line of Credit

as low as

4.99% APR*




as low as

5.99% APR*


Credit Cards


as low as

9.90% APR*


High Yield Checking


up to

5.00% APY*


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