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The Ideal Home Improvement Loan

A quick and easy way to install new appliances
or renovate your home on the fly with minimal equity.

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Home Improvement Loan

The Ideal Home Improvement Loan is perfect for homeowners who need quick funds for renovations or new appliances but have minimal equity to work with. This could include:

  • New appliances such as a furnace, air conditioner, washer/dryer, refrigerator, etc.
  • New carpeting or flooring
  • Larger projects such as a new kitchen, bathroom, deck, or gazebo
  • Materials such as paint, drywall, sheetrock, etc. and more!

Loan Terms:

  • 6.50% rate
  • $25,000 maximum loan amount
  • Terms up to 5 years
  • 680 Minimum credit score required

 

 

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FREE CHECKING

AND $100 IN GIFT CARDS!1

You could also earn a $50 Cash Bonus, too!2

+

$100 in gift cards when you open a new Ideal Free Checking!

As a thank you for choosing Ideal Credit Union, we are extending to you this exclusive checking offer. Simply open a new Ideal Free Checking account online and you will receive $100 in eGift cards1!

You could also earn a $50 Cash Bonus, too!

After you open your Ideal Free Checking account and sign up for eStatements, complete any two of these three steps within 60 days of your account opening and we’ll deposit $502 into your new account:

  1. Establish a recurring Direct Deposit.
  2. Use your FREE Cash & Check card 10 times.
  3. Use online Bill Pay 5 times.

Open Now


1. Promotional Gift cards are valued at $25 each with available shopping credit to be used at four (4) different eOutlet Store retailers. Gift card value may be applied toward the purchase of products, services, and S&H fees exclusively from the specific websites noted on the gift cards. Only one (1) gift card may be redeemed per transaction. Gift cards have no cash value, are not redeemable for cash and may not be combined with credits from other store gift cards. Other terms and conditions apply—see eOutletStores.com for full details and restrictions. Gift offer only available while supplies last.
2. The $50 cash reward offer is valid for new personal checking accounts only for a limited time and may be withdrawn without notice. The cash reward is not considered part of the minimum opening balance and is subject to 1099 reporting requirements. Minimum $50.00 to open a personal checking account. Checking account must remain open for a minimum of six months or the cash reward will be debited from the account during closing transaction. Recurring monthly deposits, direct deposit of governmental or payroll checks into checking account, Check Card and Online Bill Pay transactions must be completed within 60 days of account opening. Enrollment in eStatements is required. Check Card transactions posted to your account must be signature based to be eligible for the cash reward. We reserve the right to disqualify Cash & Check Card, Bill Pay, and recurring deposit transactions in circumstances where we reasonably believe they were not made in good faith. The cash reward will be automatically deposited 6 to 8 weeks after the conditions noted have been met. Credit union rules and regulations apply. Excludes student and business accounts.

Enter for a chance to win a $100 Gas Card!

Submit a photo of yourself and your vehicle financed through Ideal Credit Union for a chance to win a $25 Gas Card! Don't be afraid to get creative! This round of Ideal Wheels will run from May 22 through July 30, 2015. The sooner you submit your photo, the greater your chances of winning! Two lucky winners will be chosen at random every two weeks during the contest. Good luck! NOTE: Vehicle must be presently financed through Ideal CU to be eligible to win.
For full details, see Official Rules & Dates.

Two ways to enter!

Submit your photo using one two methods below:

  1. Submit your photo using the form located on Ideal CU's Facebook page.
  2. Post your photo on either Facebook, Twitter, or Instagram and include #idealcuwheels in the post (submission is not valid if #idealcuwheels is not included).

Don't have an auto loan at Ideal CU?

Whether you're looking to buy new or used, or even refinance your current vehicle, Ideal CU will help you to get a great rate and affordable payment.
Apply online

Rates, APRs and APYs are effective as of April 28, 2015.

Mortgage Loans

TypeTermAPR*Calculate payments
15 Year SpecialUp to 15 yearsVIEW RATESCalculate-payment-image
10 Year SpecialUp to 10 yearsVIEW RATESCalculate-payment-image
30 Year Fixed30 yearsVIEW RATESCalculate-payment-image
15 Year Fixed15 yearsVIEW RATESCalculate-payment-image
ARMVariety of TermsVIEW RATESCalculate-payment-image
3% Down Purchase ProgramN/AVIEW RATESCalculate-payment-image
* Annual Percentage Rate

Home Equity Loans

TypeTermAPR*** Apply today Calculate payments
Home Equity Installment º *Up to 15 years4.50% - 6.60%ApplyCalculate-payment-image
Visa Platinum Home Equity Line of Credit **  +Up to 20 years5.00% - 15.00%ApplyCalculate-payment-image
Home Equity Line of Credit x +Up to 20 years6.00% - 8.75%ApplyCalculate-payment-image
First MortgageVariety of TermsCheck RatesApplyCalculate-payment-image
o Example of payment terms: For a home equity loan of $10,000 at 6.00% APR for 60 months, your monthly payment would be $193.37.
*
Actual rate based on applicant's payment and credit history.
** Minimum APR of 5.00% with a maximum of 15% APR. Loans of $25,000 or more may be eligible for 0.25% discount when Prime Rate exceeds minimum APR.
x The home equity line of credit variable interest rate may change once per year in August and will never go below 6.00%.  Rate will never increase more than 2% per year or more than 5% for the life of the loan.
+ Closing costs may range from $0 - $1000.
*** Annual Percentage Rate

Vehicle Loan

1.99% APR* on ALL new purchase 2014 & 2015 models1  
2014 - 2015**APR as low as* Apply todayCalculate payments
Up to 72 months1.99%ApplyCalculate-payment-image
Model Years   
2015 -2009**APR as low as* Apply todayCalculate payments
Up to 24 months2.14%ApplyCalculate-payment-image
Up to 36 months2.44%Apply Calculate-payment-image
Up to 48 months2.54%Apply Calculate-payment-image
Up to 60 months2.74%ApplyCalculate-payment-image 
Up to 72 months2.94%ApplyCalculate-payment-image 
2008 - 2005**   
Up to 24 months4.49%ApplyCalculate-payment-image 
Up to 36 months4.74%ApplyCalculate-payment-image 
Up to 48 months4.99%ApplyCalculate-payment-image 
2004 and older**   
Vehicles 10 years and older will be priced at Recreational Vehicle Rates

*APR = Annual Percentage Rate
**Actual rates based on applicant's payment and credit history.
Example of Payment Terms: Auto loan with 2.74% APR over a 60-month term would make a payment of $17.86 per $1,000 borrowed.
1Rate accurate as of January 15, 2015, and subject to change at any time. 1.99% available for new purchase auto loans for 2014 or 2015 model years only and requires a credit score of 700 and higher.Example of payment: On a $21,000 loan for 72 months at 1.99%APR, monthly payments would equal $309.67. Not available for internal refinances. No rate changes will be done for previous purchases. Ideal Credit Union reserves the right to end this promotion at any time without notice. All loans subject to approval.

RV and Motorcycle Loans

 Rec Vehicles  including Snowmobile and ATV
AmountTermAPR* as low as  
Up to $5,000**Up to 36 months5.74%ApplyCalculate-payment-image
$5,000 and up**Up to 48 months5.74% ApplyCalculate-payment-image
$5,000 and up**Up to 60 months5.99% ApplyCalculate-payment-image
$20,000 and up**Up to 84 months5.99% ApplyCalculate-payment-image
$30,000 and up**Up to 10 years6.24% ApplyCalculate-payment-image
$30,000 and up**Up to 15 years6.24% ApplyCalculate-payment-image
*APR = Annual Percentage Rate
**Actual rate based on applicant's payment and credit history. Example of Payment Terms: Rec vehicle loan with 5.99% APR over a 60-month term would make a payment of $32.75 per $1,000 borrowed. 
Motorcycle Loans
AmountTermAPR* as low asApply Today 
Up to $5,000**Up to 36 months5.74%ApplyCalculate-payment-image
$5,000 and up**Up to 48 months5.74%ApplyCalculate-payment-image
$15,000 and up**Up to 60 months5.99%Apply Calculate-payment-image
$30,000 and up**Up to 84 months6.24%Apply Calculate-payment-image
*APR = Annual Percentage Rate
**Actual rate based on applicant's payment and credit history. Example of Payment Terms: Motorcycle loan with 5.99% APR over a 60-month term would make a payment of $32.75 per $1,000 borrowed
 

Boats/Marine Loans

 Boats and other marine loans
AmountTermAPR* as low as  
Up to $5,000**Up to 36 months5.74%ApplyCalculate-payment-image
$5,000 and up**Up to 48 months5.74% ApplyCalculate-payment-image
$5,000 and up**Up to 60 months5.99% ApplyCalculate-payment-image
$20,000 and up**Up to 84 months5.99% ApplyCalculate-payment-image
$30,000 and up**Up to 10 years6.24% ApplyCalculate-payment-image
$30,000 and up**Up to 15 years6.24% ApplyCalculate-payment-image
*APR = Annual Percentage Rate
**Actual rate based on applicant's payment and credit history. Example of Payment Terms: Rec vehicle loan with 5.99% APR over a 60-month term would make a payment of $32.75 per $1,000 borrowed. 

Visa Credit Cards

Type TermAPR* Apply today Learn more

Visa Blue Rewards 

Blue Rewards

UnsecuredVariable 9.15% - 17.15%1

Apply

 Blue Rewards
Visa Gold GoldUnsecuredFixed 10.9%2Apply Gold

*Annual Percentage Rate

1 - Ideal CU Blue Rewards Variable APR (Annual Percentage Rate) ranges from 9.15% - 17.15% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Transaction fees for balance transfer and convenience checks are 2% of the amount of each transfer not to exceed $75.00 (Minimum $10) and Cash Advance fees are 2% of each advance (Minimum $10.00). Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.

2 - Ideal CU Gold is fixed 10.99% APR (Annual Percentage Rate). No annual fee. Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.

Prepaid Card Options    

Visa Gift Cards The perfect gift for dads, grads or an upcoming wedding.

GC1Learn More 

Reloadable Visa Card
A great alternative to a checking account and safer than cash.

GC2Learn more 
 

Other Loans

TypeTermAPR* as low as 
StudentUp to 10 yearsLearn more here 
Signature** up to $5,000Up to 36 months12.99% 
Signature** over $5,000Up to 60 months12.99% 
Overdraft Line of CreditUp to 30 months17.99%Apply
Shared SecuredUp to 60 monthsCurrent deposit rate + 2.00%Apply
Certificate SecuredUp to 60 months Certificate rate + 2.00%Apply
Computer**Up to 36 months 10.60% 
Stock-Bond SecuredUp to 60 months 7.90% up to 50% current market value 

* APR = Annual Percentage Rate
** Actual rate based on applicant's payment and credit history. Example of Payment Terms: Signature loan with 12.99% APR over a 36-month term would make a payment of $71.76 per $1,000 borrowed.

Checking & Deposit Accounts

TypeBalanceInterest RateAPY*
Share Savings$0.000.05%0.05%
Reserve, Christmas and Vacation Savings$0.000.05%0.05%o
Relationship Checking
$2,000.00 - $49,999.990.05%0.05%**
50,000.00+0.15%0.15%**
Premium Money Market+
$0 - $2,499.990.05%0.05%o
$2,500.00 - $9,999.990.05%0.05%o
$10,000.00 - $19,999.990.10%0.10%o
$20,000.00 - $49,999.990.10%0.10%o
$50,000.00 - $99,999.99
0.20%0.20%o
$100,000.00 +0.35%0.35%o

*  Share account rates are shown as Dividend Rates and Annual Percentage Yields.  This is the anticipated dividend for the month as determined by the Board of Directors.  All other accounts are shown as Interest Rates and Annual Percentage Yields.
** Direct Deposit or $10,000 combined balances in Ideal CU Savings, Checking, Loans, Visa and/or Mortgage required in Relationship Checking to avoid monthly service fee.

*** APY = Annual Percentage Yield

o  Interest rates adjusted and paid monthly. Rates subject to change.

+$1,000 minimum opening deposit. Pay no fee if you mainitain a $1,000 monthly average balance. Otherwise $10 per month.
NOTE: Fees could reduce earnings on accounts
Early withdrawal penalty on CDs.  We may impose a penalty if you withdraw any of the principal before the maturity date.

CD Specials

CD Specials

These special rates and terms are offered for a limited time only.

Minimum Opening BalanceTermInterest RateAPY*
$500.00 - $24,999.9913 Month0.50%0.50%
 26 Month0.80%0.80%
$25,000 - $69,999.9913 Month0.60%0.60%
 26 Month0.90%0.90%
$70,000.00+13 Month0.70%0.70%
 26 Month1.00%1.00%

Bump-Up Certificate of Deposit

Minimum Opening BalanceTermInterest Rate
APY*
$2.500.00**36 Month0.45%0.45%
 60 Month0.85%0.85%

Savers Certificate of Deposit

Unlike other CDs, you can add funds to your investment any time, in any amount during the life of the term. Savers CDs will automatically renew for another term upon maturity.

MinimumTermInterest RateAPY*
$100.006 Month0.05%0.05%
12 Month0.10%0.10%
18 Month0.25%0.25%
24 Month0.30%0.30%
30 Month0.40%0.40%
36 Month0.45%0.45%
48 Month0.60%0.60%
60 Month0.80%0.80%

*The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). Interest is compounded and credited on a monthly basis. Penalty for early withdrawal - CDs with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned/CD with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. Fees may reduce earnings.

Certificate of Deposit

Minimum Opening DepositTermInterest rateAPY*
$500.00 - $24,999.99
91 Day 0.05% 0.05% 
6 Month0.10%0.10%
12 Month0.10%0.10%
18 Month0.35%0.35%
24 Month0.40%0.40%
30 Month0.60%0.60%
36 Month0.65%0.65%
48 Month0.75%0.75%
60 Month1.05%1.06%
$25,000.00 - $69,999.99
91 Day 0.15% 0.15%
6 Month0.20%0.20%
12 Month0.20%0.20%
18 Month0.45%0.45%
24 Month0.50%0.50%
30 Month0.70%0.70%
36 Month0.75%0.75%
48 Month0.85%0.85%
60 Month1.15%1.16%
 $70,000.00 +
91 Day0.25%0.25%
6 Month0.30%0.30%
12 Month0.30%0.30%
18 Month0.55%0.55%
24 Month0.60%0.60%
30 Month0.80%0.80%
36 Month0.85%0.85%
48 Month0.95%0.95%
60 Month1.25%1.26%
*The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). Interest is compounded and credited on a monthly basis. Penalty for early withdrawal - CDs with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned/CD with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. Fees may reduce earnings.

Explore other investment options

Business Checking Accounts

TypeBalanceInterest Rate
APY*
Simply Business Checking$500 - $49,999.990.05%0.05%x
 Optimum Business Checking$50,000.00 - $99,999.990.10%0.10%x
 $100,000.00 +0.15%0.15%x

x $500 minimum balance required on Simply Business Checking and $2,500 on Optimum Business Checking to avoid monthly service fee.  Interest rates determined monthly by the Board of Directors.
*APY = Annual Percentage Yield

 
Other Business Checking Account products and services

IRA & HSA Accounts

HSA & Premium IRA Money Market

BalanceThis Month's Interest RateThis Month's APY*
Up to $9,999.990.05%0.05%1
$10,000.00 - $49,999.990.10%0.10%1
$50,000.00 - $99,999.99

0.20%

0.20%1

$100,000.00+

0.35%

0.35%1

Learn more about HSA accounts

* APY = Annual Percentage Yield
1  Interest rates adjusted and paid monthly. Rates subject to change.

IRA Certificate of Deposit Rates

Minimum Opening DepositTermInterest rateAPY*
$500.00 - $24,999.99
91 Day 0.05% 0.05% 
6 Month0.10%0.10%
12 Month0.10%0.10%
18 Month0.35%0.35%
24 Month0.40%0.40%
30 Month0.60%0.60%
36 Month0.65%0.65%
48 Month0.75%0.75%
60 Month1.05%1.06%
$25,000.00 - $69,999.99
91 Day 0.15% 0.15%
6 Month0.20%0.20%
12 Month0.20%0.20%
18 Month0.45%0.45%
24 Month0.50%0.50%
30 Month0.70%0.70%
36 Month0.75%0.75%
48 Month0.85%0.85%
60 Month1.15%1.16%
 $70,000.00 +
91 Day0.25%0.25%
6 Month0.30%0.30%
12 Month0.30%0.30%
18 Month0.55%0.55%
24 Month0.60%0.60%
30 Month0.80%0.80%
36 Month0.85%0.85%
48 Month0.95%0.95%
60 Month1.25%1.26%
*The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). Interest is compounded and credited on a monthly basis. Penalty for early withdrawal - CDs with maturity dates greater than 12 months will be assessed the lesser of 180 days interest or interest earned/CD with maturity dates 12 months or less will be assessed the lesser of 90 days interest or interest earned. Fees may reduce earnings.

Calculate how much your CD will be worth

Explore other investment options