Phone system upgrade April 25-26, 2015

Ideal Credit Union will conduct a phone system upgrade Saturday, April 25 at 10:00 PM – Sunday, April 26 3:00 AM. During this time access to the credit union automated phone line including PAL, phone banking, will be unavailable. Online and mobile banking channels will still be fully functional. We apologize for any inconvenience.

Important phone numbers to call if during the maintenance window

  • Report a lost or stolen Visa Credit Card – 1-866-820-4872
  • Report a lost or stolen MasterCard Debit Card 1-800-535-8440
  • Troubleshooting an online/mobile banking 1-855-896-0687
 Free CheckingRelationship CheckingCashback Checking
Ideal ForOpen NowOpen NowOpen Now
Minimum Opening Deposit$50$50$50
Monthly Service Fee9$0

No fee with $750 minimum monthly Direct Deposit or $10,000 in combined balances in savings, checking, loans, Visa and/or Mortgage.
Otherwise $10 per month

$0
InterestN/A

Interest Tiers 1
$2,000 - $9,999.99
$10,000 - $19,999.99
$20,000 - $49,999.99
$50,000 +

View Current Rates

N/A
Cashback on Debit Card PurchasesN/AN/A

Cash back to qualified members7
Per month qualifications:

  • Minimum $200 direct deposit
  • One online bill payment
  • 5 debit card signature purchases 

Must enroll in eStatements.

Assisted Transfer Fee - Funds transferred within the same member number into your checking account by a Ideal CU Representative on your behalf$5Combine balances of $10,000 or more - Free
Combined balances under $10,000 - $5
$5
Branch/Contact Center TransactionsFREEFREE$56
ATM Access2

FREE Ideal CU ATMs
Non-Ideal ATMs: $3 per withdrawal and balance inquiry

FREE Ideal CU ATMs
Bal. over $10,000: Free ATM Usage
Bal. under $10,000: 10 non-Ideal ATM transactions/mo, $3 for each additional withdrawal or balance inquiry

FREE Ideal CU ATMs
Non-Ideal ATMs: 10 transactions/mo, $3 for each additional withdrawal or balance inquiry

Monthly StatementseStatements4 & Paper statements -FREEeStatements4 & Paper statements -FREEeStatements4 - FREE
Paper statements -$5 per month
Bill PayFREEFREEFREE
Mobile BankingFREEFREEFREE
Check PrintingCharges apply32 FREE boxes of CU designed checks
per calendar year
Charges Apply3
MasterCard® Cash & Check Card (Debit card)FREE5FREEFREE5
Check Copy Images$2 (Free through Ideal CU Online Banking)FREE$2 (Free through Ideal CU Online Banking)
Overdraft Transfer Fee - Automatic transfer made from Share Savings when there are non-sufficient funds in your Ideal CU Checking$5$5$5
Overdraft Line of Credit Annual Fee$20Free$20
Other Benefits
  • Direct Deposit with Early Payday8
  • 24/7 account access via Ideal CU Online, Mobile, Text & Phone Banking
  • Free Travelers Checks, Cashiers Checks and Money Order
  • Direct Deposit with Early Payday8
  • 24/7 account access via Ideal CU Online, Mobile, Text & Phone Banking
  • Direct Deposit with Early Payday8
  • 24/7 account access via Ideal CU Online, Mobile, Text & Phone Banking

1. Annual Percentage Yields (APYs) are subject to change. 2. Does not include other ATM Owner fees i.e. surcharge fees. 3. Charge waived for members 55 and older, limit one box per order, two boxes per calendar year. 4. May receive paper statement for first month. 5. Inactive ATM/Cash & Check Card fee is $3.00 if card is not used at least once per month. 6. No fee for deposits. 7. Monthly Cashback bonus of .25% is based on the total amount of net signature-based Ideal CU Cash & Check Card purchases made during any statement cycle. Purchases authorized with a PIN or ATM transactions do not apply. 8. Early payday is dependent upon when the payroll company and/or government sends the funds and for that reason is not guaranteed. 9. Inactive Account Fee - $5 per month if member has checking only with $1,000 or less, there is no activity for 1 year, and member is over age 24.

Get Wiify Scavenger Hunt Contest Official Rules

  1. This Get Wiify Scavenger Hunt contest is sponsored by Ideal Credit Union, 8499 Tamarack Road, Woodbury MN 55125.
  2. The promotion will run from April 20 through April 24, 2015. Students will receive one (1) entry per into a random drawing for submitting all five (5) Get Wiify keywords via the contest form located at www.idealcu.com/Tartan. All entries MUST be submitted on Friday, April 24. Limit one (1) entry.
  3. No purchase necessary. To enter without transaction, eligible persons may hand-print on a plain piece of 3” x 5” paper your complete name, physical mailing address (no P.O. Boxes), date of birth (MM/DD/YYYY) and daytime/evening telephone numbers. Drop off your entry at the Ideal Student CU in the DECA School Store at Tartan High School. Entries must be received by April 24, 2015.
  4. All Tartan High School students are eligible to enter this contest, except Ideal Student Credit Union employees.
  5. The Random drawing will be conducted on Monday, April 27, 2015 from all eligible entries received. Ideal CU will notify winners by telephone using the phone number(s) associated with the participant’s submission (or hand-printed on mail-in entry). Students willbe required to complete an Eligibility & Release Form. Such document must be completed within seven (7) calendar days from the date of notification, as determined by Ideal CU. Noncompliance within these time periods will result in disqualification by Ideal CU and an alternate winner will be selected, time permitting.
  6. Prizes & Value: Two winners will be selected to each receive a $10 iTunes gift card. Total value of all prizes is $20.
  7. Odds of winning depend on the number of entries received. Winners need not be present to win. Winners will be notified by Twitter or by phone. Prize winners will be featured in credit union publicity and will be asked to complete a publicity release form.
  8. Ideal Credit Union reserves the right to disqualify entries that are incomplete or do not comply with official rules. Decisions are final and not subject to appeal.

*iTunes is not associated with this promotion.

Get Wiify Selfie Contest Official Rules

  1. This Get Wiify Selfie contest is sponsored by Ideal Credit Union, 8499 Tamarack Road, Woodbury MN 55125.
  2. The promotion will run from April 1 through April 17, 2015. Must be a student at Tartan High School to participate.Students will receive one (1) entry per into a random drawing for either taking a selfie with Ideal Student CU staff and filling out a drawing slip OR tweeting a photo of themselves with a brief note about their student credit union. The tweet MUST tag Ideal Student CU using @IdealStudentCU and use #GetWiify in order to qualify for contest entry. Limit one (1) entry.
  3. No purchase necessary. To enter without transaction, eligible persons may hand-print on a plain piece of 3” x 5” paper your complete name, physical mailing address (no P.O. Boxes), date of birth (MM/DD/YYYY) and daytime/evening telephone numbers. Hand in your entries at the Ideal Student CU located at the Tartan High School DECA School Store. Entries must be received by April 17, 2015.
  4. All Tartan High School students are eligible to enter this contest, except Ideal Student Credit Union employees.
  5. The Random drawing will be conducted on Monday, April 20, 2015 from all eligible entries received. Ideal CU will notify winners by Twitter or by telephone using the phone number(s) associated with the participant’s drawing slip (or hand-printed on mail-in entry). Students willbe required to complete an Eligibility & Release Form. Such document must be completed within seven (7) calendar days from the date of notification, as determined by Ideal CU. Noncompliance within these time periods will result in disqualification by Ideal CU and an alternate winner will be selected, time permitting.
  6. Prizes & Value: Four winners will be selected to enter the Ideal CU Money Booth. Total value of prize is determined by the amount the student is able to grab while in the Money Booth.
  7. Odds of winning depend on the number of entries received. Winners need not be present to win. Winners will be notified by Twitter or by phone. Prize winners will be featured in credit union publicity and will be asked to complete a publicity release form.
  8. Ideal Credit Union reserves the right to disqualify entries that are incomplete or do not comply with official rules. Decisions are final and not subject to appeal.

National Youth Savings Challenge

$100 Award Rules

1. The National Youth Savings Challenge is open to all youth under 18 who visit a participating credit union from April 1-30, 2015. While youth are encouraged to make a deposit at the credit union, no deposit is required to enter and no purchase is necessary. Parents/guardians giving permission for their youth to enter can submit on a 3" x 5" piece of paper the child’s name, date, current age, address and phone number. Entries sent by mail should be addressed to “National Youth Savings Challenge,” Ideal Credit Union, 8499 Tamarack Road, Woodbury, MN 55125.

2. Youth age 12 and under are also invited to participate in the National Savings Challenge Coloring Contest. Five (5) coloring contest winners will be chosen at random to receive a $10 iTunes gift card.

3. All entries must be received by April 30, 2015 to be eligible for the drawing. Odds of winning depend on the number of entries received. Winners need not be present to win. Winners will be notified by email or phone. Prize winners will be featured in credit union publicity and will be asked to complete a publicity release form.

4. Ideal Credit Union reserves the right to disqualify entries that are incomplete or do not comply with official rules. Decisions are final and not subject to appeal.

5. On May 10, 2015, the Credit Union National Association (CUNA) will randomly select twenty-five (25) participating credit unions to each receive one $100 award. Each of these 25 credit unions will then randomly select a winner from its entrants. Your credit union will notify you if you are a winner.

6. Winner will be responsible for all federal, state and local income taxes and may be required to certify their Taxpayer Identification Number on IRS Form W-9 if requested. Winnings are subject to 1099 reporting. This offer is void where prohibited.