VISA® Gift Cards

Show You Care with an Ideal CU VISA Gift Card

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  • Available for any amount between $25 and $500
  • Accepted at any merchant displaying the Visa logo, including those that are just down the street, online, or even in another country.
  • Protected against loss or theft*.
  • Only $4.99 per card.
  • Used as easily as any Visa Credit or Check Card
  • Visa Gift Cards are available for purchase at all Ideal CU branches
  • Manage your account on the My Gift Card website

Questions or concerns about Visa Gift Cards already purchased? Contact the 24 hour customer service line 1-866-902-6082

Please note: Must be a member of Ideal CU or a Shared Branch Member to purchase Visa gift cards

Visa Gift Card Frequently Asked Questions

Visa Gift Card Full Terms & Conditions

Home Equity Options

Put your home’s equity to good use

Consolidate debt, make home improvements, pay for an education, or prepare for the unexpected with a Home Equity option from Ideal Credit Union.

A Home Equity Loan makes a great option because:

  • Home equity loans offer potential tax savings with interest paid being tax deductible
  • Home equity loans typically have lower rates than credit cards or other unsecured loans
  • Home equity loans are a great way to access your hard earned equity to fund other life expenses

Ideal CU Home Equity Options

 Visa Platinum Home Equity Line of CreditHome Equity Installment LoanHome Equity Line of Credit
Check RatesApplyApplyApply
DescriptionLine of credit that you draw on with a credit card when the need arisesInstallment loan with a fixed termLine of credit you draw on as the need arises
Maximum Loan to Value1Up to 80%Up to 80%Up to 80%
Maximum Loan Amount$150,000$150,000$75,000
Maximum TermUp to 20 years - 5 year draw and a 15 year repayment periodUp to 15 yearsUp to 20 years - 5 year draw and a 15 year repayment period
Annual Percentage Rate6Variable Rate2Fixed RateVariable Rate3
Minimum Monthly PaymentInterest only4Fixed amount, based on initial disbursement$1.50 per $100 of the balance outstanding or $150, whichever is greater
Access/Cash Advance OptionsVisa Platinum Card and cash advances at ATM machinesFunds are disbursed in one lump sumPhone transfers and in-lobby advances

1. Some housing exceptions apply. 2. Minimum Annual Percentage Rate (APR) Floor of 5%. APR calculation is subject to change monthly and is based on the fol - lowing: balances of $25,000 and greater will be calculated at Prime Rate (as published in the Wall Street Journal) minus 0.25%/ balances $24,999.99 and lower will be calculated at WSJ Prime Rate. 3. Rates subject to change in August of each year, minimum APR of 6%. 4. Interest only payments can be made for the first five years during draw period. After the draw period ends, required payments are calculated at $1.25 per $100 of the outstanding balance or $150, whichever is greater. 5. Consult your tax advisor. 6. For current rates, visit

Start-your-home-search Start your home search Contact-a-Mortgage-AdvisorFind a Realtor Home-Rebate Home Rebate Program
 Get-a-mortgage Apply for a MortgageCalculate-payments-and-tools

Check mortgage rates &
calculate payments

 PCU-Title Learn more about
mortgage financing

Business Online Banking

Access your account information online, anytime with Ideal’s enhanced Business Online Banking. It’s convenient and available 24/7.

For your protection, you credit union uses technology called “Secure Sockets Layer (SSL) Encryption” to secure your online banking sessions. This process safeguards your accounts from possible intruders and ensures that no one has access to your accounts but you and those you authorize. This great service is free!

Ideal CU Business Online Banking allows you to:

  • Manage access to accounts and transactions by assigning certain privileges and account access to additional users (sub-users)
  • Schedule one-time or recurring wires online
  • Restrict transactional privileges, set limits for wire requests and require additional approval on specific transaction types
  • Import account history into money management software programs such as Quickbooks, Quicken and Microsoft Money Plus
  • Transfer funds between accounts both internally and externally to other financials.
  • Sign up for eStatements (paperless statements)

For your protection, you may be required to enter a security code to gain access to your online accounts and services.

For more information, call Commercial Services at 651-747-8900 or email This email address is being protected from spambots. You need JavaScript enabled to view it..


Who should I contact with questions regarding enrollment and set up?

Please contact Commercial Services at 651-747-8900 or e-mail at This email address is being protected from spambots. You need JavaScript enabled to view it.. Should you choose to e-mail, please do not include any sensitive account information.

If I delete Sub-User Administrators, will their sub-users be deleted as well?

No. The sub-users are considered “children” of the primary commercial users, so they remain in the system.

What steps should I take if a sub-user no longer works for my business?

The sub-user’s access ID should be disabled immediately to prevent any unauthorized access to the business accounts. Ideally, the sub-user access ID for the former employee should be reassigned to another employee rather than deleted, as deleting an access ID affects any pending commercial transactions originated and/or approved by the sub-user. A sub-user’s access ID cannot be reassigned to another sub-user once it has been deleted.

User types within Business Online Banking

Focus Member

Individual who initially enrolls on behalf of the company. The Focus Member is an individual who is both an authorized signer on an eligible Business Member account and has been given the authority to establish and manage Sub-User access to Ideal Credit Union Online Banking. The Focus Member is considered to have full authority to act on behalf of the Business Member and any other authorized signers. A Focus Member can designate and remove Sub-Users and may assign certain administrative rights to a Sub-User.

Sub-User Administrator

Refers to an administrative user available only to Business Members. A Sub-User Administrator may administer and assign access rights to Sub-Users.


An Authorized User who has been assigned access to an Eligible Account by a Focus Member or Sub-User Administrator. Sub-Users may be granted full or limited access to originate online transfers such as ACH transactions and/or wire transfers.

For general questions regarding online & mobile banking, please refer to Ideal CU Online & Mobile Banking FAQs.

We are currently experiencing issues with our system. As a result, in-branch services and Ideal CU Online Banking are temporarily unavailable. We apologize for this inconvenience.