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Mortgage Consultation

Set up a no-obligation mortgage consultation

Whether you're looking to purchase a new home, refinance your current home or just wanting to know your options, Ideal CU's professional team of mortgage loan advisors is here to help. Schedule your no-obligation consultation today.

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Rewards Checking

The Ideal Checking Account That Rewards YOU With Cash Back!

The Ideal Rewards Checking account let’s you cash in on high balances by paying you a huge 2.00% APY* cash back each month! That’s on top of the great benefits you’ll enjoy with any other Ideal Checking account, such as a free Ideal CU ­Enhanced Debit MasterCard®, 24/7 access with Online & Mobile Banking, a large ATM network and more.

Earn 2.00% APY Cash Back Each Month!*

Every month you qualify for cash back rewards, you’ll receive 2.00% APY* back on your average monthly checking balance. All you have to do is:

  1. Be enrolled in eStatements
  2. A Minimum of 20 debit card transactions/mo
  3. A Minimum direct deposit of $750.00/mo


All Ideal CU Checking Accounts Include:

  • An Ideal Enhanced Debit MasterCard®
  • eStatements
  • Ideal Online Banking
  • Ideal Mobile Banking app
  • Mobile Web & Text Banking
  • Online/ Mobile Bill Pay
  • Mobile Check Deposit
  • Apple Pay compatibility
  • Ideal MasterPass™ Digital Wallet

*Minimum to open account is $50. Annual Percentage Yield (APY) accurate as of 11/20/2015. 2.00%APY applies to members who qualify and have balances of $0.01 - $20,000 and 0.50%APY applies to members who qualify with balances over $20,000. Requirements to qualify each month are: Twenty debit card transactions and a minimum direct deposit of $750.00/mo. Member must be enrolled in eStatements. If a member does not qualify, 0.05%APY will be earned based on average daily balance. Rates may change after the account is opened. Transactions may take one or more business days from the transaction date to post to an account. POS debit transactions do not qualify as a debit card transaction.

Earn Cash Back!

Earn cash back when you become an Ideal Credit Union VIP!

Great Low Rates!

Ideal Credit Union rates are always low.

Exclusive Discounts!

Enjoy exclusive member discounts.

24/7 Access!

Ideal Credit Union provides you 24/7 access to your accounts.

Education And Financial Fitness

Financial Literacy Courses, No Cost Seminars & More

Own Your Credit Union

Becoming a member of Ideal Credit Union makes you part-owner!

Community Oriented. You Driven.

Ideal Credit Union gives back to the communities you live in.

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You want banking to be simple — we make it a breeze! At Ideal Credit Union, you'll enjoy hassle-free, and literally FREE, access to your accounts so that you can conduct all your banking needs 24/7.

mblapp2Mobile Banking

Mobile Banking is the best way to keep in touch with your money. Enjoy dozens of time saving features, such as Mobile Check Deposit, Bill Pay and more!

More about Mobile Banking  |  Download the App

Luv 2 shop sOnline Banking

With Online Banking, you'll enjoy the convenience of balance inquiries, transfer funds between your accounts, receive "notify me" alerts and more!
More about Online Banking

Early Pay DayEarly Payday

Early Payday with Direct Deposit into your Ideal CU Checking gives you immediate access up to two days earlier - based on when Ideal receives the funds.

Join Ideal CU and enjoy an early payday!

ideal cu enhanced debit mastercardInstant Issue

Open an Ideal Checking and walk out with your Cash & Check Card same day! Even better, if you ever lose it or need a new one, just stop in and pick it up!Learn more about the Ideal CU Cash & Check Card, then stop in and get one.

CU auto ClubAccess to over 30,000 ATMs

Through partnerships made with you in mind, you can go wherever work, school or wanderlust compels you and still have access to your money. With over 30,000 ATMs out there, we're betting you'll find one when you need it.Find an ATM

Shared Branch CO-OPAccess at over 6,000 shared branch locations

Ideal CU members can access their account at over 6,000 credit union branch locations nationwide – all for free – through the shared branching network.Find a shared branch

Get What's In It For YOU At Ideal CU?

Whether you're already a member of Ideal CU or a new friend just taking a look around, "Get WIIFY" is your guide to all that's in it for you when you bank Ideal. Click on the tabs below to discover how you can get cash back, earn rebates, get the vehicle of your dreams at a great rate and more! You'll also discover the many ways Ideal CU gives back to the community and how, as a member/owner, you give back to your community as well.


Ideal CU Pays YOU Cash Back

Luv 2 shop s$1.4 Million back to members through the Member VIP Program

In only three years, Ideal Credit Union has paid $1.4 million cash back to members as part of the VIP Program who use us as their primary source for banking needs. Some of our members have earned over $600! That’s like a free car payment each year. Meet our VIP members and get your piece of the pie - Learn how to become an Ideal VIP Member today!

Luv 2 shop sEarn a rebate on your next home with the HomeAdvantage Program

Members who’ve used Ideal Credit Union’s HomeAdvantage program during their home search and mortgage transaction not only found the home of their dreams, they earned a cash back rebate on average of $1,200. If you are in the market to buy or sell a home you can’t afford to miss out on Ideal Credit Union’s HomeAdvantage Program. Talk to an Ideal Mortgage Loan Advisor to learn more or ask questions about your next move.

Luv 2 shop sGet Cash Back on Checking Accounts and Credit Cards

A credit card and checking account that gives you a little kick back is a must-have when spending money today. Ideal Credit Union’s Cashback Checking and Visa Gold pay you back. Hey, you’re going to spend it anyway.



Great Rates & Lower Fees

rates idealWhen it comes down to it, consumers are looking to save, spend, earn, and invest in the most affordable and convenient way possible. Because of the way credit unions differ from banks, we can provide better rates and lower fees on loans and deposit accounts. Sometimes, a better rate on your car loan can save you $1,000s over the life of your loan. Really, what more are you looking for in a financial partner?




Discounts to save YOU money!

By simply being an Ideal Credit Union member, you’re eligible for discounts on a variety of other products and services, including:discount hicon


24/7 account access YOU can count on!

Banking can be a chore. You want it to be simple — we make it a breeze! At Ideal, you'll enjoy hassle-free, and literally FREE, access to your accounts to you can conduct all your banking needs 24/7. So, here’s a variety of ways Ideal Credit Union can provide:


YOU benefit from Financial Fitness & Education

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Flex your financial muscles

Understanding the ins and outs of all your financial needs can be somewhat complex. Financial topics such as credit, saving for retirement, how to obtain a mortgage, etc. are all financial topics many people want to learn more about.

No Cost Seminars

At Ideal Credit Union, we believe by providing financial education, you become more financially independent and wise consumers. That is why we host a variety of free seminars throughout the year to help. See what seminars are currently scheduled.

Register for a no cost seminar!

Ideal CU promotes financial literacy in your community

Tartan SCWe believe in the importance of financial education so much, we established and in-school branch at Tartan High School to lay a good foundation for high school students as they navigate their financial futures.

Learn more about the Ideal Student Credit Union


Do YOU own your bank?

Ideal Credit Union is a cooperative. Much like a grocery or electric co-op, we’re owned by YOU, our members, not shareholders. That means we operate for the sole purpose of our members’ benefit. In addition, as a member-owner you can take an active role and voice in how your credit union operates and who is on the Board of Directors. This is a key difference between credit unions and banks.

Watch this video to see what's in it for you when you own your bank


Community oriented. YOU driven.

As a financial cooperative, giving back is our mission and responsibility. When you are a member at Ideal Credit Union, you’re helping to accomplish this mission and further supporting your Community foundationlocal community.

Ideal CU Community Foundation

Since 2005, the Ideal CU Community Foundation and has worked hard to fulfill its mission of strengthening the quality of life in our local communities and beyond. The Ideal CU Community Foundation is funded by generous donations from Ideal CU’s membership, staff, volunteers and business partners. Donations are reinvested to support many worthy organizations, educational initiatives, financial literacy programs and more! The Foundation is a non-profit 501(c)(3) so your donations are tax-deductible.

Learn more about the Ideal CU Community Foundation



Ideal CU Community Appreciation Event Another Huge Success

(Woodbury, MN – August 27, 2015) – Last year’s Community Appreciation event was such a big hit, Ideal Credit Union did it again - five branches in five days from August 10 to 14, 2015. Members and the community were invited to stop by one or all five branches to enjoy a grilled hot dog and receive a free sample $1.00 bill from the vault, which would be the ticket to winning $1,000 in one of the credit union’s five daily drawings. comm winner north

As an added bonus, attendees received a free“Get Wiify” t-shirt. “Get Wiify,” an acronym for “What’s in it for You,” is a fresh approach to enlighten members and prospective members about the value-added products, services and benefits Ideal CU offers. Ideal is proud of the many ways it gives back, such as cashback through the exclusive VIP program, great rates and lower fees, and its commitment to serve local communities.

Hundreds turned out each day to take part in the celebration. Over 3,300 hot dogs were consumed over the course of the week, with 600 left over hot dogs donated to missions in St. Paul. Five lucky members each pocketed $1,000 for having the winning serial number on their $1.00.

Eagan’s $1,000 winner was James Flis, a 31-year member of Ideal Credit Union. Hugo’s winner, Naomi Meyer, joined the credit union in 1988 and proudly wore her “Get Wiify” t-shirt to accept her $1,000 prize.

In North St. Paul, Steve Ulrich, a VIP Plus member for 29 years, thought his co-workers were playing a prank on him when he got the call notifying him he had won $1,000. West St. Paul’s winner, Tom Schultz, plans to use his winnings to visit his daughter and only grandchildren in Switzerland. Woodbury’s winner, Diane Quast, was celebrating her 50th wedding anniversary with husband Victor the day she won $1,000.

The Ideal Credit Union Community Foundation donated $2,500 total and presented $500 checks to local food shelf representatives at each of the credit union’s five branches during the celebration to help feed our hungry neighbors. The recipients were The Open Door in Eagan, the Hugo Good Neighbors Food Shelf in Hugo, the North St. Paul Emergency Food Shelf in North St. Paul, Neighbors, Inc., in West St. Paul and the Christian Cupboard in Woodbury.

As an active community partner, Ideal CU encouraged attendees to bring a nonperishable food item to donate to local food shelves. Once again attendees responded by bringing donations that filled the table each day at each event. More than 500 attendees also donated their $1.00 sample. Each dollar is the equivalent of $9.00 in spending power for local food shelves according to Dave Zick, president of the North St. Paul Food Shelf Board. Coats for the annual Salvation Army Coats for Kids drive were also collected.

“We are grateful for the incredible support we have received throughout our 89 year history,” said Ideal CU President/CEO Brian Sherrick. “Throughout the week I had the opportunity to talk to members and hear first-hand how happy they are with our services and our commitment to our local communities. I thank everyone for attending and making the week such a success.”

Founded in 1926, Ideal Credit Union (formerly Postal Credit Union) is a member owned financial institution that specializes in providing excellent member service, great rates and convenience. Ideal CU offers a complete range of services, including 24/7 loan approval, mortgages, online banking, online deposits, mobile banking, mobile check deposit and mobile bill pay, Apple Pay, free checking, business services, investment services and more. Ideal CU serves the Twin Cities metro area with office locations in Eagan, Hugo, North St. Paul, West St. Paul and Woodbury.