Apply for a Loan

Annual Credit Report – obtain a free copy of your credit report from the major credit reporting agencies.

Loan calculator – Figure out how long it will take to pay off your vehicle, how much your monthly payments will be and more.

National Highway Traffic Safety Administration – Learn about vehicle safety, recalls and more.

Consumer Reports – Review vehicle pricing, ratings, road tests and safety information for new and used vehicles. – Learn which vehicles are the most and least fuel efficient. Check the miles per gallon usage for vehicles, their EPA pollution scores and more.

Carfax – For a nominal fee you can check the history of used automobiles when you search by Vehicle Identification Number (VIN).

Protect your vehicle investment with Guaranteed Asset Protection (GAP). Ideal Credit Union offers GAP at a significantly low price to prevent you from incurring a substantial loss. Typically, insurance policies will only cover the value of your vehicle if it is totalled beyond repair or stolen. GAP will cover the difference between the value of your vehicle and the amount you owe, so you will be able to afford a comparable replacement. Download more informaiton on Ideal's Gap Plus program to protect your investment.

Here's how the GAP Plus works for you:


Original purchase price$25,000
Loan balance after one year$20,000
Insurance settlement covering vehicle's current value$16,000
Your lost investment without GAP$4,000
(Including your deductible) 
GAP waives the difference$4,000
Funds provided toward financing or leasing a replacement vehicle at Ideal CU$1,000
Total GAP Advantage Benefit$5,000

Ready to purchase GAP Plus for your vehicle? Call us at 651-770-7000 or 800-247-0857 and press 2.

If you plan to purchase a new vehicle within the next few months, simplify the process and get pre-approved online. You can complete our online application 24/7. After you receive a response, you can shop with confidence knowing you’re already approved for the money you need.

Whether you're buying, selling or trading-in, it's important to do your research.


Visit NADA and Edmunds as trusted sources for:
  • Pricing information on new and used cars       
  • Side-by-side price comparisons
  • Tips for buying and selling
  • Manufacturer incentives
  • Consumer reviews
  • And more!

General Motors

There has never been a better time for credit union members to Invest in America. That’s why Ideal CU has teamed up with General Motors to offer you discounts on new American-made vehicles.

While the discounts vary depending on which vehicle you choose, everyone will drive away with a great deal. The deal gets even better when you finance your vehicle at Ideal CU. Thanks to our low interest rates, your savings will really add up.

Learn how you can enjoy preferred pricing on qualifying GM vehicles. Don't delay - this offer won't last long.

Member Auto Insured

MEMBERS® Auto Insurance*
You trust Ideal CU to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto Insurance Program:
  • MEMBERS® Auto Insurance is the coverage solution preferred by the most credit unions and their members.
  • Convenient e-service, pay your bill or make changes to your policy, even report a claim online.
  • Receive fast, easy access to claims service 24-hours a day.
Obtain a free no obligation quote today!

* The MEMBERS Auto & Home Insurance Program is underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.