Eligibility Requirements

Make sure you are eligible before you apply:

  • Live, work, worship, attend school or volunteer in the Minnesota counties of Anoka, Chisago, Dakota, Hennepin, Ramsey or Washington.
  • Have a family member who is a Ideal CU member.
  • Work for a Ideal CU Select Employee Group.
  • Live in Minnesota or Wisconsin and agree to make a $5.00 donation to the John Miller Scholarship Fund.

Please note: If you are a current Ideal CU member, do NOT use this application to sign up for additional services, such as Ideal CU Online Banking. Please call the credit union instead at 651-770-7000 or 800-247-0857.

Get plugged into Ideal CU news and download the Dollars & Sense newsletters:

Spring 2015
Winter 2014 - 2015
Summer/Fall 2014
Winter 2013 - 2014
Summer/Fall 2013
Spring 2013
Winter 2012 - 2013
Fall 2012

Get more current news, personal finance tips, etc. via email.

Ideal CU sends a majority of important communications through their email newsletter, the Ideal CU Exclusive. Be sure to sign up so you can stay in the Ideal CU loop.

Sign up for eNewsletter: Ideal CU Exclusive

Member Discounts

TT s

Save on TurboTax Online

Get up to $15 off your Turbo Tax fees just for being a Ideal Credit Union member.
Get started!

GMC ss

Save big on GM vehicles

Ideal CU membership entitles you to exclusive discounts on your next new GM auto purchase. Learn more!

Sprint s

Save with Sprint Wireless

Receive a 10% discount on select regularly priced Sprint monthly service and more with the Sprint Credit Union Member Discount!

Luv 2 shop s

Earn cash back with Love to Shop

Get cash back when you shop online with popular stores like Target, Best Buy, Gap, Sears, Home Depot and more with Love to Shop. Learn more!

CU auto Club

Roadside assistance discounts

Ideal CU now offers CU Auto Club, providing you with roadside assistance up to 50% off other popular plans. Learn more!


Save on Home Security with ADT

$850 in free startup equipment + $425 in exclusive savings = the ADT Credit Union Member Plan.
Learn more!



Save on your next move

Ideal CU members can save up to 60% on out-of-state and/or local moving and storage needs. Learn more!

Direct TV

Save with DIRECTV

Ideal CU members can now save up to $200 on new DIRECTV service. Find out how it works!

Ideal CU Specials

At Ideal Credit Union, we're all about what's in it for you! So, on top of the many discounts you receive, we also provide various product specials to help you make the most of your membership.

New Auto Special

Get the NEW vehicle you've always wanted at a SPECIAL LOW RATE
Take advantage of a discounted 2.24% APR* on any new purchase of 2014 or 2015 models when you finance through Ideal Credit Union.

Loan qualifications:

  • Available only for new auto purchases
  • New vehicle must be a 2014 or 2015 model

You're sure to save with:auto special apply

  • Financing up to 100% — including license & fees
  • Terms up to 72 months

*APR = Annual Percentage Rate. Rate 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.

15 Year Mortgage Special

15 yr special banner 2

Reduce your mortgage rate and term with our low-closing cost 15 year mortgage* refinance special. Today's low rate is 3.178%APR! This is a great option if you are looking to:

  • Pay less at closing
  • Reduce interest rate
  • Move from a variable rate product to a fixed rate mortgage
  • Combine first and second mortgages into one loan with one easy payment
  • Pay off your mortgage in 15 years or less

Mortgage loan details

  • Available for refinance only
  • Loan must be established as a first mortgage (Second Mortgage not available with this rate and term)
  • Minimum credit score is 680 to obtain this mortgage special
  • Borrower pays closing costs up to $1,395 with appraisal; $995 without an appraisal

Apply for the 15 year mortgage refinance special

This limited time offer will only be available through June 30, 2015!

*Maximum loan amount $417,000. A minimum credit score of 680 is required to obtain this rate. Closing costs vary by state. $995 with no appraisal, $1,395 if appraisal is required. Payments do not include amounts for taxes and insurance premiums. Offer is subject to normal credit qualifications. Rate is subject to change. Property insurance is required. Consult your tax advisor regarding deductibility of interest. Loan payment example: On a $180,000 loan for 15 years at 3.125% fixed rate (3.178% Annual Percentage Rate), monthly proposed pinciple and interest payments would equal $1,253.90. Offer available for refinance only. Rate of 3.178%APR accurate as of 4/2/2015 and subject to change.

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

1500 bonus rewards points with a NEW Blue Rewards Visa

Blue Rewards Visa Credit Card Special

Blue Rewards Visa Special

Spend $1,000 with your new Blue Rewards Visa Credit Card in the first 60 days of opening and Ideal CU will give you 1,500 bonus rewards points. These points can be used toward valuable merchandise and travel expenses.

Enjoy rewards that fit your lifestyle:

  • Top brands such as Canon, Samsung, Cuisinart, Weber, Sony, Lego, Nikon and Bissell
  • Exchange your personal rewards points for Jewelery, handbags, apparel, luggage, electronics, grills, hammocks, toys, games, outdoor sporting goods, health/fitness items, music, books and housewares
  • Your rewards are also good toward travel! We have discounts on rental cars, airfare, vacation packages, sailing excursions and more

Apply for your Blue Rewards Visa and start earning today!

Aside from earning points toward valuable rewards, the Ideal CU Blue Rewards Visa comes with many other great features, including:

Apply for an Ideal CU Blue Rewards Visa

  • A low variable rate
  • Low cash advance fees
  • Low transfer fees
  • Text & Email Alerts
  • Automatic payment options and more

Auto/Home Ins.

Trustage™ Auto & Home Insurance Program

Car and Home insurance. You could save an average of $427.96. Get a quote.You trust your credit union to offer products and services to help you do more with what you have. That's why we've joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Home Insurance Program. Working with carefully selected insurance partners, these programs can provide discounted rates for credit union members, online services, and 24/7 claims service.

If you haven't compared auto or home insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings.

Get your free quote today or call 1-855-483-2149.

TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.


Want access to exclusive Ideal CU offers and news?

Sign up for the Ideal CU Exclusive! You'll receive electronic newsletters (emails) with information about current and upcoming offers, and tips to help you maximize your money. This program is free, so sign up now.

Please note that we will never request personal information (such as your account number) via email. If you ever receive a Ideal CU email asking for personal information, do not respond. Instead, forward it to This email address is being protected from spambots. You need JavaScript enabled to view it..

We hope you enjoy the special deals and news you'll find in the Ideal CU Exclusive!

Membership Eligibility

Becoming a Ideal CU member is easy. If you live, work, worship, attend school or volunteer in Anoka, Chisago, Dakota, Hennepin, Ramsey or Washington counties, you are automatically eligible to join.

Those outside the six-county area are also welcome to join through a family member, or, by making a $5.00 donation to the John D. Miller Foundation.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will help us to identify you. We may also ask to see your driver's license or other identifying documents. If applying by mail, you must include a photocopy of your government issued picture identification, which must be notarized by an authorized Notary Public.

Ideal CU
Attention: Call Center
8499 Tamarack Road
Woodbury, MN 55125

If you have any questions about membership, please call 651-770-7000 or 800-247-0857 during regular business hours, or send us an email at This email address is being protected from spambots. You need JavaScript enabled to view it..

Field of Membership

  • Persons who live, work, worship, attend school, or volunteer in, or have business or other legal entity located in Anoka, Chisago, Dakota, Hennepin, Ramsey or Washington counties
  • Persons who donate to the John D. Miller Foundation
  • Employees of the United States Postal Service
  • Other employees of the US Postal Service in Minnesota who do not have a credit union operating within their immediate employee group
  • Persons employed in or administered from the Main Post Office
  • Employees of Ideal CU
  • Relatives of current Ideal CU members