Apply for a Loan

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 & Specials

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Online Banking
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Get Extra Savings When You Shop Online

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Online Banking
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No Equity Home Improvement Loan

Part of what makes being an Ideal CU member so great is that you're guaranteed to Get WIIFY (What's In It For You)! And that includes a plethora of exclusive discounts and specials just for you.

Member Discounts

TT s

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

Sprint s

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

Luv 2 shop s

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 roadpal

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


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


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

Direct TV

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! That is why, in addition to the many discounts you receive, we also provide various product specials to help you make the most of your membership.

Blue Rewards VISA® Special

No Equity Home Improvement Loan

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 an Ideal Credit Union 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.

Field of Membership

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

Procedures for Opening a New Account

Procedures for Opening a New Account

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 Credit Union
Attention: Call Center
8499 Tamarack Road
Woodbury, MN 55125

Account Agreement and Terms & Conditions

By establishing an account with Ideal Credit Union, you agree to the Member Account Agreement and Terms & Conditons. This is a binding contract between you and the Credit Union. We recommend that you view and retain a copy of this agreement for your records.
View Agreement

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..