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7 Signs You're Living Beyond Your Means and How to Fix Them

Woman and man sitting on couch, holding help sign

It’s easier than ever to buy stuff you can’t pay for right away while supporting a lifestyle you can’t really afford. Let’s take a look at seven red flags that might mean you’re living beyond your means and the steps you can take to get back on track.

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How to Talk Money With Your Partner

What happens when you and your partner have different approaches toward money? How do you bring up this loaded topic without it spiraling into a heated argument? Read on for the ultimate guide to discussing finances with your partner.

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Ideal CU Pays $4,200 to Youth in Financial Literacy Summer Program

Summer Money Talks class 2018

(Woodbury, MN – September 20, 2018) Ideal Credit Union recently hosted two sessions of its award-winning “Money Talks” financial literacy program in July, attracting 42 students from around the metro area. The unique peer-to-peer program, led and taught by high school-age Ideal CU Student Credit Union employees, teaches students the building blocks of personal finance: budgeting, savings and investments, credit, and money management tools. Students in attendance ranged in age from 16 to 22 years and came from a number of local communities, including Champlin, Hugo, Mahtomedi, Little Canada, St. Paul, Maplewood, Oakdale, South St. Paul, Inver Grove Heights, West St. Paul, Cottage Grove, Hastings, Stillwater, Lakeland and more.

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Brown-Bag It & Save $

PBJ sandwich

How much money do you spend each week for work lunches? Do you run to the fast food drive-thru or meet a friend or colleague for a sit-down lunch a few days a week? When you do the math on these occasional outings, the numbers may shock you. But, for just a few dollars and several minutes of your time, you can prepare something delicious at home. 

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5 Things to Do Today to Help Your Future

Your primary reason for attending college is to jumpstart your career, of course. But, did you know there are many other things you can do now to help secure your future? Here are just 5 things you can do today that will improve your after-college life:

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7 Questions to Ask Yourself Before Making a Large Purchase

You’re convinced: You really want that designer handbag. Or maybe you just know that gigantic entertainment center will transform your weekends. So you swipe your card and the dream item becomes yours. And you’re thrilled! That is, until buyer’s remorse hits. You can’t help wondering: Was it really worth the price? Before you say “yes” to a large purchase, ask yourself these 7 questions.

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Combating The Financial Mistakes Of Our 20s And 30s

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Early in their careers, people tend to focus on the here and now while ignoring the future. As you climb the ladder of success, you might think raises and promotions will never end and that you have forever to plan for the future. Surprisingly, though, the future comes faster than you can imagine. Here are the six most common and avoidable mistakes younger people make.
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Financial Preparation For 2018

2018 is almost here – are you ready? Usher in the new year with plans for financial improvement and resolutions to do more.
Here are some tips to get you started:
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Home shopping? Easy ways to save for a down payment.

Home shopping? Easy ways to save for a down payment.

Are you planning to buy a new home this year? Most likely, you’ll need a down payment. Here’s how to ensure you’re ready to go when you find that dream home…

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4 Financial Tips for Fall

Fall means dreams of pumpkin spice lattes, turkey dinners and a cozy holiday season just around the corner. Here are four ways to make sure you're financially well-equipped for the last stretch of the year.

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Ideal CU Wins 2016 Desjardins Youth Financial Literacy Award for a Second Time

Ideal Credit Union student teachers at tartan high school

(Woodbury, MN – September 20, 2016) – Ideal Credit Union has been honored with a 2016 Desjardins Youth Financial Literacy Award for its “Money Talks” Financial Literacy program. The unique peer-to-peer program is taught by high school age Ideal Student Credit Union employees to high school age students, and features the building blocks of personal finance: budgeting, savings and investments, credit, and money management tools. Ideal Credit Union's winning entry now moves to the national competition, where it will compete with financial education projects from credit unions in other states.

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2018 - 19 Holiday Hours

Martin Luther King Jr Day

Monday, January 21st
All locations closed.


Presidents' Day
Monday, February 18th
All locations closed.


Good Friday
Friday, April 19th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 27th
All locations closed.


Independence Day
Thursday, July 4th
All locations closed.


Labor Day
Monday, September 2nd
All locations closed.


Columbus Day
Monday, October 14th
All locations closed.


Veterans Day
Monday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 28th
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Tuesday, December 24th
All locations open until 1:00 p.m.
Lobby - 9:00 a.m. to 1:00 p.m.
Drive-thru - 9:00 a.m. to 1:00 p.m.


Christmas Day
Wednesday, December 25th
All locations closed.


New Year's Eve
Tuesday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day (2020)
Wednesday, January 1st
All locations closed