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When Does It Make Sense to Pay a Bill with a Credit Card?

Person on laptop computer holding plastic credit or debit card

Credit cards and debit cards offer incredible convenience; but, is it a smart idea to pay monthly bills with them? Choosing to pay a bill with a card can have a significant impact on your general financial wellness — for better or for worse. It’s important to consider the many variables of this decision before going ahead with it. Let’s take a closer look at the pros and cons.

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Ideal CU Holiday Debit Card Giveaway Has Paid Out $28K Since 2012 - Four More Weekly $1K Winners to Come in 2019!

Colleen Jones 2018 Holiday Debit Winner

(Woodbury, MN –November 19, 2019) – Ideal Credit Union’s popular $1,000 Holiday Debit Card Giveaway is back for another four weeks this holiday season. Ideal CU has held this yearly holiday promotion since 2012 and has given away $28,000 to 28 lucky members. To qualify, members with an Ideal CU personal checking account simply use their Ideal CU Debit Mastercard® or My Rewards™ Gold or Platinum Debit Card for purchases and earn a chance to win one of Ideal CU's four weekly $1,000 random drawings. Members earn 100 bonus entries into the weekly drawing when they make 25 or more purchases a week.

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5 Ways to Keep Your Finances Intact This Holiday Season

article 5 ways to keep your finances intact this holiday season 1

You don’t have to rack up a huge credit card bill or go into debt to cover your holiday expenses. Enjoy a financially stress-free season with these five tips:

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Ideal CU’s Popular ‘Use & Win’ Debit Card Giveaway Returns for 2019; Payout Now $24K Since 2017

Zach Nelson October winner

(Woodbury, MN – January 18, 2019) – Ideal Credit Union’s popular monthly $1,000 “Use & Win” Debit Card Giveaway is back for another year of giving in 2019. Since the program’s inception in January of 2017, Ideal CU has given away $24,000 to 24 lucky members chosen at random in the “Use & Win” Debit Card promotion. Previous winners have used the funds to help pay for everything from adopting a baby to car repairs, home improvements, bills, vacations, maternity leave, tuition, study abroad programs and much more!

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2021 - 22 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 18th
All locations closed.


President's Day
Monday, February 15th
All locations closed.


Good Friday
Friday, April 12th
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 31st
All locations closed.


Independence Day
Sunday, July 4th
All locations closed.


Labor Day
Monday, September 6th
All locations closed.


Columbus Day
Monday, October 11th
All locations closed.


Veterans Day
Thursday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 25th
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
Friday, 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
Saturday, December 25th
All locations closed.


New Year's Eve
Friday, December 31st
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 (2021)
Saturday, January 1st
All locations closed