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How Much Money Should I Keep In My Checking Account?

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Most of us use our checking accounts on a daily basis. Every swipe of a debit card, every bill we pay and every personal check we write takes money out of our checking account. But, how much money should we be keeping in these super-convenient accounts? Let’s find out:
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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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Ideal Credit Union Has Paid Over $3.1 Million to Back to Its Members

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The Butler family joined Ideal Credit Union 36 years ago in 1982. Their total VIP+ payout since 2013 is now over $2,450.

 (Woodbury, MN – January 9, 2018) – Ideal Credit Union has returned 10% of its 2017 earnings to members through its exclusive VIP Program, rewarding 4,406 VIP+ members with cash dividends between $50 and $600, which were automatically deposited into members’ savings accounts in January 2018. A total payout of $532,150 was returned to Ideal CU members as a result of the VIP Program. Ideal CU has paid out over $3.1 million to VIP members since the program’s inception. Ideal is the only credit union in Minnesota offering this type of rewards program, believed to be the first of its kind in the state.

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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