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Business Loans & Credit

Low rate business lending

We know you have big ideas for your business. We're here to help you make them a reality. With an Ideal Business Loan or Line of Credit, you can achieve a low rate, affordable payment, and get back to what you do best — growing your business.

Loan Products

Josh Anderson - Business Relationship Specialist Photo

Josh Anderson

Senior Business Relationship Specialist

Call Josh: 651-773-2763

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Rates as of:

*Ideal CU Business VISA Platinum variable Annual Percentage Rate (APR) ranges from 9.25% - 13.25% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35. See Card Disclosure.

**Quoted rate is best available for a 15 year term. Rate may be higher depending on factors such as credit risk, repayment or amortization term selected, and amount financed. Example of payment, pay $7.15 per month per $1,000 borrowed for 15 years at 3.5%. Rates are subject to change at any time.

2020 - 21 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 20th
All locations closed.


President's Day
Monday, February 17th
All locations closed.


Good Friday
Friday, April 10th
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 25th
All locations closed.


Independence Day
Saturday, July 4th
All locations closed.


Labor Day
Monday, September 7th
All locations closed.


Columbus Day
Monday, October 12th
All locations closed.


Veterans Day
Wednesday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 26th
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
Thursday, 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
Friday, December 25th
All locations closed.


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