Ideal Checking

Find your ideal Checking

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No-Cost Seminars

Home Buying Education

Reserve your seat for our Home Buying Education Seminar on Thursday, February 22nd. Whether you are a first time home buyer or looking for a change in housing, this seminar will provide you with the information and tips you need to make the most of your purchase, including:

  • Knowing when you're ready to buy
  • Home buying steps
  • A walk through of the preapproval process
  • And more!

Reserve Your Seat

When and Where

Thursday February 22, 2018

6:00 PM - 8:00 PM

Ideal Credit Union  |  Hugo
14750 Hugo Blvd.
Hugo, MN 55038

Reserve Your Seat


Meet our Guest Presenters

Rachel Scarrella from Edina Realty

With over 10 years of real estate experience in the Twin Cities, Rachel works hard so that each of her clients reach their goal when it comes to buying or selling a home.

Matt Olson from Liberty Mutual

Learn about TruStage Insurance and the discounts you can receive as a member of Ideal Credit Union.

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Learn More


 *disclosure

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IRA Money Market Special

Earn a guaranteed 1.00% APY* now through April 30, 2018 with a minimum opening balance of $25,000. This limited time special brings you the high return you're looking for while still maintaining complete liquidity of your funds.

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Earn a guaranteed
1.00% APY*
through April 30, 2018
Time to roll over your IRA?
Earn a high yield with less risk
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Limited time offer

Peace of Mind

Earn a guaranteed 1.00% APY* through April 30, 2018 with a minimum $25,000 balance.

Grow Your Balance

Unlike Certificates of Deposit, you can add money to your account any time.

NCUA Insured**

Your investments are NCUA insured and your principal investment is guaranteed!

Questions?

Call 651-770-7000
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*Annual Percentage Yield (APY) is accurate as of February 1, 2018. Rate guaranteed through 04/31/2018. $25,000 minimum balance needed to obtain stated APY. Members with funds currently on deposit with Ideal Credit Union must bring an additional $25,000 not on deposit with Ideal to qualify for the 1.00% APY promotion. Fees may reduce earnings. On 05/01/2018, APYs will change based on the following tiers: under $25,000 - .10%; $25,000 - $49,999.99 - .25%; $50,000 - $99,999.99 - .45%; $100,000 - 199,999.99 - .55%; $200,000 or greater - .65%. APYs for these tiers are guaranteed not to drop below the corresponding APYs.

**Based on the amount on deposit and how the account is established, the entire amount may not be NCUA insured.

Skip the down payment

Zero Down Mortgage

Get into your new home sooner

Ideal Credit Union's Zero Down Mortgage Program puts you in your new home sooner. Take that extra cash for a down payment and spend it on other expenses such as new appliances, decor, and more.

The upside of zero down

  • Enjoy a fixed low rate
  • Available for 15 or 20 year terms*
  • Loan amounts up to $475,000

What you need to know

  • Available for single family and townhomes
  • Not available for refinances
  • Minimum eligible credit score is 700

Ready to get started?

Apply Online
Make an Appointment
Call 651-747-4663


*Zero Down Mortgage Program available for qualified applicants with minimum 700 credit score. Some restrictions may apply. Available for purchase transactions and owner occupied residence up to max loan amount of $475,000. Payment example: On a $200,000 mortgage loan at 5.181% APR for a 15 year term, monthly payments would be $1,600.51. Subject to mortgage insurance approval. Not eligible for condos or multi-family properties.

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Use Your Free Checking Gift for a Chance to Win a $50 Gas Card*

Exciting news! As a thank you for opening a new Ideal Checking we're giving you a chance to take the free gift you received and use it for a chance to win a $50 gas gift card!

How to Enter

Post a photo of yourself with your free Mr. Coffee Thermal Tumbler gift in one of the following ways:

  • Post a photo to Ideal's Facebook page
  • On your Instagram using #LiveTheIdealLife
  • Tweet it on Twitter using #LiveTheIdealLife
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Earn a Bonus Drawing Entry

Leave a review on Ideal Credit Union's Facebook page letting us know how Ideal helps you Live the Ideal Life... Or just write about how great your experience was. We'll give you an extra entry into the drawing as a thank you!
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Deadline to participate is March 1, 2018

Eligible entries will be accepted from January 15, 2018 to March 1, 2018. Two (2) $50 gas card winners will be chosen via random drawing on Friday, March 2, 2018! See official rules for additional information.

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*Official Rules

OFFICIAL RULES

NO PURCHASE OR TRANSACTION NECESSARY

CONTEST DURATION

Ideal Credit Union’s Checking Gift Selfie Contest runs from Monday, January 15, 2018 12:00:01 AM CST to Thursday, March 1, 2018 at 11:59:00 PM CST. ELIGIBILITY: This promotion is open to members who have received a promotional gift from Ideal Credit Union upon opening an Ideal Checking Account. Must be a legal resident 18 years of age or older as of date of entry. Employees, officers, Board of Directors and Supervisory Committee members of Ideal CU are not eligible. All federal, state and local laws and regulations apply. Void where prohibited by law.

HOW IT WORKS:

Eligible participants are required to post a photo of themselves holding or using their free gift one of the three following ways:

  • By posting a photo of themselves with their gift in a comment on Ideal Credit Union’s Facebook page.
  • By posting a photo of themselves with their gift on their Instagram feed and using #livetheideallife.
  • By tweeting a photo of themselves with their gift on Twitter and using #livetheideallife.

By submitting specified photo via one of the three ways listed above, participants will be entered in a random drawing for a chance to win a $50 gas card. Participants can only win once. Incomplete entries are subject to disqualification.

NO PURCHASE OR TRANSACTION NECESSARY: To enter without participating in the Ideal Checking Gift Selfie Contest, eligible persons may hand-print on a plain piece of 3” x 5” paper your complete name, physical mailing address (no P.O. Boxes), date of birth (MM/DD/YYYY) and daytime/evening telephone numbers. Mail your submission in an envelope no larger than a #10 (business-size envelope) with 1st-class postage affixed, to: Ideal Checking Gift Selfie Contest 8499 Tamarack Road, Woodbury MN 55125. Limit one (1) entry per outer mailing envelope. Illegible entries are void. Not responsible for lost, late, mutilated, postage due, misdirected entries or entries not received in time for any random drawing.

RANDOM DRAWING: A random drawing will be conducted on Friday, March 2, 2018. Winners will be announced within 5 days of the drawing date above. Ideal Credit Union will notify winners by phone, email, Facebook, Instagram or Twitter with information collected via their submission. Winners are required to complete the Eligibility & Release Form. Such documents must be completed within seven (7) calendar days from the date of notification, as determined by Ideal CU. Noncompliance within these time periods will result in disqualification by Ideal CU and an alternate winner will be selected, time permitting. Odds of winning will depend on the number of eligible entries.

PRIZES & VALUE: Two (2) $50 gas card prize winners will be drawn. Prizes can be picked up at an Ideal Credit Union location. If you are unable to visit an Ideal Credit Union location, you MUST notify the credit union that you will need the prize mailed to your home address. Winners are required to complete the Eligibility & Release Form upon prize pick up or before the prize is mailed. Prizes must be picked up or have been requested to be mailed within seven (7) calendar days from the date of notification. If unclaimed, an alternative winner will be chosen.

PROPER RELEASE & PERMISSIONS: All participants represent and warrant that proper release and permission of photos and images used from all photographed participants have been obtained prior to submission to Ideal Credit Union’s Ideal Checking Gift Selfie Contest.

PHOTO & CAPTIONS GUIDELINES: Photos and captions must be appropriate for general public viewing and must not depict any dangerous or illegal activity. Photos and captions that are determined to be graphic, obscene, explicit or otherwise inappropriate for general public viewing, or that depict dangerous or illegal activity shall be rejected and not eligible based solely on Ideal Credit Union’s discretion.

PARTICIPANT AGREEMENT: You agree that Ideal Credit Union can repost and share via social media or publish on its website any photo and its caption that you submit, for any reason and without further compensation. You also agree that Ideal Credit Union may contact you via Facebook if you have won, and this contact may be posted publicly. All entrants agree to release, indemnify, and hold Ideal Credit Union harmless.

GENERAL RULES: No substitution, assignment, or transfer of prize by winners permitted. Winners will be responsible for all federal, state and local income taxes and may be required to certify their Taxpayer Identification Number on IRS Form W-9 if requested. Winners are subject to 1099 reporting. By accepting prize, winners agree to hold the Ideal CU and the respective directors, officers, employees, volunteers, agents, advisers, and assigns of all of the foregoing parties harmless against any and all claims and liability arising out of winning, receipt of, or use of a prize. Winners assume all liability for any injury or damage caused, or claimed to be caused, by participation in this promotion or use or redemption of any prize. Acceptance of prize constitutes permission to the Sponsor to use winner's name, photograph and/or likeness for purposes of advertising, promotion, or trade without further compensation, unless prohibited by law. By participating in this promotion, entrants agree to be bound by these Official Rules and the decisions of Ideal CU, which are final. In the event there is a discrepancy or inconsistency in any promotional material, the Official Rules shall prevail, govern and control. All material submitted becomes the sole property of Sponsor and will not be returned. Sponsor is not responsible for any typographical or other error in the printing of the offer, administration of the drawing, or in the announcement of the prizes. In no event will more than the stated number of prizes be awarded. Claims may not be resolved through any form of class action. Ideal CU is not responsible for any technical problems, delays in processing transactions, non-receipt of a transaction, computer, electronic malfunction, human error, malfunctions of telephone lines, computer systems, servers, providers, hardware, software, lost or unavailable network connections or failed, incomplete, garbled or delayed computer transmission or any combination thereof. Entries that are suspected of being fraudulent (e.g., those using robotic, automatic, programmed or similar methods of participation) will be disqualified, based on determinations made solely by Sponsor. Sponsor reserves the right to prohibit the participation of an individual if fraud, abuse, or tampering is suspected, if winner verification documents are obtained or submitted illegitimately or if an entrant fails to comply with any requirement of participation as stated herein or with any provision in these Official Rules. Sponsor reserves the right to cancel, suspend, modify any method of entry if fraud, abuse, misconduct or technical failures inherent to that method of entry destroy the integrity of the program; or if a computer virus, bug or other technical problem corrupts the administration, security or proper administration of the program as determined by Sponsor in their sole discretion. In the event of termination of any method of entry, all remaining drawings will be conducted from among all eligible entries received from such method of entry prior to termination (of such method of entry) and all remaining entries received from non-terminated methods of entry. Proof of submitting entry will not be deemed proof of receipt by Sponsor.

SPONSOR: Ideal Credit Union, 8499 Tamarack Road, Woodbury MN 55125. ©2018 Ideal Credit Union. All rights reserved.

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Account Type Free Checking Relationship Checking Cashback Checking Student Checking
Min. Opening Deposit $50 $50 $50  $50
Earns Interest (see tiers)      
Earns Cash Back2        
Free Ideal Debit Card 1 1
Online, Mobile Banking & Bill Pay  
ATM Access  
Optional Overdraft Protection    
Monthly Chance to Win $1,000 >
Must be 18+ 
 Make an Appointment Open Open Open  Open

1. Inactive Ideal Debit Card Fee is $4.00 if card is not used at least once per month.
2. Cash back to qualified members every time you swipe and sign. To qualify you need a minimum $200 direct deposit, one online bill payment, 5 debit card signature purchases and estatements. Monthly Cashback bonus of .25% is based on the total amount of net signature-based Ideal Debit Card purchases made during any statement cycle. Purchases authorized with a PIN or ATM transactions do not apply.

See Fees & Services

2018 Holiday Hours


New Year's Day
Monday, January 1st
All locations closed.


Martin Luther King Jr Day
Monday, January 15th
All locations closed.


Presidents' Day
Monday, February 19th
All locations closed.


Good Friday
Friday, March 30th
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 28th
All locations closed.


Independence Day
Wednesday, July 4th
All locations closed.


Labor Day
Monday, September 3rd
All locations closed.


Columbus Day
Monday, October 8th
All locations closed.


Veterans Day
Monday, November 12th
All locations closed


Thanksgiving Day
Thursday, November 22nd
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
Monday, December 24th
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.


Christmas Day
Tuesday, December 25th
All locations closed.


New Year's Eve
Monday, 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
Tuesday, January 1st
All locations closed


Special Checking Offer

Take home a free gift when you open your Ideal Checking in-person at any branch. Learn How