Welcome to Ideal

Digital Banking

Digital Banking 101 Become a member

NEW Home Equity Line of Credit Special: 4.99% APR* for the first 6 Months!

Access as little or as much of your credit line as you need for home renovations, a well-deserved vacation, debt consolidation, school tuition, wedding expenses or anything else you may need. Do it all with an Ideal Home Equity Line of Credit!

Limited-Time Special — Offer Ends May 31, 2024.

See Details

Introducing IDA!

IDA – Ideal’s Digital Assistant - offers the quickest, most efficient way to get answers from us over the phone and online. We are excited to provide our members with this new, state-of-the-art tool. Get ready to experience the future of banking with IDA, your trusted Ideal Digital Assistant.

Learn More

Ideal Wealth Advisors

Whether you have one financial issue you want to tackle today or realize it's time to put together a comprehensive financial strategy, Ideal Wealth Advisors will take the time to listen and learn about your unique situation.

Learn More

Important Fraud Alert for All Members

Reminder that Ideal CU will never contact you and ask for any identifying account information. If you believe you have given personal information to a scammer, contact us immediately.

Stay up-to-date with the latest cyber security news with our Cyber Security Resources page.

Learn More


10/1 ARM

6.500% Rate

7.222% APR**


Home Equity

Line of Credit

as low as

4.99% APR*




as low as

5.99% APR*


Credit Cards


as low as

9.90% APR*


High Yield Checking


up to

5.00% APY*


3225 Denmark Ave
Eagan, MN 55121

Inver Grove

7791 Amana Trail
Inver Grove Heights, MN 55077


14750 Victor Hugo Blvd N.
Hugo, MN 55038


8499 Tamarack Rd
Woodbury, MN 55125

North St. Paul

2401 N. McKnight Rd
North St. Paul, MN 55109


2020 Washington Ave
Stillwater, MN 55082