Loans obtained through a dealership & member loans

Your loan from the dealership automatically makes you a member of Ideal Credit Union and a Share Savings account has been opened on your behalf to establish your membership. As a member, you have access to a variety of affordable financial products and services with great interest rates and low fees.

Account Access and Loan Payment Options

Ideal CU Online Access & eStatements
Ideal Credit Union offers you easy online access through Online Banking. Check your loan balance, access statements or make your payment with funds from a Ideal CU account. Click the enroll button from our homepage to get started.

Automatic payment from another financial – Ideal CU ROUTING #296076262

By mail
Ideal Credit Union
2401 McKnight Road
North St. Paul, MN 55109
*Coupon books are available for $10.00 by request. Email This email address is being protected from spambots. You need JavaScript enabled to view it. to request a coupon book and send $10.00 with your payment.

Check by phone $12.00
Avoid a late charge and make a next-day loan payment. Submit your request before 3:00 p.m. CST to ensure your payment will be processed the following business day.
Call Ideal CU's Contact Center during normal business hours 651-770-7000 or toll free  800-247-0857.

Open a Ideal CU Checking with Direct Deposit
Make your loan payments right from a Ideal Checking account. Open a new account and take home a free gift and $50 cash. Learn more.