New to Ideal? Become a member

Becoming an Ideal Credit Union member is so easy. Answer these questions first:

Am I ready to enjoy the credit union difference while managing my money?

Am I eligible to be a member of Ideal Credit Union, MN?

  • Ideal welcomes those who live, work, attend school, worship or volunteer in the Twin Cities 6 county area which includes Anoka, Chisago, Dakota, Hennepin, Ramsey and Washington to become a member.
  • Relatives of existing members qualify for membership.
  • Learn more about additional membership requirements if you don’t meet one of the above qualifications.

Do I have $1.00 today to get started?

Please note: If you have a new loan with Ideal Credit Union, becoming a member is not necessary. Learn more about your loan payment options.

 Open an Account  Apply for a loan Check rates

Already a member? Open a new account

Existing members are welcome to open additional accounts within the same member number online including:

  • Personal Checking Account
  • Reserve Savings
  • Premium Money Market


If you are interested in opening a new account number or a business account, please contact us at This email address is being protected from spambots. You need JavaScript enabled to view it. or call 651-770-7000.

 Open an Account  Apply for a loan Check rates

Apply for a loan

From small personal loans to large first mortgages, Ideal Credit Union can help you achieve your goals. Our loan decisions are made promptly and in many cases we can fund the loan immediately after approval. Apply for a loan including car, trucks, boat, motorcycles, home equity, Visa Credit Card and more!

 Apply for a loan Business Loans Student loans Check rates

Make a loan payment

Loans obtained through the dealership & in one of our banches

A loan from one of our partner dealerships automatically makes you a member of Ideal Credit Union. A Share Savings has been opened on your behalf to establish your membership. Need to make a payment? No need to open an account, you already have one.

 Make a loan payment Check rates