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Credit Cards

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Find the right card for you

Whether you're looking for an exclusive rewards program or simply want cashback each month, Ideal Credit Union has the card for you.

Blue Rewards VISA®

Ideal Blue Rewards VISA

No Annual Fee

Rate: Variable APR1
10.65% - 17.99%

Exclusive CURewards® Program

Earn points for every dollar. Redeem those points for top-brand merchandise and travel opportunities.

Special offer

Earn 1,500 Bonus CURewards Points when you open a new Ideal Blue Rewards VISA® and spend $1,000 in the first 60 days.


Gold VISA®

No Annual Fee

Ideal Gold VISA

Rate: Fixed APR2
9.90% - 15.90%

Monthly cashback earnings

Enjoy a low fixed rate and earn a .5% rebate for every dollar in new net purchases of $500 or higher.

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  Blue Rewards VISA® Gold VISA®

Rewards

Earn points for every dollar. Redeem those points for top-brand merchandise and travel opportunities.

Earn a .5% rebate for every dollar in new net purchases of $500 or higher.

Rate A low variable rate1 A low fixed rate2
Cash Advance Low cash advance fees Low cash advance fees
Balance Transfers Low transfer fees Low transfer fees
Text & Email Alerts Yes Yes

Ideal VISA® Credit Cards

Rates as of:

 

1. Ideal CU Blue Rewards Variable APR (Annual Percentage Rate) ranges from 10.65% - 17.99% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Transaction fees for balance transfer and convenience checks are 2% of the amount of each transfer not to exceed $75.00 (Minimum $10) and Cash Advance fees are 2% of each advance (Minimum $10.00). Foreign Transaction fees are 2% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.

2. Ideal CU Gold fixed APR (Annual Percentage Rate) ranges from 9.90% - 15.90% dependent on creditworthiness. Transaction fees for balance transfer and convenience checks are 2% of the amount of each transfer not to exceed $75.00 (Minimum $10) and Cash Advance fees are 2% of each advance (Minimum $10.00). No annual fee. Foreign Transaction fees are 2% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.

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

Credit Unions are considered essential services within Governor Tim Walz "Stay at Home" order.

Ideal Credit Union's drive-thru services will remain open. All branch lobbies are closed until further notice. Learn More