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Credit Cards

Find the right card for you

VISA® Credit Cards

Ideal Credit Union makes it easy to find the right credit card for you. Choose between the valuable CURewards Program linked to the Ideal Blue Rewards Credit Card or the fixed rate Gold Credit Card that allows you to earn monthly cash back on eligible purchases.

Whichever card you choose, you're guaranteed a convenient, secure way to pay for whatever matters most to you.

Blue Rewards Credit Card

blue rewards credit card

Earn points for every dollar and redeem those points for top-brand merchandise and travel opportunities. Learn more

  • No Annual Fee
  • Variable rates as low as 9.15% APR1
  • CURewards Program
  • Zero Liability coverage

Apply Online

Gold Credit Card

Gold Credit Card

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

  • No Annual Fee
  • Fixed rates as low as 9.90% APR2
  • Monthly cash back earnings
  • Zero Liability coverage

Apply Online

Earn 1,500 Bonus CURewards Points

Open a new Ideal Blue Rewards VISA® and spend $1,000 in the first 60 days to earn 1,500 bonus CURewards Points. Learn more about the CURewards Program.

 

Ideal VISA® Credit Cards

Rates as of:

 

1. Ideal CU Blue Rewards Variable APR (Annual Percentage Rate) ranges from 9.15% - 17.15% 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