Credit Cards

Credit Cards

Credit Card Options

Be ready for what's next

For better or for worse, one thing is certain - life is unexpected. Be ready for anything with a low rate, affordable credit card option from Ideal Credit Union.

Blue Rewards® Credit Card

blue rewards visa credit card emv web

The Ideal Blue Rewards VISA Credit Card is perfect for those who want a great credit card reward program with no annual fee and a low rate.

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Gold® Credit Card

blue rewards visa credit card emv web

The Ideal Gold Rewards VISA Credit Card is perfect for those who want a cashback credit card reward program with a fixed rate and no annual fee.

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IDEAL CREDIT CARD BENEFITS

Ideal CU credit card options are perfect for meeting your credit needs plus offer great benefits including:

  • No annual fee
  • A low variable1 or fixed rate2
  • Valuable rewards programs
  • Low Balance Transfer fees
  • Low Cash Advance fees
  • 24/7 online card access

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 Ideal CU Blue Rewards®Ideal CU Gold®

Rewards

Earn points on every dollar to redeem for valuable rewards from top brands.

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

RateA low variable rate1A low fixed rate2
RewardsCURewards ProgramCashback Rewards
Cash AdvanceLow cash advance feesLow cash advance fees
Balance TransfersLow transfer feesLow transfer fees
Text & Email AlertsYesYes
OthersAutomatic payment options and more!Travel enhancement packages and more! Automatic payment options and more!
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1. Ideal CU Blue Rewards Variable APR (Annual Percentage Rate) ranges from 10.40% - 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. 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.

2018 Holiday Hours


New Year's Day
Monday, January 1st
All locations closed.


Martin Luther King Jr Day
Monday, January 15th
All locations closed.


Presidents' Day
Monday, February 19th
All locations closed.


Good Friday
Friday, March 30th
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 28th
All locations closed.


Independence Day
Wednesday, July 4th
All locations closed.


Labor Day
Monday, September 3rd
All locations closed.


Columbus Day
Monday, October 8th
All locations closed.


Veterans Day
Monday, November 12th
All locations closed


Thanksgiving Day
Thursday, November 22nd
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
Monday, December 24th
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.


Christmas Day
Tuesday, December 25th
All locations closed.


New Year's Eve
Monday, 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
Tuesday, January 1st
All locations closed