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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.


1% Cashback Balance Transfer Special

All Ideal Blue Rewards and Gold VISA Credit Cards are eligible to earn 1% cashback on balance transfers of $500 or more February 1 through March 15, 2021. Simply apply for your new card and, upon approval, an Ideal CU Representative will follow up with you to complete the process and submit your balance transfer requests.


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

Terms & Conditions

1% cashback offer available for balance transfers of $500 or more from other credit card companies, financial institutions, or department store credit cards. Balance transfers may not be made to make payments toward amounts you owe Ideal Credit Union. 1% cashback offer is only valid for balance transfers completed February 1 through March 15, 2021. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with higher rates prior to balances with lower rates. There is no grace period on cash advances or balance transfers. Amounts transferred are subject to your available credit limit. We are not required to honor a balance transfer request that will cause you to exceed your available credit limit. By requesting a balance transfer, you authorize Ideal CU to process a balance transfer charged to your Ideal CU Visa Credit Card (no balance transfer fee during promotional period. Afterwards, balance transfer fees are 2% of the transfer total or $10.00 minimum, $75.00 maximum. After the advance, your 1% cashback incentive will be deposited into your Ideal CU Share Savings Account. You also acknowledge that Ideal CU will send you a check payable to the creditor you provided in your request and that you are responsible for sending the check to the appropriate creditor. Ideal CU is not responsible for any remaining balance on that account or for any finance or other charges you incur due to delays in transferring a balance. Balance transfers made payable to you, cash or to make payments toward amounts you owe Ideal Credit Union are not eligible for this promotion. You should continue to make all required payments until you confirm that the balance transfer was made. To avoid paying interest on new purchases, you must pay your entire balance (including any balance accrued during the promotional period) each month by the due date. We will not close your other accounts even if you transfer the entire balance. If you wish to close another account, you should contact the issuer directly. Each balance transfer will be treated as a cash advance as described in your Credit Card Agreement, will begin to accrue finance charges from the date it is posted to your account, and is subject to credit availability. If you have not activated your credit card, please call 1-800-527-7728 to do so prior to requesting a balance transfer.

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. Balance transfer fees waived February 1 through March 15, 2021 during 1% Cashback Balance Transfer Promotion.

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. Balance transfer fees waived February 1 through March 15, 2021 during 1% Cashback Balance Transfer Promotion.

2021 - 22 Holiday Hours

Martin Luther King, Jr. Day

Monday, January 18th
All locations closed.


President's Day
Monday, February 15th
All locations closed.


Good Friday
Friday, April 12th
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 31st
All locations closed.


Independence Day
Sunday, July 4th
All locations closed.


Labor Day
Monday, September 6th
All locations closed.


Columbus Day
Monday, October 11th
All locations closed.


Veterans Day
Thursday, November 11th
All locations closed


Thanksgiving Day
Thursday, November 25th
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
Friday, 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
Saturday, December 25th
All locations closed.


New Year's Eve
Friday, December 31st
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)
Saturday, January 1st
All locations closed