Personal Loans

Ideal Loans

Personal Loans

 

Couple walking in the city

Ideal for the Right Now

Life is full of unexpected hurdles and exciting opportunities; conquer and enjoy them with a low rate personal loan from Ideal Credit Union. Use an Ideal personal loan for:

 

  Large Purchases

  Unexpected Expenses

  Well Deserved Vacation

  Consolidate Debt from Elsewhere

 

 

Personal Loans & Lines Rates

Rates as of:
Personal Loans & Lines
TypeTermAPR* as low as 
StudentUp to 10 yearsLearn more 
Signature** up to $5,000Up to 36 months12.99%Apply
Signature** over $5,000Up to 60 months12.99%Apply
Overdraft Line of CreditUp to 30 months14.00%Apply
Shared Secured***Up to 60 monthsCurrent deposit rate + 3.00%Apply

* APR = Annual Percentage Rate
**Actual rate based on applicant's payment and credit history. Example of Payment Terms: Signature loan with 12.99% APR over a 36-month term would make a payment of $71.76 per $1,000 borrowed.

***The Shared Secured Loan is only available to current members who have checking account in good standing with Ideal Credit Union.

Other Ways to Borrow

Ideal VISA® Credit Cards

Afford day-to-day expenses while earing valuable rewards or cashback. You'll also be able to enjoy a low fixed or variable rate.

Learn More

Overdraft Line of Credit

An Overdraft Line of Credit backs up your Ideal Checking in the case of an overdraft. Even better, you can make cash advances from the line when the need arises.

Learn More

**Actual rate based on applicant's payment and credit history. Example of Payment Terms: Personal loan with 12.99% APR over a 36-month term would make a payment of $71.76 per $1,000 borrowed.

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