Personal Loans

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No-Cost Seminars

Home Buying Education

Reserve your seat for our Home Buying Education Seminar on Thursday, February 22nd. Whether you are a first time home buyer or looking for a change in housing, this seminar will provide you with the information and tips you need to make the most of your purchase, including:

  • Knowing when you're ready to buy
  • Home buying steps
  • A walk through of the preapproval process
  • And more!

Reserve Your Seat

When and Where

Thursday February 22, 2018

6:00 PM - 8:00 PM

Ideal Credit Union  |  Hugo
14750 Hugo Blvd.
Hugo, MN 55038

Reserve Your Seat

Meet our Guest Presenters

Rachel Scarrella from Edina Realty

With over 10 years of real estate experience in the Twin Cities, Rachel works hard so that each of her clients reach their goal when it comes to buying or selling a home.

Matt Olson from Liberty Mutual

Learn about TruStage Insurance and the discounts you can receive as a member of Ideal Credit Union.

Skip the down payment

Zero Down Mortgage

Get into your new home sooner

Ideal Credit Union's Zero Down Mortgage Program puts you in your new home sooner. Take that extra cash for a down payment and spend it on other expenses such as new appliances, decor, and more.

The upside of zero down

  • Enjoy a fixed low rate
  • Available for 15 or 20 year terms*
  • Loan amounts up to $475,000

What you need to know

  • Available for single family and townhomes
  • Not available for refinances
  • Minimum eligible credit score is 700

Ready to get started?

Apply Online
Make an Appointment
Call 651-747-4663

*Zero Down Mortgage Program available for qualified applicants with minimum 700 credit score. Some restrictions may apply. Available for purchase transactions and owner occupied residence up to max loan amount of $475,000. Payment example: On a $200,000 mortgage loan at 5.181% APR for a 15 year term, monthly payments would be $1,600.51. Subject to mortgage insurance approval. Not eligible for condos or multi-family properties.

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IRA Money Market Special

Earn a guaranteed 1.00% APY* now through April 30, 2018 with a minimum opening balance of $25,000. This limited time special brings you the high return you're looking for while still maintaining complete liquidity of your funds.

Earn a guaranteed
1.00% APY*
through April 30, 2018
Time to roll over your IRA?
Earn a high yield with less risk

Limited time offer

Peace of Mind

Earn a guaranteed 1.00% APY* through April 30, 2018 with a minimum $25,000 balance.

Grow Your Balance

Unlike Certificates of Deposit, you can add money to your account any time.

NCUA Insured**

Your investments are NCUA insured and your principal investment is guaranteed!


Call 651-770-7000

*Annual Percentage Yield (APY) is accurate as of February 1, 2018. Rate guaranteed through 04/31/2018. $25,000 minimum balance needed to obtain stated APY. Members with funds currently on deposit with Ideal Credit Union must bring an additional $25,000 not on deposit with Ideal to qualify for the 1.00% APY promotion. Fees may reduce earnings. On 05/01/2018, APYs will change based on the following tiers: under $25,000 - .10%; $25,000 - $49,999.99 - .25%; $50,000 - $99,999.99 - .45%; $100,000 - 199,999.99 - .55%; $200,000 or greater - .65%. APYs for these tiers are guaranteed not to drop below the corresponding APYs.

**Based on the amount on deposit and how the account is established, the entire amount may not be NCUA insured.

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