Account Management

Loan Management

Your loan makes you a member

Whether you established your loan directly through Ideal Credit Union or through a dealership, you're now a member of Ideal Credit Union. This means you have access to online and mobile banking tools that make managing your loan simple.

Payment options and account access

To help you get started, we've provided your payment options below. If you have any questions regarding these options, please visit us at any Ideal Credit Union branch or call us at 651-770-7000.

Ideal CU Online Access & eStatements

Enroll in online banking to check your loan balance, access statements, make your payment with funds from an Ideal Credit Union account and more. Once enrolled, you can download the Ideal Mobile Banking App for even more convenience.

Enroll in Online Banking

Automatic payment from another financial

(Routing Number: 296076262)

  • Use your primary financial institution's bill pay services
  • Set up an External Transfer within Ideal Online Banking

Check by phone: $12.00

Running short on time? Avoid a late charge and make a next-day loan payment over the phone by calling us at 651-770-7000. Submit your request before 3:00 p.m. CST to ensure your payment will be processed the following business day.

Make payments from an Ideal Checking Account

Open an Ideal Checking Account and establish a direct deposit to make your loan payments automatically from that account.

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