About Ideal Credit Union

Helping you achieve your ideal life every day

Your credit union

We help you achieve the Ideal Life, whatever you determine that to be.

As a member-owned financial institution, our goal is to make our products more affordable, our rates more competitive, our services more personal, and our communities stronger through donations and volunteer commitments.

Your ideal life

All of our decisions are based on what is best for our members.

Only you can know what ideally matters most to you: a new car, a home, debt consolidation and management, higher education, or investments for a secure retirement. Our mission is to deliver the financial solutions that help you shape your Ideal Life.

Our history

It all began in 1926 with a group of forward-thinking postal employees.

In 1926 a group of forward-thinking postal employees formed a financial cooperative, giving birth to St. Paul Postal Employees Credit Union. As the credit union thrived, membership was opened from only postal employees to include family members, select employee groups and those who donated to a local Scholarship fund. In 2002, then Postal Credit Union, membership was opened to residents of Washington, Ramsey and Dakota counties, and later to Anoka, Chisago and Hennepin counties. Today, we are additionally open to the residents of Carver, Isanti, Pierce, Saint Croix, Scott, Sherburne and Wright counties.

Today, anyone can become a member and do all of their banking at Ideal Credit Union.

Become a member


Be a part of a fast-growing financial

Ideal Credit Union is pleased to be ranked #1 Best-In-State Credit Union in Minnesota by the 2023 ranking by Forbes and was recognized as a 2023 Best Places to Work honoree by the Minneapolis – St. Paul Business Journal. Ideal CU continues to grow larger each year and currently has six offices located in Eagan, Hugo, Inver Grove Heights, North St. Paul, Stillwater and Woodbury.