Become a Member

Become a member of Ideal Credit Union

Why choose Ideal Credit Union?

At Ideal Credit Union, We help you achieve your Ideal Life, whatever you determine that to be. We help you move from goals to reality. 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.

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. You can count on us to provide easy access to Ideal financial solutions, so you can shape and experience the Ideal Life and enjoy success on your own terms.

Membership eligibility

Anyone can become a member of Ideal Credit Union. Meet one of the two criteria below to be eligible:

  1. Live, work, worship, attend school or volunteer in Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Pierce, Ramsey, Saint Croix, Scott, Sherburne, Washington or Wright counties.
  2. OR make a one-time $5.00 donation to the John D. Miller Foundation. Your donation is made automatically during the account opening process. 


The John D. Miller Foundation was created by a group of Postmasters who felt the importance of education. With this need, they began the fund by joining forces with the St. Paul Postal Employees Credit Union, now Ideal Credit Union. Since 1980, they have awarded over $350,000.00 to deserving students from Western Wisconsin and Eastern Minnesota.

Already a member?

Open additional accounts or apply for a loan

Opening additional accounts or applying for a loan is simple.