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Fewer & lower fees

Because Ideal CU is a not-for-profit financial cooperative owned by our members, we generally have fewer and lower fees.

Lower Interest rates on loans

As a not-for-profit financial, Ideal CU can offer better rates because profits are returned to all of our members instead of a select few stockholders.

Fast and friendly service

Ideal CU takes pride in offering superior service and looks for ways to say "yes." We treat our members with respect and truly value your business. All transactions are processed in real time, so you always know where your money is at. In addition, our loan officers process loans quickly and efficiently.

The vip program (member dividends)

Ideal CU rewards members for their loyalty with patronage dividends for members who have a Ideal CU Consumer Checking Account. And that's just the beginning!

Complete mortgage and title services

Ideal CU offers a full range of mortgage services. You'll enjoy working with our trustworthy mortgage loan advisors and closing your loan through Ideal Title. Ideal Credit Union is a one-stop-shop for all your home buying needs!

24-hour account access

Access your Ideal CU accounts at your convenience 24/7! Use Ideal Online, Mobile, Text or Phone banking to access your accout information when you need it.

Many surcharge-free ATMs and Shared Branch locations

Ideal Credit Union members can make surcharge-free transactions at thousands of MoneyPass & CO-OP ATMs nationwide. We also have Shared Branch locations throughout the U.S. where you can complete a variety of in-branch transactions, so you can take Ideal CU with you when you travel.

Small business solutions

Ideal CU offers a variety of financial products designed specifically for the unique needs of business owners, such as Merchant Card Services, business tax payment services, loan, checking and deposit products, and more.

Giving back to the communities we serve

Each year, Ideal CU gives thousands of dollars and many hours of volunteer service to the communities we serve. In addition, we donate money to several national and international organizations. Ideal CU strives to put the credit union's "people helping people" philosophy into action everyday!

Ideal CU won't let you down!

Our members are the reason Ideal CU exists. We will always strive to serve you to the best of our ability. For sound financial solutions and unparalleled service, there's no place like Ideal CU.