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Credit Card Rates

VISA® Credit Card Rates

Rates as of:
Card typeAPR*

Visa Blue Rewards 

Variable 9.15% - 17.15%1
Visa Gold  Fixed 9.90% - 15.90%2

*Annual Percentage Rate

1. Ideal CU Blue Rewards Variable APR (Annual Percentage Rate) ranges from 9.15% - 17.15% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Transaction fees for balance transfer and convenience checks are 2% of the amount of each transfer not to exceed $75.00 (Minimum $10) and Cash Advance fees are 2% of each advance (Minimum $10.00). Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.

2. Ideal CU Gold fixed APR (Annual Percentage Rate) ranges from 9.90% - 15.90% dependent on creditworthiness. No annual fee. Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Fast track card ship fee $35. Convenience Check Stop Payment fee $35.

Ideal Loan & Deposit Rates