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*APR = Annual Percentage Rate

1. Ideal CU Visa Signature variable APR ranges from 14.75% - 18.00% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Cash Advance fees are 3% of each advance (Minimum $10.00). Card Shipment Rush Fee $40. The Ideal CU Visa Signature® Credit Card Rewards Program (“Program”) is available to primary cardholders with an open and active Ideal CU Visa Signature® account. Additional cardholders may earn rewards on eligible purchases but are not eligible for separate bonus offers. Cardholders earn 2.00% cash back on every $1 of eligible net purchases. Net purchases are defined as the sum of eligible purchase transactions minus returns and refunds. Exclusions: Cash advances, convenience checks, balance transfers, gambling transactions, and any fees (including finance charges, late fees, returned check fees, and ATM cash advance fees) do not earn rewards. Cash-equivalent transactions (e.g., gift cards, prepaid cards) may not qualify. Ideal CU reserves the right to amend qualifying transactions and offer special promotions. Account must be open and current to redeem rewards. Rewards are forfeited if the account becomes past due. New accounts may qualify for a $200 bonus after spending $2,000 in eligible net purchases within the first 2 months of account opening. Limit one bonus per new account. Bonus will be credited within 1–2 billing cycles after qualification. Rates subject to change at any time. See full card disclosure.

2. Ideal CU Blue Rewards variable APR ranges from 14.75% - 18.00% dependent on creditworthiness. Afterwards APR varies with market based on Prime Rate. No Annual Fee. Cash Advance fees are 3% of each advance (Minimum $10.00). Foreign Transaction fees are up to 1% of each transaction in U.S. Dollars. Card Shipment Rush Fee $40. Rates subject to change at any time. See full card disclosure.

3. Ideal CU Gold non-variable APR ranges from 12.50% - 18.00% dependent on creditworthiness. Cash Advance fees are 3% of each advance (Minimum $10.00). No annual fee. Foreign Transaction fees are 1% of each transaction in U.S. Dollars. Card Shipment Rush Fee $40. Rates subject to change at any time. See full card disclosure.