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Mission Statement

Sound financial solutions. Unparalleled service. Ideal Credit Union is committed to quality service. We take pride in providing our members with financial solutions they can trust and take ownership for each member experience.

Ideal Credit Union is a member-owned, full service financial cooperative. That means we have all the banking products and services you need at an affordable cost from debit cards to first mortgages and everything in between. We are different from a bank because as a credit union, we use our profits to pay you back as well as invest in our local communities.

Where we started

In 1926 a group of forward-thinking postal employees formed a financial cooperative, giving birth to St. Paul Postal Employees Credit Union where membership was limited to only postal employees. As the credit union thrived, membership was opened to family members, select employee groups, and those who joined by donating to a local Scholarship fund. In 2002, then Postal Credit Union, opened its doors to residents of Washington, Ramsey and Dakota counties and later to Anoka, Chisago and Hennepin counties in 2006.

Who we are today

Now Ideal Credit Union boasts a diverse membership of more than 48,000 and 5 convenient locations in Eagan, Hugo, North St. Paul, West St. Paul and Woodbury. In addition we've made some commitments when serving our members:

Technology driven

Ideal Credit Union takes pride in being an industry leader. Our volunteer board understands the importance of investing in the latest technology and product offerings to serve the needs of our members in this age of mobile convenience.

Community oriented

At Ideal Credit Union, we recycle money. Well not really, your dollars are literally reinvested right back into your own community. Your savings on deposit with Ideal credit union is loaned out to help your neighbor attend college, finance their first home and more. Its like recycling money right into our own backyards.

As an active community partner, Ideal Credit Union supports a variety of important causes that help fill a void and bring essential services to those in need. We also work to create awareness of these opportunities to help in our communities and encourage members and local citizens to get involved. Learn more about our community efforts.

Credit union employees can be found delivering meals to local seniors, packing pallets of food to feed our hungry neighbors, helping with various fundraisers, collecting coats for kids and more. Thousands of dollars are donated each year through the Ideal Community Foundation to worthy causes in an effort to strengthen the quality of life in the communities we serve.