Looking for a new or used vehicle?

Get started now by taking a look around our Auto Resource Center. Then, let Ideal CU help put you in the driver’s seat. Our auto loan rates are among the lowest in the Twin Cities, so you can trust you’re getting the best deal on wheels. Get pre-approved for an auto loan, research new and used vehicle pricing, review helpful buying tips and more.

TruStage™ Auto Insurance Program*

TruStage™ Auto Insurance Program*

We've joined with a dedicated team of insurance professionals to bring you the TruStage Auto Insurance Program and save you money. Working with big-name companies we’ve carefully selected, you can expect top-notch service and solid value. It’s easy to get a quote and make the switch—even if you’re already covered with another company, you won’t lose a penny. Isn’t it time for car insurance the credit union way?

  • TruStage™ Auto Insurance is the coverage solution preferred by the most credit unions and their members.
  • Convenient e-service, pay your bill or make changes to your policy, even report a claim online.
  • Receive fast, easy access to claims service 24-hours a day.

Call 1-855-589-2146 to learn more, or obtain a free no obligation quote today!

©Copyright 2014, TruStage. All Rights Reserved.
*TruStage™ insurance products and programs are made available through TruStage Insurance Agency, LLC. Life insurance and AD&D insurance are issued by CMFG Life Insurance Company. Auto and Home Insurance Program are issued by leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

Get Pre-Approved

If you plan to purchase a new vehicle within the next few months, simplify the process and get pre-approved online. You can complete our online application 24/7. After you receive a response, you can shop with confidence knowing you’re already approved for the money you need.
Get Pre-Approved

Research New and Used Vehicles

Whether you're buying, selling or trading-in, it's important to do your research.
Visit NADA and Edmunds as trusted sources for:

  • Pricing information on new and used cars       
  • Side-by-side price comparisons
  • Tips for buying and selling
  • Manufacturer incentives
  • Consumer reviews
  • And more!

Protect Your Investment With GAP Plus

Protect your vehicle investment with Guaranteed Asset Protection (GAP). Ideal Credit Union offers GAP at a low price to prevent you from incurring a substantial loss. Typically, insurance policies will only cover the value of your vehicle if it is totaled beyond repair or stolen. GAP will cover the difference between the value of your vehicle and the amount you owe, so you will be able to afford a comparable replacement.

Here's how the GAP Plus works for you:


Original purchase price$25,000
Loan balance after one year$20,000
Insurance settlement covering vehicle's current value$16,000
Your lost investment without GAP Plus$4,000
(Including your deductible) 
GAP Plus waives the difference$4,000
Funds provided toward financing or leasing a replacement vehicle with Ideal Credit Union$1,000
Total GAP Plus Benefit$5,000

Learn more about GAP Plus

Protect Your Investment with Mechanical Repair Coverage

Protect your new or used auto with Mechanical Repair Coverage (MRC) so you are prepared when the unexpected happens. As your vehicle gets older and more wear and tear, costs of repairs and unexpected expenses can be costly. MRC protects you from thos costs and gives you peace of mind. You can't afford not to purchase this coverage with this vehicle.

Mechanical Repair Coverage Important facts:

  • Lock-in Repair costs
  • Towing
  • Flat Tire assistance
  • Battery jump starting
  • Lockout service

Add coverage at any time, even if your auto loan is paid off.  All plans come with 24/7 Emergency Road Service.  To discuss further, simply call 651-770-7000 and hit #2 twice for one of Ideal Credit Union’s loan specialists.

Learn more about Mechanical Repair Coverage (MRC)