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1 APY = Annual Percentage Yield. The Annual Percentage Yield assumes interest remains on deposit until maturity. Minimum balance of $1,000 in new money and an open and active Ideal Checking Account are required to open the special certificate and earn the disclosed APY. If opened with additional funds beyond the required new money, the certificate will earn a blended rate, with a maximum of $1,000 earning 10.00% APY. No additional deposits or contributions may be made to the certificate after account opening. Interest begins to accrue on the business day you deposit any non-cash item (for example, checks). Interest is compounded and credited monthly. A penalty may be imposed for early withdrawal. Certificates with maturity dates of 12 months or less will be assessed the lesser of 90 days' interest or the interest earned. Account must be opened between August 10 and August 31, 2026. Rates are subject to change without notice. Insured by NCUA.
2 APR = Annual Percentage Rate. Quoted APR is best available rate for model years 2022 and newer for a 36 month term; rate may be higher depending on factors such as credit history, repayment term selected, amount financed and mileage of vehicle. Higher rates are available for terms to 84 months. Example of payment, pay $29.34 per month per $1,000 borrowed for 36 months at 3.59% APR. Actual rates based on applicant's payment and credit history. To be eligible for an 84 month term, vehicle must be 2022 or newer and minimum loan amount must be $30,000. LTV restrictions may apply. 1.00% rate discount on eligible auto, rec vehicle and personal loans now through August 31, 2026. No additional discounts apply. Rates are subject to change at any time.
3 APR = Annual Percentage Rate. Intro rate shown of 3.49% is for homeowners up to 80% combined loan-to value (CLTV), 3.99% is for homeowners up to 90% combined loan-to-value (CLTV). APR will be fixed during the 12-month introductory period. After the first twelve (12) months of the loan term, the introductory APR will revert to a variable APR based on the Prime Rate as published in The Wall Street Journal. Minimum Annual Percentage Rate (APR) Floor of 4.00%. Maximum APR is 12.00%. Your post-promotional rate will be disclosed to you prior to signing for your line of credit. On a $10,000 home equity line of credit balance at 3.49% APR, monthly payments would be $100. At 3.99% APR, monthly payments would be $100. Required payments are calculated at 1% of the outstanding balance. An increase in the Index will result in an increase in the periodic rate. APR is variable, subject to change monthly and based on the Prime Rate as published in the Wall Street Journal. Maximum loan amount is $450,000 with a 10-year draw period and up to 15-year repayment period. Properties must be owner-occupied. Not eligible for multi-family properties. Subject to qualification. Eligible for homes in Minnesota and Wisconsin only. Borrowers may request to convert up to three fixed-rate segments at any given time; rates for fixed rate loan segments are determined at the time of the request. A $250.00 processing fee applies for each fixed-rate segment established. Consumer should consult a tax advisor regarding the deductibility of interest and charges. Closing costs are waived up to $800.00 on home equity applications taken between 08/01/2026 and 08/31/2026 and must close by 11/30/2026. This special discount is not transferable. Ideal RenoFi loans are included with an introductory rate of 4.99% for the first twelve (12) months of the loan, but with no closing cost discount. Rates subject to change at any time.
4 Ideal CU Visa Signature variable APR ranges from 14.75% - 18.00% dependent on creditworthiness. 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.
