Advertising Disclosure
  1. Banks
  2. Ideal Credit Union

Ideal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Overview / Commentary
www.idealcu.com
651-770-7000
8499 Tamarack Rd
Woodbury, MN 55125

Ideal Credit Union is headquartered in Woodbury and is the 10th largest credit union in the state of Minnesota. It is also the 434th largest credit union in the nation. It was established in 1926 and as of September of 2024, it had grown to 161 employees and 49,942 members at 6 locations. Ideal Credit Union's savings rates are 7X the national average, and it has an A health rating.

Field of Membership Restrictions

Ideal Credit Union is open to anyone who lives, works, worships, attends school, or volunteers in the Minnesota counties of Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Pierce, Ramsey, Saint Croix, Scott, Sherburne, Washington or Wright. Membership is also available to out-of-area individuals by making a one-time $5 donation to the John D. Miller Foundation.
See current membership details

Related Posts

View all posts from:


Reviews (1)

Excellent Customer Service

Posted by: |

My husband and I are new members of the Ideal Credit Union thanks to the exceptional customer service provided by See Xiong-Thai at the N. St. Paul location.
Membership was not the plan. My hubby was paying off his car loan which would end the financial relationship. However, after speaking with this financial guru we learned of the many benefits of joining. See put the service back into the role of a Member Service Representative! Thank you again for your assistance on today. The Grisham’s

1


Health
A

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #62978
Year Chartered1926
Employees161
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD4.36%
Annual Interest Income$37.9MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$1.03B$1.01B
LoansQ3 2024vs Q3 2023$840.8MM$821.5MM
DepositsQ3 2024vs Q3 2023$852MM$839.5MM
Equity CapitalQ3 2024vs Q3 2023$107.8MM$102.8MM
Loan Loss AllowanceQ3 2024vs Q3 2023$7.1MM$8MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$8.6MM$8.8MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/25/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Rates
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Ideal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ideal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%$0-RoundUp Savings
3.85%*$500k*-High Yield Savings
OTHER TIERS: 3.45% → $25k - $100k | 3.60% → $100k - $500k
0.05%$0-Share Savings
0.05%$1-Business Share Savings

Ideal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$25k-Business High Yield Money Market Special ($25k New Money)
1.31%*$250k*-High Yield Money Market
OTHER TIERS: 1.00% → $0 - $25k | 1.06% → $25k - $100k | 1.11% → $100k - $250k
1.31%*$250k*-Business High Yield Money Market
OTHER TIERS: 1.00% → $0 - $25k | 1.06% → $25k - $100k | 1.11% → $100k - $250k
1.31%*$200k*-IRA High Yield Money Market
OTHER TIERS: 1.00% → $0 - $25k | 1.06% → $25k - $100k | 1.11% → $100k - $200k
0.30%*$2.5k*-Premium IRA Money Market
OTHER TIERS: 0.05% → $0 - $2.5k
0.30%*$2.5k*-Premium Money Market
OTHER TIERS: 0.05% → $0 - $2.5k

Ideal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$20kHigh Yield Checking
OTHER TIERS: 0.05% → $20k+
0.05%$0-Optimum Business Checking
0.05%$0-Simply Business Checking
0.05%$2k-Relationship Checking

Ideal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-7 Month CD Special - New Money
4.25%$500-Business 7 Month CD Special - New Money
4.00%$500-3 Month CD
4.00%$500-6 Month CD
4.00%$500-12 Month CD
3.40%$500-18 Month CD
3.40%$500-24 Month CD
3.40%$500-30 Month CD
3.40%$500-36 Month CD
3.40%$500-48 Month CD
3.40%$500-60 Month CD
2.74%$100-18 Month Savers CD
2.74%$100-24 Month Savers CD
2.74%$100-30 Month Savers CD
2.74%$100-36 Month Savers CD
2.74%$100-48 Month Savers CD
2.74%$100-60 Month Savers CD
1.56%$100-12 Month Savers CD
1.16%$100-6 Month Savers CD

Ideal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-7 Month IRA Special - New Money
4.00%$500-3 Month IRA
4.00%$500-6 Month IRA
4.00%$500-12 Month IRA
3.40%$500-18 Month IRA
3.40%$500-24 Month IRA
3.40%$500-30 Month IRA
3.40%$500-36 Month IRA
3.40%$500-48 Month IRA
3.40%$500-60 Month IRA
Locations


Ideal Credit Union Locations
Branch Office2401 McKnight Rd NNorth Saint Paul, MN 55109-2211
Branch Office3225 Denmark AveEagan, MN 55121-1382
Branch Office8499 Tamarack RdWoodbury, MN 55125-9201
Branch Office14750 Victor Hugo Blvd NHugo, MN 55038-4561
Branch Office2020 Washington Ave SStillwater, MN 55082
Branch Office7791 Amana TrlInver Grove Heights, MN 55077-2610

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.