Advertising Disclosure
  1. Home
  2. Banks
  3. Ideal Credit Union

Ideal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.20%
Our Rating
3.6  / 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 5/20/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.36%
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 5/20/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 437th largest credit union in the nation. It was established in 1926 and as of December of 2024, it had grown to 160 employees and 49,379 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

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

3


Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #62978
Year Chartered1926
Employees160
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD3.05%
Annual Interest Income$51.4MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.04B$1.02B
LoansQ4 2024vs Q4 2023$849.3MM$821.7MM
DepositsQ4 2024vs Q4 2023$854.1MM$848.9MM
Equity CapitalQ4 2024vs Q4 2023$108.9MM$103.6MM
Loan Loss AllowanceQ4 2024vs Q4 2023$7.8MM$8.7MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$8.1MM$10MM
Real Estate OwnedQ4 2024vs Q4 2023$185K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.20%
Our Rating
3.6  / 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 5/20/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/20/2025
4.36%
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 5/20/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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%*$250k*-Business High Yield Money Market
OTHER TIERS: 1.50% → $0 - $25k | 2.50% → $25k - $100k | 3.10% → $100k - $250k
3.75%$25k-Business High Yield Money Market Special ($25k New Money)
1.31%*$200k*-IRA High Yield Money Market
OTHER TIERS: 1.00% → $0 - $25k | 1.06% → $25k - $100k | 1.11% → $100k - $200k
0.30%*$25k*-IRA Money Market
OTHER TIERS: 0.05% → $0 - $25k

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
4.40%$500-13 Month CD Special - New Money
4.40%$500-Business 13 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
4.40%$500-13 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.