Featured Savings Rates
Featured Accounts

Ideal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.80%5-year CD60 Month Savers CD
0.10%1-year CD12 Month Savers CD
0.05%SavingsReserve Savings

Overview / Commentary
651-770-7700
8499 Tamarack Rd
Woodbury, MN 55125-9201

Ideal Credit Union is headquartered in Woodbury and is the 9th largest credit union in the state of Minnesota. It is also the 400th largest credit union in the nation. It was established in 1926 and as of March of 2016, it had grown to 113 employees and 48,820 members at 6 locations. Ideal Credit Union has an A health rating.

Field of Membership Restrictions

Ideal Credit Union of Minnesota is open to the businesses, accredited institutions, residents, church members, registered students, and the people that maintain employment within these qualified counties: Anoka, Chisago, Dakota, Hennepin, Ramsey, and Washington, along with all employees and affiliated employees of the US Postal Service; including those postal employees within the state that are not currently represented by a credit union, anyone that donates to the John D. Miller Foundation, credit union employees, and the family members of current credit union members. family members of current credit union members.
See current membership details

Reviews (1)

Great Place

Posted by: Anonymous | Oct 26, 2011

Great place. Rates are pretty low on all accounts, but no fees accounts, great local employees. Can't go wrong versus your large banks.

Unfortunately for PCU, I keep my savings at Alliant, but I have my checking and car loan through them. I live close to a branch. I would recommend them to anyone (locally for sure). They are part of the shared branch system too.



Health
A

Health Grade Components

Overall
NCUA #62978
Year Chartered1926
Employees113
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD7.9%
Annual Interest Income$4.9MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$638.7MM$603.0MM
LoansQ1 2016vs Q1 2015$489.9MM$464.7MM
DepositsQ1 2016vs Q1 2015$508.3MM$480.7MM
Equity CapitalQ1 2016vs Q1 2015$56.5MM$52.7MM
Loan Loss AllowanceQ1 2016vs Q1 2015$2.6MM$2.5MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$2.5MM$1.8MM
Real Estate OwnedQ1 2016vs Q1 2015$683.00K$1.0MM
Rates
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* 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
0.35%*$100k*-Health Savings Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k | 0.20% $50k - $100k
0.05%--Share Savings
0.05%--Reserve Savings
0.05%--Christmas Club
0.05%--Vacation Club

Ideal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$100k*-Premium IRA Money Market
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k | 0.20% $50k - $100k
0.35%*$100k*-Premium Money Market
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k | 0.20% $50k - $100k

Ideal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Optimum Business Checking
OTHER TIERS: 0.10% $50k - $100k
0.15%*$50k*-Relationship Checking
OTHER TIERS: 0.05% $2k - $50k
0.05%$500$50kSimply Business Checking

Ideal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$70k*-60 Month CD
OTHER TIERS: 1.06% $500 - $25k | 1.16% $25k - $70k
1.00%*$70k*-26 Month Special CD
OTHER TIERS: 0.80% $500 - $25k | 0.90% $25k - $70k
0.95%*$70k*-48 Month CD
OTHER TIERS: 0.75% $500 - $25k | 0.85% $25k - $70k
0.85%*$70k*-36 Month CD
OTHER TIERS: 0.65% $500 - $25k | 0.75% $25k - $70k
0.85%$2,500-60 Month Bump-up CD
0.80%*$70k*-30 Month CD
OTHER TIERS: 0.60% $500 - $25k | 0.70% $25k - $70k
0.80%$100-60 Month Savers CD
0.70%*$70k*-13 Month Special CD
OTHER TIERS: 0.50% $500 - $25k | 0.60% $25k - $70k
0.60%*$70k*-24 Month CD
OTHER TIERS: 0.40% $500 - $25k | 0.50% $25k - $70k
0.60%$100-48 Month Savers CD
0.55%*$70k*-18 Month CD
OTHER TIERS: 0.35% $500 - $25k | 0.45% $25k - $70k
0.45%$2,500-36 Month Bump-up CD
0.45%$100-36 Month Savers CD
0.40%$100-30 Month Savers CD
0.30%*$70k*-6 Month CD
OTHER TIERS: 0.10% $500 - $25k | 0.20% $25k - $70k
0.30%*$70k*-12 Month CD
OTHER TIERS: 0.10% $500 - $25k | 0.20% $25k - $70k
0.30%$100-24 Month Savers CD
0.25%*$70k*-91 Day CD
OTHER TIERS: 0.05% $500 - $25k | 0.15% $25k - $70k
0.25%$100-18 Month Savers CD
0.10%$100-12 Month Savers CD
0.05%$100-6 Month Savers CD

Ideal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$70k*-60 Month IRA
OTHER TIERS: 1.06% $500 - $25k | 1.16% $25k - $70k
0.95%*$70k*-48 Month IRA
OTHER TIERS: 0.75% $500 - $25k | 0.85% $25k - $70k
0.85%*$70k*-36 Month IRA
OTHER TIERS: 0.65% $500 - $25k | 0.75% $25k - $70k
0.80%*$70k*-30 Month IRA
OTHER TIERS: 0.60% $500 - $25k | 0.70% $25k - $70k
0.60%*$70k*-24 Month IRA
OTHER TIERS: 0.40% $500 - $25k | 0.50% $25k - $70k
0.55%*$70k*-18 Month IRA
OTHER TIERS: 0.35% $500 - $25k | 0.45% $25k - $70k
0.30%*$70k*-6 Month IRA
OTHER TIERS: 0.10% $500 - $25k | 0.20% $25k - $70k
0.30%*$70k*-12 Month IRA
OTHER TIERS: 0.10% $500 - $25k | 0.20% $25k - $70k
0.25%*$70k*-91 Day IRA
OTHER TIERS: 0.05% $500 - $25k | 0.15% $25k - $70k
Locations


Ideal Credit Union Locations
Branch Office2401 McKnight Rd NNorth Saint Paul, MN 55109-2211
Branch Office3225 Denmark AveEagan, MN 55121-1382
Branch Office828 Greenway Ave NOakdale, MN 55128-6200
Branch Office8499 Tamarack RdWoodbury, MN 55125-9201
Branch Office14750 Victor Hugo Blvd NHugo, MN 55038-4561
Branch Office1725 Robert St SWest Saint Paul, MN 55118-3934