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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Ideal Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 27, 2026
Ideal Credit Union's 13 month CD Special rates are at 3.65%, 13-Month New Money CD Special rates are at 3.65%. Ideal Credit Union's savings rates are at 0.05%. Ideal Credit Union's money market rates are at 0.05%. Ideal Credit Union's 5/1 ARM - Conventional rates are at 5.12%, 15 Yr. Fixed - Conventional rates are at 5.75%, 7/1 ARM - Conventional rates are at 5.38%, 5/5 ARM - Conventional rates are at 5.25%, 15 Yr. Fixed - Jumbo rates are at 6.00%. Ideal Credit Union's Personal Loan Rates are at 7.59%. MonitorBankRates evaluates the financial stability of Ideal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.40%. Rates were last updated on 03/27/2026. Ideal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Ideal Credit Union? Share your experience about Ideal Credit Union by leaving a review below, or read customer reviews before you decide to use Ideal Credit Union. 
Ideal Credit Union CD Rates
Ideal Credit Union Savings Rates
Ideal Credit Union Money Market Rates
Ideal Credit Union Checking Rates
Ideal Credit Union Mortgage Rates
Ideal Credit Union Home Equity & HELOC
Ideal Credit Union Credit Card Rates
Ideal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Ideal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Ideal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Ideal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Ideal Credit Union
Website
https://www.idealcu.com
Address
8499 Tamarack Rd,
Woodbury, MN 55125 9201
Phone
651-770-7000
Fax
651-747-8939
President
Peter Olsen
CEO
Brian Sherrick
Full-Time Employees
164
Part-Time Employees
3
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.40%
Return on Assets (ROA)
0.2635%
Return on Equity (ROE)
2.5425%
Non-Performing Loans Ratio (NPL)
0.70%
Total Assets
1,090,349,730
Total Amount of Shares and Deposits
914,294,218
Total Shares and Deposits < 1 Year
863,732,006
Total Shares and Deposits 1 3 Years
46,169,560
Total Shares and Deposits > 3 Years
4,392,653
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
36,718,728
Total Uninsured Shares and Deposits > $250K (F+J)
37,254,594
Total Insured Shares and Deposits > $250K (item 17 less item K)
877,039,624
Total Interest Expense (Sum of items 6 8)
14,845,005
Share Certificates
4,042
Number of Accounts for Share Drafts
28,202
IRA KEOGH Accounts
1,717
Number of Accounts for Regular Shares
63,353
All other shares
516
Non Member Deposits
169
Money Market Shares
2,150
Net Income (unless the amount is already included in Undivided Earnings)
2,872,745
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
114,222,370
Total Liabilities
978,131,497
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Ideal Credit UnionIs Ideal Credit Union a safe place to deposit money?Yes, Ideal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.4022659849027%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Ideal Credit Union operate?Ideal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Ideal Credit Union?Yes, to access services at Ideal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Ideal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Ideal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Ideal Credit Union offer online and mobile banking?Most modern institutions like Ideal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.idealcu.com. Current Ideal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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