Ideal Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Ideal Credit Union

Compare Ideal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Ideal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

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 CD rates or 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.

Overall, Ideal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Ideal Credit Union
Woodbury
8499 Tamarack Rd
Woodbury, MN 55125 9201
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare Ideal Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Regional Missouri Bank
Regional Missouri Bank
5-Month CD
4.94%
$1,000
Meadows Bank
Meadows Bank
12-Month CD (special)
4.75%
$1,000
First United Bank Dimmitt, TX
First United Bank Dimmitt, TX
12-Month CD
4.37%
$1,000
BluPeak Credit Union
BluPeak Credit Union
3-Month CD (special)
4.25%
$1,000
Interstate Bank
Interstate Bank
12-Month CD
4.16%
$500
Farm Bureau Bank FSB
Farm Bureau Bank FSB
18-Month CD
4.15%
$1,000
Acme Continental Credit Union
Acme Continental Credit Union
6-Month CD
4.08%
$1,000
Seasons Federal Credit Union
Seasons Federal Credit Union
24-Month CD
4.00%
$1,000
KodaBank
KodaBank
12-Month CD
3.85%
$1,000
EverTrust Bank
EverTrust Bank
12-Month CD
3.80%
$20,000
Sandy Spring Bank
Sandy Spring Bank
48-Month CD
3.50%
$1,000
Minnesota First
Minnesota First
24-Month CD
3.43%
$500
Peru Federal Savings Bank
Peru Federal Savings Bank
12-Month CD
3.30%
$1,000
Integrity Bank & Trust
Integrity Bank & Trust
36-Month CD
3.03%
$500
Security Bank of Southwest Missouri
Security Bank of Southwest Missouri
18-Month CD
3.03%
$1,000
Seamens Bank
Seamens Bank
24-Month CD
3.00%
$1,000
The Citizens Bank of Georgia
The Citizens Bank of Georgia
48-Month CD
3.00%
$500
Peoples State Bank Ellettsville, IN
Peoples State Bank Ellettsville, IN
Business Sweep Savings
2.95%
$250,000
Metropolitan Capital B&T
Metropolitan Capital B&T
12-Month CD (Jumbo)
2.75%
$100,000
1st Northern California Credit Union
1st Northern California Credit Union
12-Month CD
2.63%
$1,000
Perennial Bank
Perennial Bank
30-Month CD
2.52%
$1,000
Milton Savings Bank
Milton Savings Bank
36-Month CD
2.50%
$500
Machias Savings Bank
Machias Savings Bank
60-Month CD
2.30%
$500
Quaint Oak Bank
Quaint Oak Bank
Money Market
2.00%
$2,500
State Bank of St. Jacob
State Bank of St. Jacob
36-Month CD
2.00%
$1,000
Kitsap Bank
Kitsap Bank
24-Month CD
2.00%
$5,000
American Bank
American Bank
48-Month CD
2.00%
$500
F&M Bank Laotto, IN
F&M Bank Laotto, IN
48-Month CD
1.51%
$500
Home National Bank Racine, OH
Home National Bank Racine, OH
12-Month CD
1.50%
$500
Centier Bank
Centier Bank
18-Month CD
1.25%
$1,000
Prevail Bank
Prevail Bank
24-Month CD
1.15%
$1,000
SpiritBank
SpiritBank
12-Month CD
1.00%
$2,500
5 Star Community Credit Union
5 Star Community Credit Union
3-Month CD
1.00%
$500
Florence Bank
Florence Bank
48-Month CD
0.75%
$500
Penn Community Bank
Penn Community Bank
12-Month CD
0.75%
$500
Cincinnatus S&L Co.
Cincinnatus S&L Co.
60-Month CD
0.65%
$500
Atkins Savings B&T
Atkins Savings B&T
3-Month CD
0.50%
$1,000
Bank of Hillsboro
Bank of Hillsboro
Christmas Club
0.50%
$1
OneUnited Bank
OneUnited Bank
UNITY Plus Savings
0.40%
$100
Bank of Old Monroe
Bank of Old Monroe
Savings
0.40%
$0
First Bank of Central Ohio
First Bank of Central Ohio
36-Month CD
0.30%
$500
Unity Bank
Unity Bank
48-Month CD
0.30%
$1,000
VisionBank Of Iowa
VisionBank Of Iowa
Savings
0.30%
$100
Florence Bank
Florence Bank
18-Month CD
0.20%
$500
Bank of New Hampshire
Bank of New Hampshire
12-Month CD
0.15%
$500
Clarion County Community Bank
Clarion County Community Bank
Community Savings
0.10%
$0
Rocky Mountain Bank
Rocky Mountain Bank
High Yield Savings
0.10%
$100,000
First State Bank and Trust Bayport, MN
First State Bank and Trust Bayport, MN
Statement Savings
0.05%
$1
Bank of Star Valley
Bank of Star Valley
Savings
0.03%
$10
First FSB of Champaign Urbana
First FSB of Champaign Urbana
Statement Savings
0.01%
$100
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Ideal Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
State Employees Credit Union
State Employees Credit Union
15-Year Fixed
5.875%
6.031%
0.000
Freedom Credit Union
Freedom Credit Union
30 Year Fixed
6.000%
6.041%
0.000
Mountain America Federal Credit Union
Mountain America Federal Credit Union
15-Year Fixed
5.875%
6.128%
0.000
Citi
Citi
15-Year Fixed
6.000%
6.157%
0.875
American Bank, N.A. Le Mars, IA
American Bank, N.A. Le Mars, IA
15-Year Fixed
6.125%
6.252%
0.500
Meridian Trust Federal Credit Union
Meridian Trust Federal Credit Union
20 Year Fixed
6.125%
6.255%
0.000
Abound Federal Credit Union
Abound Federal Credit Union
15-Year Fixed
6.125%
6.265%
0.000
Catskill Hudson Bank
Catskill Hudson Bank
15-Year Fixed
6.125%
6.290%
0.000
Ideal Credit Union
Ideal Credit Union
15 Year Fixed
6.125%
6.347%
0.000
1st United Credit Union
1st United Credit Union
7/1 ARM Jumbo
6.340%
6.376%
0.000
NCB North Cambridge Coopertive Bank
NCB North Cambridge Coopertive Bank
15-Year Fixed
6.375%
6.392%
0.000
Unity Bank
Unity Bank
15-Year Fixed
6.375%
6.428%
0.000
WVS West View SB
WVS West View SB
10-Year Fixed
6.000%
6.434%
0.000
Y-12 Federal Credit Union
Y-12 Federal Credit Union
15-Year Fixed
6.250%
6.451%
1.000
Teachers Federal Credit Union
Teachers Federal Credit Union
15-Year Fixed (Jumbo)
6.375%
6.490%
0.000
Marathon Bank
Marathon Bank
20-Year Fixed
6.375%
6.516%
0.000
First Community Credit Union
First Community Credit Union
15 Year Fixed
6.500%
6.536%
0.000
Healthcare Financial Federal Credit Union
Healthcare Financial Federal Credit Union
30 Year Fixed
6.500%
6.548%
0.000
Citizens Federal S&LA
Citizens Federal S&LA
15-Year Fixed
6.375%
6.560%
0.500
Ballston Spa National Bank
Ballston Spa National Bank
30-Year Fixed
6.500%
6.560%
0.000
Rhinebeck Bank
Rhinebeck Bank
30-Year Fixed
6.500%
6.569%
0.625
Missouri Credit Union
Missouri Credit Union
15 Year Fixed
6.500%
6.585%
0.000
Rocket Mortgage
Rocket Mortgage
30 Year Jumbo Fixed
6.375%
6.608%
1.875
NASA Federal Credit Union
NASA Federal Credit Union
15-Year Fixed
5.875%
6.631%
0.000
First Citizens Federal Credit Union
First Citizens Federal Credit Union
30 Year Fixed
6.500%
6.645%
0.000
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The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Ideal Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
Acme Continental Credit Union
Acme Continental Credit Union
Acme Visa Credit Card
9.990% - 18.000%
680 and above rate = 9.90% with Score Card points or 8.80% with No points. 640-679 rate = 10.80%. 600-639 rate = 12.84%. 599 and below rate = 18.00%.
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Gold
15.400%
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Platinum
16.200%
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Visa Gold or Gold MasterCard
9.990%
Credit Line $7,000-$20,000
1st Valley Credit Union
1st Valley Credit Union
Platinum Visa
8.750%
America First Federal Credit Union
America First Federal Credit Union
PLATINUM REWARDS VISA
14.740%
1st Northern California Credit Union
1st Northern California Credit Union
Visa Shared Secured
7.900%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred
14.240% - 17.990%
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Rewards Mastercard
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
ACMG Federal Credit Union
ACMG Federal Credit Union
VISA Platinum without Rewards
7.900%
A & S Federal Credit Union
A & S Federal Credit Union
Visa Platinum Card
9.500%
No annual fee; Earn Rewards
Vystar Credit Union
Vystar Credit Union
Visa Signature® Cash Back
17.750%
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Secured
18.000%
First Technology Federal Credit Union
First Technology Federal Credit Union
Platinum Mastercard
12.240%
ACFCU
ACFCU
Max Cash Secure Card Visa
29.990%
Make improving your credit score4 even more rewarding with up to 5% cash back in 2 categories you choose
1st United Credit Union
1st United Credit Union
Visa Platinum Rewards
14.900%
ACFCU
ACFCU
Max Cash Preferred Card Visa
19.490% - 29.740%
Get more value with up to 5% cash back in 2 categories you choose.
ABNB Federal Credit Union
ABNB Federal Credit Union
ABNB VISA Signature
14.740% - 17.740%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Student
14.000%
Vystar Credit Union
Vystar Credit Union
Visa Signature® Rewards
17.750%
Suncoast Credit Union
Suncoast Credit Union
Rewards Share Secured
18.000%
Credit Limit - $300 - $5,000
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Max Rewards Visa Credit Card
15.250%
First Technology Federal Credit Union
First Technology Federal Credit Union
Choice Rewards World Mastercard
13.500%
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
Visa Credit Card
11.900%
Abbey Credit Union
Abbey Credit Union
VISA® Classic
12.960%
Show More

The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare Ideal Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
Circuit Federal Credit Union
Circuit Federal Credit Union
Personal Loans
10.250% - 10.650%
$3,000 - $25,000
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Personal Loan
9.200% - 17.950%
$0 - $2,500
36 - 36
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Personal Loan
8.490%
$0
36 - 36
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Personal Signature Loan
10.250% - 17.950%
$0
1 - 36
Vystar Credit Union
Vystar Credit Union
Personal Loans
10.000%
$0
1 - 36
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
Personal Lines of Credit
11.900% - 19.400%
$0
Vystar Credit Union
Vystar Credit Union
Personal Loans
13.250%
$0
6184
Hughes Federal Credit Union
Hughes Federal Credit Union
Signature Loan
13.450%
$0
2 Rivers Area Credit Union
2 Rivers Area Credit Union
Signature Loan
10.000%
$0
60
Accentra Credit Union
Accentra Credit Union
Personal Loan
11.760%
$0
1st Northern California Credit Union
1st Northern California Credit Union
Title Loans
5.500%
$0
Abbey Credit Union
Abbey Credit Union
Signature (Unsecured) Loan
11.040%
$0
1 - 24
Academic Employees Credit Union
Academic Employees Credit Union
Preferred Personal Loan
10.000%
$0
60
1st Street Credit Union
1st Street Credit Union
Note Loan
8.990% - 17.990%
$0
Access Community Credit Union
Access Community Credit Union
Personal Loans
12.990%
$0
13 - 60
Randolph Brooks FCU
Randolph Brooks FCU
Signature Personal Loan
12.150% - 18.000%
$0
49 - 60P
InFirst Bank
InFirst Bank
Personal Loan
13.000% - 13.200%
$1,500 - $15,000
24 - 24
The Golden 1 Credit Union
The Golden 1 Credit Union
Personal Loan
8.890%
$0
Abri Credit Union
Abri Credit Union
Readi Cash Line-of-Credit Revolving
13.900%
$500 - $15,000
University First Federal Credit Union
University First Federal Credit Union
Personal Loans
13.240%
$0 - $2,000
36 - 36
Access Federal Credit Union
Access Federal Credit Union
Consolidation Loans
14.850%
$0
37 - 60
Academic Employees Credit Union
Academic Employees Credit Union
Personal Loan
10.500%
$0 - $5,000
24 - 36
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
Signature Personal Loan
12.650%
$0 - $15,000
1 - 36
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
Open End Line-of-Credit
11.990%
$0
AHE Plant 3 Federal Credit Union
AHE Plant 3 Federal Credit Union
Unsecured (Signature) Loan
11.000%
$0 - $500
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Ideal Credit Union Information

Credit Union Name: Ideal Credit Union
Full Time Employees: 157
Part Time Employees: 7
President: Peter Olsen
CEO: Brian Sherrick
Branch Locations: 6
ATM Locations: 6
Corporate Office Address:
8499 Tamarack Rd
Woodbury, MN 55125 9201
Phone Number: 651-770-7000
Fax Number: 651-747-8939

Ideal Credit Union Financials

Total Assets:
1,009,301,023
Total Amount of Shares and Deposits:
839,501,499
Total Shares and Deposits < 1 Year:
735,139,311
Total Shares and Deposits 1 3 Years:
90,295,623
Total Shares and Deposits > 3 Years:
14,066,565
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
24,283,959
Total Uninsured Shares and Deposits > $250K (F+J):
25,408,767
Total Insured Shares and Deposits > $250K (item 17 less item K):
814,092,732
Total Interest Expense (Sum of items 6 8):
7,183,531
Share Certificates:
4,018
Number of Accounts for Share Drafts:
27,884
IRA KEOGH Accounts:
1,876
Number of Accounts for Regular Shares:
64,446
All other shares:
496
Non Member Deposits:
196
Money Market Shares:
3,620
Net Income (unless the amount is already included in Undivided Earnings):
4,934,837
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
115,802,483
Total Liabilities:
906,539,159
Show More

Ideal Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
Yes
Is Financial Counseling Offered?:
Yes
Financial Education offered for Members?:
Yes
Are financial literacy Workshops offered?:
No
Is there a first time homebuyer program?:
Yes
Credit management and repair offered?:
No
Online Financial Literacy?:
No
No Cost Bill Payer:
Yes
Mortgage Processing:
Yes
Approved Mortgage Seller?:
Yes
Brokered Certificates of Deposits:
1
Brokered Deposits (All deposits acquired through a third party):
1
payment:
No
Are low cost wire transfers available?:
No
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
Yes
Account Aggregation:
1
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Merchant Processing Services:
1
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA

Explore Other Rate Deals

Mortgage Rate Lock Expiring Because You Can't Find a Home to BuyThe first step to take when buying a home is to apply for a mortgage loan. The next step would ideally be to lock in a mortgage rate, especially these days since mortgage rates are so low and on the rise. Most lenders will give you a 30 day to 45 day lock period on a rate so you have time to find the right home and still get the rate you were quoted.
mortgage-rates-near-historic-lows-30-year-mortgage-rates-at-472-15-year-mortgage-rates-at-417Mortgage rates were down again in the latest mortgage survey released by Freddie Mac on Thursday. In the latest Primary Mortgage Market Survey, 30 year mortgage rates were down to 4.72 percent for the week ending June 10, 2010, down from the prior week's average 30 year mortgage rate of 4.79 percent. Mortgage discount points averaged 0.7 points, down from the prior week’s average of  0.8 points. The reason for these near historic low mortgage rates is bond yields fell last week on the weak employment report and mortgage rates followed lower.
finding-the-best-current-mortgage-ratesComparison shopping for the best current mortgage rate and mortgage loan type for your needs is a must. Selecting the wrong mortgage product or paying a higher rate than the mortgage rates currently available will cost you thousands or tens of thousands of dollars in extra interest payments over the life of the home loan.

Bank or Credit Union Offers and Deals

EverBank Promotional Money Market Account
Current 30 Year Mortgage Rates Still Low at 3.50 Percent but Will Increase in 2013
Mortgage Rates Rise This Week
Astoria Bank Increases Intermediate and Long Term CD Rates
Mortgage Rates - Today's Mortgage Rates
EH National Bank Money Market Account 50K Rates now at 0.83%
Banesco USA CD Rates
Current Mortgage Rates Lower This Week
EverBank 5 Year Jumbo CD Rates now at 1.73%
Retirees Rejoice as Bank CD Rates Move Higher

Alternative Bank and Credit Union Offers to Explore

30 Year Mortage Rates at 4.94% According to MBA
E-Loan 1 year CD Rate of 4.36% APY with a $25 Bonus
Cross River Bank CD Rates
Capital One Money Market Account Rates + $500 Bonus
Best Money Market Rates: M&T Bank Market Advantage Account Rate at 1.55%
Mortgage Rates Friday, January 13, 2012: 30 Year Mortgage Rates at 4.05%
Interest Mortgage Rates 11/20: 30 Year Mortgage Rates Averaging 4.38%, 15 Year Mortgage Rates Averaging 3.78%
Refinance Rates and Mortgage Rates Higher This Week: 30 Year Conforming Mortgage Rates Averaging 4.49%, 30 Year Jumbo Mortgage Rates Averaging 5.02%
Higher Mortgage Interest Rates
Top CD Rate Alert: Credit Union of Atlanta CD Rates

Ideal Credit Union Reviews

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