Ideal Credit Union Rates and Review February 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.
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Ideal Credit Union's 13 month 13-Month New Money CD Special rates are at 3.65%, CD Special 13 month rates are at 3.65%, Regular & IRA CD 12 Month rates are at 3.40%, Regular & IRA CD 6 Month rates are at 3.00%, Savers CD 18 Month rates are at 2.64%. 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 Jumbo Mortgage 15 Yr. Fixed rates are at 5.62%, Jumbo Mortgage 30 Yr Fixed rates are at 6.00%, 30 Yr. Fixed - VA rates are at 6.25%, 30 Yr. Fixed - FHA rates are at 6.25%. Ideal Credit Union's Personal Loan Rates are at 7.59%.
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 by leaving a review below, or read customer reviews before you decide to use . Ideal Credit Union Texas RatioIdeal Credit Union's Texas Ratio is at 5.40%, which is considered excellent. The Texas Ratio for Ideal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Ideal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Ideal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Ideal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
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 Auto Loan Rates
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 & OverviewCredit Union Name: Ideal Credit Union
Website: https://www.idealcu.com
Full Time Employees: 164Part Time Employees: 3 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 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
Frequently Asked Questions About Ideal Credit UnionIs a member application needed to join Ideal Credit Union?Yes, to access services at Ideal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Ideal Credit Union provides a range of mortgage and home equity products. Is Ideal Credit Union a safe place to deposit money?Yes, Ideal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Ideal Credit Union offer online and mobile banking?Most modern institutions like Ideal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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