Ideal Credit Union Rates and Review January 2026
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. Rate Updates and AvailabilityIdeal 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. Current Interest RatesRate
APY/APR
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"N/A" indicates the product is not offered or the rate is unavailable. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
CD & Savings Rate ComparisonShow More
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. Mortgage Rate ComparisonLender
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Credit Card Rate ComparisonStudent Select Rewards Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Classroom Supply Visa
8.500%
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
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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. Personal Loan Rate ComparisonPersonal Signature Loan
10.250% - 17.950%
$0
1 - 36
Personal Loans
10.000%
$0
1 - 36
Signature Loan
10.700%
$0 - $10,000
60 - 60
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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. 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
Customer ReviewskfhH
December 17, 2025
LRUH
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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 |
