Ideal Credit Union
Verified rate book
Current Ideal Credit Union rates
35 published offers verified as of August 3, 2026.
Auto & vehicle rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Effective Date: August 03, 2026 (Up to 36 months)auto_any_36mo | 4.590% APR | 4.590% | 36 mo | Standard |
| Effective Date: August 03, 2026 (Up to 48 months)auto_any_48mo | 4.790% APR | 4.790% | 48 mo | Standard |
| Effective Date: August 03, 2026 (Up to 60 months)auto_any_60mo | 5.040% APR | 5.040% | 60 mo | Standard |
| Effective Date: July 30, 2026 (Up to 36 months)auto_any_36mo | 5.140% APR | 5.140% | 36 mo | Standard |
| Effective Date: August 03, 2026 (Up to 72 months)auto_any_72mo | 5.240% APR | 5.240% | 72 mo | Standard |
| Effective Date: July 30, 2026 (Up to 48 months)auto_any_48mo | 5.290% APR | 5.290% | 48 mo | Standard |
| Effective Date: July 30, 2026 (Up to 60 months)auto_any_60mo | 5.490% APR | 5.490% | 60 mo | Standard |
| Effective Date: July 30, 2026 (Up to 72 months)auto_any_72mo | 5.590% APR | 5.590% | 72 mo | Standard |
| Effective Date: August 03, 2026 (Up to 84 months (must be 2022 or newer**))auto_any_84mo | 5.790% APR | 5.790% | 84 mo | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Flexible HELOC * (up to 90% property value)heloc_variable | 6.750% APR | 6.750% | — | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Ready Cash Line of Credit 2ploc_variable | 10.500% APR | 10.500% | — | Standard |
| No Equity Home Improvement Loan **personal_unsecured_72mo | 10.740% APR | 10.740% | 72 mo | Standard |
| Signature 1personal_unsecured_72mo | 10.990% APR | 10.990% | 72 mo | Standard |
Credit card rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Visa Signature - Variable 1credit_card_platinum | 18.000% APR | 18.000% | — | Standard |
| Visa Gold - Non-variable 3credit_card | 18.000% APR | 18.000% | — | Standard |
| Visa Blue Rewards - Variable 2credit_card_rewards | 18.000% APR | 18.000% | — | Standard |
Savings & CD rates
9 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 6-Month Certificatecd_6mo | 1.06% APY | 1.05% | 6 mo | Standard |
| 12-Month Certificatecd_12mo | 1.46% APY | 1.45% | 12 mo | Standard |
| 48-Month Certificatecd_48mo | 2.64% APY | 2.60% | 48 mo | Standard |
| 18-Month Certificatecd_18mo | 2.64% APY | 2.60% | 18 mo | Standard |
| 60-Month Certificatecd_60mo | 2.64% APY | 2.60% | 60 mo | Standard |
| 36-Month Certificatecd_36mo | 2.64% APY | 2.60% | 36 mo | Standard |
| 30-Month Certificatecd_30mo | 2.64% APY | 2.60% | 30 mo | Standard |
| 24-Month Certificatecd_24mo | 2.64% APY | 2.60% | 24 mo | Standard |
| 3-Month Certificatecd_3mo | 3.00% APY | 3.00% | 3 mo | Standard |
Other rates
10 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Effective Date: July 30, 2026 (Non-Qualified)other | 0.050% % | 0.050% | — | Standard |
| Effective Date: July 30, 2026 ($20,000.01+)other | 0.050% % | 0.050% | — | Standard |
| Effective Date: July 29, 2026 (Non-Qualified)other | 0.050% % | 0.050% | — | Standard |
| Effective Date: July 29, 2026 ($20,000.01+)other | 0.050% % | 0.050% | — | Standard |
| Effective Date: July 30, 2026other | 3.000% % | 3.000% | — | Standard |
| Effective Date: July 29, 2026other | 3.000% % | 3.000% | — | Standard |
| Effective Date: July 29, 2026 (13 Months)other | 3.680% % | 3.680% | — | Standard |
| Effective Date: July 30, 2026 (13 Months)other | 3.680% % | 3.680% | — | Standard |
| Effective Date: July 29, 2026 ($0 - $20,000.00)other | 5.000% % | 5.000% | — | Standard |
| Effective Date: July 30, 2026 ($0 - $20,000.00)other | 5.000% % | 5.000% | — | Standard |
Auto loans available from 4.59% APR for 36 months. HELOC rates from 6.75% APR. Personal loan rates from 10.5% APR. Credit card rates from 18% APR. Savings and certificate yields up to 3.00% APY.
Source: RateAPI.dev, verified from Ideal Credit Union's official website
Loading branch locator…
About Ideal Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 48.4K
- Assets
- $1.1B
- Founded
- 1926
- Locations reported
- 6
- NCUA charter
- 62978
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Ideal Credit Union
Membership eligibility from Ideal Credit Union's own published criteria. How we verify this.
Open to anyone. Anyone can become a member — no employer, location, or affiliation requirement.
- LocationAnoka, Carver, Chisago, Dakota, Hennepin, Isanti, Pierce, Ramsey, Scott, Sherburne, Washington, Wright
Cost to join: About $5.
Verified from Ideal Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Ideal Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Ideal Credit Union ranks against Minnesota peers.
Frequently Asked Questions
What rates does Ideal Credit Union offer?
Ideal Credit Union currently offers Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.
How often are Ideal Credit Union rates updated?
RateAPI verifies Ideal Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.
Where does RateAPI get Ideal Credit Union's rate data?
Rate data is collected directly from Ideal Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Ideal Credit Union's auto loan rates?
As of August 3, 2026, Ideal Credit Union offers auto loans from 4.59% APR.
What is Ideal Credit Union's HELOC rate?
As of August 3, 2026, Ideal Credit Union offers home equity lines of credit from 6.75% APR.
What is Ideal Credit Union's personal loan rate?
As of August 3, 2026, Ideal Credit Union offers personal loans from 10.5% APR.
What is Ideal Credit Union's best CD rate?
As of August 3, 2026, Ideal Credit Union offers savings and certificate (CD) yields up to 3.00% APY.
Related Rate Data
Compare Ideal Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Ideal Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when Minnesota credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for Ideal Credit Union
curl "https://api.rateapi.dev/credit-unions/minnesota/ideal" \
-H "Authorization: Bearer YOUR_API_KEY"