Stand Up To Cancer
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You Can Help Raise up to $4,000,000 for Stand up to Cancer®

Life is busy. Enjoying a meal out with your family, friends or co-workers is one of those little indulgences we all appreciate from time to time. So, whether you’re grabbing a quick breakfast on the way to work, sitting down with some colleagues for lunch or dining out with the ones you love – you can help in the fight against cancer when you pay with your Ideal CU Debit MasterCard.

How to Participate

From July 13, 2015 through September 15, 2015, when you spend $10 or more on your MasterCard to pay for a meal, MasterCard will donate up to $4 million to Stand Up To Cancer – one precious cent at a time.* It’s so easy. Just pay with MasterCard. Because a meal that makes a difference is Priceless®.

Learn More

*One cent donation applies to qualifying restaurant purchases made with a U.S. MasterCard. Promotion ends on Sept. 15, 2015 or at our $4 million goal, whichever comes first. PIN and International transactions ineligible. Stand Up To Cancer is a program of the Entertainment Industry Foundation (EIF), a 501(c)(3) tax-exempt organization and meets all 20 BBB Charity Standards. Stand Up To Cancer and Stand Up To Cancer Brand Marks are registered trademarks of EIF.

Ideal Credit Union Free Sample Giveaway Official Rules

  1. This Free Sample Giveaway promotion is sponsored by Ideal Credit Union, 8499 Tamarack Road, Woodbury MN 55125.
  2. The promotion will run from August 10 through August 14, 2015. Attendees at our Special Community Celebration Event will receive one (1) free $1.00 sample from our vault between 11:30 a.m. and 1:30 p.m. and an official entry form to complete for the daily random $1,000 drawing. The serial number from the free $1.00 sample must be recorded on the official form to be valid. Limit one (1) free sample/entry per person per day at the host branch. Must be 18 years of age or older to receive sample and/or enter drawing.
  3. $1,000 random drawings will be held at the following locations on the following days:
    • Monday, August 10 – Eagan office, 3225 Denmark Ave.
    • Tuesday, August 11 – Hugo office, 14750 Victor Hugo Blvd. N.
    • Wednesday, August 12 – North St. Paul office, 2401 N. McKnight Rd.
    • Thursday, August 13 – West St. Paul office, 1725 S. Robert St.
    • Friday, August 14 – Woodbury office, 8499 Tamarack Rd.
    Winners will be notified by the end of the business day.
  4. No purchase necessary to win. To enter the random drawing without attending, send a 3 ½ ”x 5” postcard with your name, address, and phone number to “Ideal CU Free Sample Giveaway” Ideal Credit Union, 8499 Tamarack Road, Woodbury, MN 55125. Mail-in entries must be received by Friday, August 7, 2015.
  5. All attendees 18 years of age and older, except Ideal Credit Union employees, Board of Directors and Supervisory Committee members are eligible to win.
  6. All entries must be received by the host branch by 1:30 p.m. to be eligible for the drawing. Winners will be notified by the end of the business day.
  7. Odds of winning depend on the number of entries received. Winners need not be present to win. Winners will be notified by phone. Prize winners will be featured in credit union publicity and will be asked to complete a publicity release form.
  8. Ideal Credit Union reserves the right to disqualify entries that are incomplete or do not comply with official rules. Decisions are final and not subject to appeal.
  9. Winner will be responsible for all federal, state and local income taxes and may be required to certify their Taxpayer Identification Number on IRS Form W-9 if requested. Winnings are subject to 1099 reporting. This offer is void where prohibited.

©2015 Ideal Credit Union. All rights reserved.


Home Equity Options

Put your home’s equity to good use

Consolidate debt, make home improvements, pay for an education, or prepare for the unexpected with a Home Equity option from Ideal Credit Union.

A Home Equity Loan makes a great option because:

  • Home equity loans offer potential tax savings with interest paid being tax deductible
  • Home equity loans typically have lower rates than credit cards or other unsecured loans
  • Home equity loans are a great way to access your hard earned equity to fund other life expenses

Ideal CU Home Equity Options

 Visa Platinum Home Equity Line of CreditHome Equity Installment LoanHome Equity Line of Credit
Check RatesApplyApplyApply
DescriptionLine of credit that you draw on with a credit card when the need arisesInstallment loan with a fixed termLine of credit you draw on as the need arises
Maximum Loan to Value1Up to 80%Up to 80%Up to 80%
Maximum Loan Amount$150,000$150,000$75,000
Maximum TermUp to 20 years - 5 year draw and a 15 year repayment periodUp to 15 yearsUp to 20 years - 5 year draw and a 15 year repayment period
Annual Percentage Rate6Variable Rate2Fixed RateVariable Rate3
Minimum Monthly PaymentInterest only4Fixed amount, based on initial disbursement$1.50 per $100 of the balance outstanding or $150, whichever is greater
Access/Cash Advance OptionsVisa Platinum Card and cash advances at ATM machinesFunds are disbursed in one lump sumPhone transfers and in-lobby advances

1. Some housing exceptions apply. 2. Minimum Annual Percentage Rate (APR) Floor of 5%. APR calculation is subject to change monthly and is based on the fol - lowing: balances of $25,000 and greater will be calculated at Prime Rate (as published in the Wall Street Journal) minus 0.25%/ balances $24,999.99 and lower will be calculated at WSJ Prime Rate. 3. Rates subject to change in August of each year, minimum APR of 6%. 4. Interest only payments can be made for the first five years during draw period. After the draw period ends, required payments are calculated at $1.25 per $100 of the outstanding balance or $150, whichever is greater. 5. Consult your tax advisor. 6. For current rates, visit

Start-your-home-search Start your home search Contact-a-Mortgage-AdvisorFind a Real Estate Agent Home-Rebate Home Rebate Program
 Get-a-mortgage Apply for a MortgageCalculate-payments-and-tools

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calculate payments

 PCU-Title Learn more about
mortgage financing

VISA® Gift Cards

Show You Care with an Ideal CU VISA Gift Card

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  • Available for any amount between $25 and $500
  • Accepted at any merchant displaying the Visa logo, including those that are just down the street, online, or even in another country.
  • Protected against loss or theft*.
  • Only $4.99 per card.
  • Used as easily as any Visa Credit or Check Card
  • Visa Gift Cards are available for purchase at all Ideal CU branches
  • Manage your account on the My Gift Card website

Questions or concerns about Visa Gift Cards already purchased? Contact the 24 hour customer service line 1-866-902-6082

Please note: Must be a member of Ideal CU or a Shared Branch Member to purchase Visa gift cards

Visa Gift Card Frequently Asked Questions

Visa Gift Card Full Terms & Conditions

Who should I contact with questions regarding enrollment and set up?

Please contact Commercial Services at 651-747-8900 or e-mail at This email address is being protected from spambots. You need JavaScript enabled to view it.. Should you choose to e-mail, please do not include any sensitive account information.

If I delete Sub-User Administrators, will their sub-users be deleted as well?

No. The sub-users are considered “children” of the primary commercial users, so they remain in the system.

What steps should I take if a sub-user no longer works for my business?

The sub-user’s access ID should be disabled immediately to prevent any unauthorized access to the business accounts. Ideally, the sub-user access ID for the former employee should be reassigned to another employee rather than deleted, as deleting an access ID affects any pending commercial transactions originated and/or approved by the sub-user. A sub-user’s access ID cannot be reassigned to another sub-user once it has been deleted.

User types within Business Online Banking

Focus Member

Individual who initially enrolls on behalf of the company. The Focus Member is an individual who is both an authorized signer on an eligible Business Member account and has been given the authority to establish and manage Sub-User access to Ideal Credit Union Online Banking. The Focus Member is considered to have full authority to act on behalf of the Business Member and any other authorized signers. A Focus Member can designate and remove Sub-Users and may assign certain administrative rights to a Sub-User.

Sub-User Administrator

Refers to an administrative user available only to Business Members. A Sub-User Administrator may administer and assign access rights to Sub-Users.


An Authorized User who has been assigned access to an Eligible Account by a Focus Member or Sub-User Administrator. Sub-Users may be granted full or limited access to originate online transfers such as ACH transactions and/or wire transfers.

For general questions regarding online & mobile banking, please refer to Ideal CU Online & Mobile Banking FAQs.