Ideal

woodbury, Minnesota
Last verified: July 11, 2026

As of July 11, 2026, Ideal offers a cd_6mo mortgage at 1.06% APR (1.05% rate, 0 points). Auto loans available from 2.99% APR. HELOC rates from 3.49% APR. Personal loan rates from 10.74% APR.

Source: RateAPI.dev, verified from Ideal's official website

Who Can Join Ideal

Membership eligibility from Ideal's own published criteria. How we verify this.

Open to anyone. Anyone can become a member — no employer, location, or affiliation requirement.

Cost to join: About $5.

Verified from Ideal's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 11, 2026

cd_6mo
1.060% APR
Rate1.050%
Points0
Savers Certificate - 6 Month
savings
1.350% APR
Rate1.340%
Points0
Goal Savings ($1,000+)
cd_12mo
1.460% APR
Rate1.450%
Points0
Savers Certificate - 12 Month
cd_18mo
2.640% APR
Rate2.600%
Points0
Savers Certificate - 18 Month
cd_24mo
2.640% APR
Rate2.600%
Points0
Savers Certificate - 24 Month
cd_30mo
2.640% APR
Rate2.600%
Points0
Savers Certificate - 30 Month
cd_36mo
2.640% APR
Rate2.600%
Points0
Savers Certificate - 36 Month
cd_48mo
2.640% APR
Rate2.600%
Points0
Savers Certificate - 48 Month
cd_60mo
2.640% APR
Rate2.600%
Points0
Savers Certificate - 60 Month
savings
3.000% APR
Rate2.950%
Points0
High Yield Savings ($25,000 - $99,999.99)
ira_cd_18mo
3.000% APR
Rate3.000%
Points0
Regular & IRA Certificate - 18 Month
ira_cd_24mo
3.000% APR
Rate3.000%
Points0
Regular & IRA Certificate - 24 Month
ira_cd_3mo
3.000% APR
Rate3.000%
Points0
Regular & IRA Certificate - 3 Month
ira_cd_36mo
3.000% APR
Rate3.000%
Points0
Regular & IRA Certificate - 36 Month
ira_cd_48mo
3.000% APR
Rate3.000%
Points0
Regular & IRA Certificate - 48 Month
ira_cd_60mo
3.000% APR
Rate3.000%
Points0
Regular & IRA Certificate - 60 Month
savings
3.100% APR
Rate3.050%
Points0
High Yield Savings ($100,000 - $499,999.99)
savings
3.200% APR
Rate3.150%
Points0
High Yield Savings ($500,000+)
savings
3.200% APR
Rate3.150%
Points0
High Yield Savings ($500,000 +)
ira_cd_30mo
3.500% APR
Rate3.500%
Points0
Regular & IRA Certificate - 30 Month
ira_cd_6mo
3.500% APR
Rate3.500%
Points0
Regular & IRA Certificate - 6 Month
ira_cd_12mo
3.600% APR
Rate3.600%
Points0
Regular & IRA Certificate - 12 Month
cd_13mo
3.750% APR
Rate3.680%
Points0
13-Month New Money Certificate Special
cd_13mo
3.750% APR
Rate3.680%
Points0
[PROMOTIONAL] 13-Month New Money Certificate Special
savings
5.000% APR
Rate5.000%
Points0
Goal Savings ($0 - $999.99)
share_savings
5.000% APR
Rate5.000%
Points0
Share Savings
savings
5.000% APR
Rate5.000%
Points0
Goal Savings
ploc_variable
10.500% APR
Rate10.500%
Points0
Ready Cash Line of Credit

Auto Loan Rates

Rates as of July 11, 2026

credit_card_balance_transfer
2.990% APR
Rate2.990%
[PROMOTIONAL] Visa Gold Balance Transfer
auto_any_36mo
4.590% APR
Rate4.590%
[PROMOTIONAL] Auto Loan - 2022 and newer - Up to 36 months
auto_any_48mo
4.790% APR
Rate4.790%
[PROMOTIONAL] Auto Loan - 2022 and newer - Up to 48 months
auto_any_60mo
5.040% APR
Rate5.040%
[PROMOTIONAL] Auto Loan - 2022 and newer - Up to 60 months
auto_any_36mo
5.140% APR
Rate5.140%
[PROMOTIONAL] Auto Loan - 2021 and older - Up to 36 months
auto_any_72mo
5.240% APR
Rate5.240%
[PROMOTIONAL] Auto Loan - 2022 and newer - Up to 72 months
auto_any_48mo
5.290% APR
Rate5.290%
[PROMOTIONAL] Auto Loan - 2021 and older - Up to 48 months
auto_any_60mo
5.490% APR
Rate5.490%
[PROMOTIONAL] Auto Loan - 2021 and older - Up to 60 months
auto_any_72mo
5.590% APR
Rate5.590%
[PROMOTIONAL] Auto Loan - 2021 and older - Up to 72 months
auto_any_84mo
5.790% APR
Rate5.790%
[PROMOTIONAL] Auto Loan - 2022 and newer - Up to 84 months
credit_card
12.500% APR
Rate12.500%
Visa Gold
credit_card
12.500% APR
Rate12.500%
Visa Gold Cash Advance
credit_card
18.000% APR
Rate18.000%
Penalty APR

HELOC Rates

Rates as of July 11, 2026

heloc_variable
3.490% APR
Rate3.490%
[PROMOTIONAL] Flexible Home Equity Line of Credit (80% LTV)
heloc_variable
3.490% APR
Rate3.490%
[PROMOTIONAL] Flexible Home Equity Line of Credit
heloc_variable
3.990% APR
Rate3.990%
[PROMOTIONAL] Flexible Home Equity Line of Credit (Above 80% LTV)
heloc_variable
6.750% APR
Rate6.750%
Flexible Home Equity Line of Credit

Personal Loan Rates

Rates as of July 11, 2026

personal
10.740% APR
Rate10.740%
No Equity Home Improvement Loan
personal_unsecured
10.740% APR
Rate10.740%
Home Improvement Personal Loan
personal_unsecured
10.990% APR
Rate10.990%
Signature

Frequently Asked Questions

What rates does Ideal offer?

Ideal currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 11, 2026 directly from the credit union's official website.

How often are Ideal rates updated?

RateAPI verifies Ideal's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 11, 2026.

Where does RateAPI get Ideal's rate data?

Rate data is collected directly from Ideal's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Ideal's mortgage rate?

As of July 11, 2026, Ideal offers a cd_6mo mortgage at 1.06% APR.

What is Ideal's auto loan rate?

As of July 11, 2026, Ideal offers auto loans from 2.99% APR.

Related Rate Data

Compare Ideal's rates against national credit-union benchmarks.

More Minnesota credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Ideal
curl "https://api.rateapi.dev/credit-unions/minnesota/ideal" \
  -H "Authorization: Bearer YOUR_API_KEY"
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