IDEAL is an NCUA-insured credit union located in WOODBURY, MN. New auto loan rates from 5.44% APR. Google rating: 4.1 out of 5 from 263 reviews.

Ideal

8499 TAMARACK RD, Woodbury, MN 55125

NCUA Insured4.1 (263 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1926

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Woodbury, MN may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1926

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

8499 TAMARACK RD

Woodbury, MN 55125

Google Maps 🗺Waze

(651) 770-7000

Service Area

This credit union is located in Woodbury and serves members in the MN area. Currently serving 48,369 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

5.44%

Used Auto Loan

5.24%

Credit Card APR

12.50%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MN

Lowest rates currently reported by credit unions in MN (NCUA Q1 2026).

Northridge Community— New Auto Loan

Virginia, MN

3.50%

Crow Wing Power— Used Auto Loan

Brainerd, MN

4.29%

Affinity Plus— Personal Loan

Saint Paul, MN

7.49%

Greater Community— Credit Card APR

Dawson, MN

6.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(6 total)

Compare Rates in Woodbury

See how IDEAL stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Woodbury →Best Personal Loan Rates in Woodbury →Best Credit Card Rates in Woodbury →All Credit Unions in Woodbury →

Member Reviews

4.1

263 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

wexworth

5 months ago

We love the Woodbury branch of Ideal. The employees are always extremely helpful and friendly, and the cozy fireplace in the lobby makes a nice touch. We’ve opened and closed accounts, gotten loans - all the services. Highly recommend!

Big Dago

7 months ago

I stopped getting texts to my phone about account activity. Was put through to Dana through Ideal's IVR. Turns out most the phone carriers no longer have "email to text service". Dana wasn't even aware of what I was talking about (showing my age). My favorite part of how Dana handled my concern was that she recognized something she never heard of and said "I never heard of that" or "I don't about that". Music to my ears. Nothing more frustrating than "canned answers" and support folk pretending to know but really don't cause they are too arrogant to admit it. Dana helped me clean up some old account stuff too (nice touch!). Every time she said she would ask and get back to me, SHE DID. Every time! Getting the texts now I need. Props to Dana and Ideal for letting her rock the customer support roll !

Thomas Schwandt

7 months ago

I had the greatest pleasure of having Dana, from customer service at Ideal Credit Union, as their representative. She was knowledgeable, super nice and very pleasant to talk to. She followed up with me on every part of my transactions. A special thanks to Dana. I know who I will ask for from now on.

Selena Kyle

3 months ago

I have never heard of putting a limit of how much you can pay back each month towards a loan as long as you make the monthly payment. They would only allow $3000 a month in payments. Anything above that amount required permission.