Ideal Credit Union Inver Grove Heights MN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Ideal Credit Union, where your financial well-being is our top priority! Located at 7791 Amana Trl, Inver Grove Heights, MN 55077, we have proudly served our community since 1926. With a strong commitment to our members, we are dedicated to providing personalized banking solutions that meet your unique needs. At Ideal Credit Union, you're not just a number; you're part of a family. With nearly 50,000 members and total assets exceeding $1 billion ($1033458972), we strive to create meaningful relationships that foster financial growth and security. Our financial stability is reflected in our net worth of over $111 million ($111164124) and cash reserves of more than $5 million ($5010348). As part of our mission, we offer a wide range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. Whether you're looking to finance your dream car or consolidate debt, we've got you covered with over 28,900 loans currently available for our members. Our leadership team is here to guide you every step of the way. Led by CEO Brian Sherrick and Board President Peter Olsen, our dedicated staff of 166 employees is ready to help you navigate your financial journey with ease. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: 7791 Amana Trl, Inver Grove Heights, MN 55077-2610. Ready to experience the Ideal difference? Give us a call at 651-770-7000 or explore more about what we offer by visiting our website at Ideal Credit Union. Let's build a brighter financial future together!

Branch History & Mission

Join Us

As we look toward the future, we invite you to join us on this journey. Experience firsthand the benefits of being part of Ideal Credit Union a place where your financial goals matter and your voice is heard. Together, let's continue building a vibrant community rooted in trust and support. Visit us today or check out more about membership options at Ideal Credit Union. We can't wait to welcome you!

Our Journey

From our humble beginnings, we have continuously adapted to meet the needs of our members. Over the decades, we've embraced innovation while staying true to our core values of trust and community support. As a member-focused credit union, our mission is clear: to empower individuals through exceptional financial services while fostering community growth. We believe that everyone deserves access to financial tools that can help them achieve their dreams. Our headquarters may be based in Woodbury, MN, but our heart lies right here in Inver Grove Heights. We understand that strong community ties are essential for success. That's why we actively engage in outreach efforts and partnerships with local organizations, helping to build a brighter future for all residents.

Our Mission

At Ideal Credit Union, our mission is simple yet profound: to provide personalized financial solutions while supporting the communities we serve. We offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options tailored to meet diverse needs. Through these offerings, we aim not only to improve individual financial health but also contribute positively to the economic well-being of Inver Grove Heights. We are committed to making banking easy and accessible for everyone. With features like online and mobile banking, ATM availability, and customer-friendly operating hours including Saturday service we ensure that members can manage their finances on their own terms. While members can visit us at 7791 Amana Trl Inver Grove Heights Mn 55077, official correspondence should be sent to 7791 Amana Trl, Inver Grove Heights, MN 55077-2610. If you have any questions or need assistance, don't hesitate to reach out at (651) 770-7000.

Branch Location & Accessibility

Welcome to Ideal Credit Union, your trusted financial partner located at 7791 Amana Trl in beautiful Inver Grove Heights, MN. Our branch is conveniently situated near popular local spots, making it easy for you to stop by during your day-to-day activities. Whether you're heading home from a shopping trip or visiting nearby parks, we're just around the corner! At Ideal Credit Union, we prioritize accessibility and comfort for all our members. Our branch features convenient parking options and is designed with ADA compliance in mind. You'll find ramps and accessible entryways to ensure that everyone can visit us with ease. While you can come see us at our Inver Grove Heights location, please note that any official correspondence should be sent to our mailing address: 7791 Amana Trl, Inver Grove Heights, MN 55077-2610. We understand that life can get busy, so we offer flexible operating hours to suit your schedule. Our lobby is open Monday through Tuesday and Thursday through Friday from 9 AM to 5 PM, and on Saturdays from 9 AM to 12 PM. If you need access after hours, our drive-thru service operates until 5:30 PM on weekdays. Need cash on the go? We have an ATM available for your convenience right at our branch! While we don't currently offer drive-thru banking services, our friendly staff is always ready to assist you inside. Ideal Credit Union offers a wide range of services tailored to meet your financial needs from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Our goal is to provide support every step of the way. If you have any questions or would like more information about our services, don't hesitate to call us at 651-770-7000. We invite you to visit us soon; we're excited to help you achieve your financial goals!

Member Eligibility

At Ideal, we believe that everyone deserves to be part of a supportive and thriving community. Becoming a member is simple and welcoming! If you're a resident, work, or attend school in the areas we serve, you're already on your way to joining us. We also welcome family members of existing members, making it easy for you to share the benefits of our credit union with loved ones. For complete details on eligibility criteria, feel free to check out this resource. Once you know you're eligible, opening an account is a breeze! You can start the process online by visiting this link or give us a call at (651) 770-7000 if you have any questions. Our dedicated team is here to help you every step of the way. Join us at Ideal located at 7791 Amana Trl Inver Grove Heights Mn 55077, and experience the benefits of being part of our financial family!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $134 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $23,040,726, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to our loan offerings, we provide comprehensive merchant services tailored for your needs. Imagine being able to accept payments seamlessly, manage transactions efficiently, and gain insights into your sales trends all from one platform. Our tools help you focus on what truly matters: growing your business. Visit us at 7791 Amana Trl Inver Grove Heights Mn 55077 or give us a call at (651) 770-7000 to discover how our Business Banking & Commercial Services can support your entrepreneurial journey!

Comprehensive List Of Services

Business Solutions

For those running their own businesses, we offer specialized services that include business banking, merchant services, and business loans. We aim to empower entrepreneurs by providing the financial tools needed to grow their ventures successfully.

Convenient Banking Features

In today's fast-paced world, having access to your accounts anytime is crucial. That's why Ideal provides robust online and mobile banking solutions. You can check balances, transfer funds, or pay bills all from the convenience of your smartphone or computer. Plus, with our ATM services available for cash withdrawals and balance checks, managing your money has never been easier.

Join Us Today!

We invite you to explore all these offerings and more by visiting us at 7791 Amana Trl Inver Grove Heights Mn 55077 or giving us a call at (651) 770-7000. At Ideal, we're not just about transactions; we're about building relationships and supporting our members every step of the way. Start experiencing the difference today!

Loans and Credit Options

Life can throw unexpected expenses your way, and that's where our personal loans and debt consolidation services come into play. We provide flexible loan options designed to fit your unique circumstances, allowing you to focus on what matters most. Additionally, our credit cards with rewards give you a chance to earn while you spend, offering benefits that make everyday purchases more rewarding.

Personal Banking

We understand that managing finances can be overwhelming. That's why we offer personal banking options like checking and savings accounts that make it easier for you to save and manage your money. If you're thinking about buying a new car, our auto loans and vehicle financing options can help you hit the road without breaking the bank. And if homeownership is on your mind, our mortgage loans and refinancing services will guide you through every step of the process.

Digital & Online Banking

Accessibility and Security

We prioritize your security while ensuring ease-of-use in all our services. With features like mobile banking and e-statements, accessing your financial information is not only easy but also secure. You can feel confident knowing that your data is protected while you manage your accounts in real-time. Join us at Ideal to experience how our digital banking solutions can simplify your financial life. Visit us online today at https://www.idealcu.com/ , or call us at (651) 770-7000 for more information about how we can help you achieve your financial goals!

Key Services Available

With just a few clicks, you can explore our online banking services at https://www.idealcu.com/ . Our user-friendly interface allows you to view your account balances, transfer funds, and pay bills without the hassle of visiting a branch. Plus, for those who prefer paperless options, we offer e-statements to keep your financial documents organized and accessible. You'll also appreciate the added convenience of mobile payments through our mobile application. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. And if you're looking for an extra layer of security, we support electronic signature authorization for a smoother transaction process.

Financial Strength

Commitment to Growth

With $105,969,489 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Additionally, our lending capacity supports your financial goals with $7,086 in used auto loans and $840,785,075 across various loan categories.

Dedicated Team

We take pride in having 161 full-time employees and 5 part-time employees who are always ready to assist you with a knowledgeable and committed approach.

Growing Member Base

Our dedication to service is evident as we manage a total of 101,188 share accounts, demonstrating the trust our growing member base has placed in us. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ideal is your trusted partner. Visit us at 7791 Amana Trl Inver Grove Heights Mn 55077 or call (651) 770-7000 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Member-Centric Savings

Your savings are secure with us. We have $210,090,171 in share certificates and $114,115,225 in money market shares, which provide stable and rewarding growth opportunities. Unlike traditional banks, our focus remains on you our members. With non-member deposits at $64,609,033, we ensure that our resources are directed toward benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our financial health is further reflected in our net income of $3,528,214, showcasing our operational efficiency. This allows us to continue offering competitive loan rates and solid financial products tailored for our members' needs.

Solid Financial Foundation

With a net worth of $111,164,124, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,091 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $117,529,352 in used vehicle loans and $28,228,989 in new vehicle loans already helping members get on the road. Whether it's a brand-new model or a reliable pre-owned vehicle, we have financing solutions tailored for you.

Business Financing

For business owners, our outstanding commercial loans totaling $23,040,726 provide the capital needed to grow and expand. We believe in supporting local businesses as they contribute significantly to our community's economy.

Credit Cards and Personal Loans

We also offer flexible terms on unsecured credit card loans, with a total of $17,866,239 in loans helping members manage their finances effectively. This can be an excellent option if you're looking to consolidate debt or cover unexpected expenses without high-interest rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $90,903,152, make buying or refinancing simple. We offer various loan types to suit your financial situation and help you secure your dream home.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for our loan products, we can guide you through the process. Our goal is to ensure you find a solution that works best for your financial future. For more information about our loan offerings or assistance with your application process, feel free to reach out at 651-770-7000. You can also visit us at 7791 Amana Trl Inver Grove Heights MN 55077 or explore our website at Ideal Credit Union. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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IDEAL CREDIT UNION