Credit union · NCUA insured
Ideal Credit Union
Top CarrotA $1.1B credit union headquartered in Woodbury, MN, with 48,369 members and 6 branches in Minnesota. Best rates: CDs 4.30% and savings 1.35% APY.
Ideal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 78% of U.S. banks and credit unions
#18 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Ideal Credit Union
- Headquarters
- 8499 Tamarack Rd, Woodbury, MN 55125-9201
- NCUA charter
- 62978
Branches
6 branches in Minnesota
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Minnesota
6 branches
- WoodburyMain office8499 Tamarack Rd, Woodbury, MN 55125Directions
- Eagan3225 Denmark Ave, Eagan, MN 55121Directions
- Hugo14750 Victor Hugo Blvd N, Hugo, MN 55038Directions
- Inver Grove Heights7791 Amana Trl, Inver Grove Heights, MN 55077Directions
- North2401 McKnight Rd N, North St. Paul, MN 55109Directions
- Stillwater2020 Washington Ave S, Stillwater, MN 55082Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.82% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.79% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.56% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $99 | $88 | — |
- CapitalNet worth ratio10.82%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.79%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.56%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$99Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Ideal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.