Credit union · NCUA insured
Ideal Credit Union Credit Card Rates
Top CarrotIdeal Credit Union credit cards start at 12.50% APR on purchases, after any introductory rate. Rates checked October 17, 2026.
How Ideal Credit Union’s credit card rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Ideal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Ideal Credit Union
12.50%APR
- Up to
- 18.00% APR
Visa Gold
Lowest rate
NSP Credit Union
7.90%APR
- Up to
- —
2nd-lowest rate
Pipefitters Steamfitters Credit Union
8.75%APR
- Up to
- —
Ideal Credit Union credit card score
70
Credit card score
Higher than 26% of U.S. banks and credit unions
- Purchase APRPurchase APR12.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ideal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Blue Rewards
Variable APR based on Prime Rate and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00%–18.00% | None | Variable APR dependent on creditworthiness; afterwards APR varies with market based on Prime Rate. No annual fee. |
Sources (2)
All captured Oct 16, 2026
Visa Gold
Non-variable APR dependent on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.50%–18.00% | None | Non-variable APR ranges from 12.50% to 18.00% dependent on creditworthiness. No annual fee. |
Sources (2)
All captured Oct 16, 2026
Visa Signature
Minimum $5,000 credit line. Variable APR based on Prime Rate and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00%–18.00% | None | Variable APR dependent on creditworthiness; afterwards APR varies with market based on Prime Rate. No annual fee. |
Sources (2)
All captured Oct 16, 2026
Who can join Ideal Credit Union
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