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VIP logo
3.1 million paid since 2013

Member VIP+ Program

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Ideal Exclusive

VIP+ Program

$3.1 million dollars paid to our members since 2013

Since 2013, Ideal Credit Union has paid out over $3.1 million in earnings to VIP+ members to thank them for their business and loyalty. VIP+ members are eligible to receive two cashback dividends per year. These are calculated on the previous year’s account activity and are paid automatically to your Share Savings in January of each year.

Earn Special Dividends

VIP+ Loan Rebate*

VIP+ Loan Rebate*
Loan Interest PaidLoan Rebate Dividend
$500 - $2,499.99$50
$2,500 - $4,999.99$150
$5,000 - $9,999.99$250
$10,000+$450
How to qualify for a VIP+ Loan Rebate*
  1. Have an active Share Savings account with $1 or more as of December 31 the year prior to payout.
  2. Have an open Ideal Checking Account.
  3. Minimum 144 qualified withdrawal transactions per year:
    debit card, credit card, checks, ATM withdrawals, ACH transactions etc.
  4. Minimum two Ideal CU loans with a balance throughout year:
    • Mortgage
    • Auto/Rec Vehicle
    • Home Equity
    • Visa Credit Card
  5. Minimum $500 paid in total loan interest for the year prior to payout.
  6. Have no charged off or delinquent loans as of December 31 the year prior to payout.

VIP+ Deposit Dividend*

VIP+ Deposit Dividend*
Combined Avg. Deposit BalancesDeposit Bonus Dividend
$5,000 - $24,999.99$50
$25,000 - 99,999.99$100
$100,000 - $199,999.99$150
$200,000+$250
How to qualify for a VIP+ Deposit Dividend*
  1. Have an active Share Savings account with $1 or more as of December 31 the year prior to payout.
  2. Have an open Ideal Checking Account.
  3. Minimum 144 qualified withdrawal transactions per year:
    debit card, credit card, checks, ATM withdrawals, ACH transactions etc.
  4. Have a minimum of one (1) of the Ideal CU deposit accounts below
    • Premium Money Market
    • IRA Money Market
    • HSA account
  5. Maintain a minimum average daily combined balance in all shares/CDs of $5,000 or greater for the year prior to payout.
  6. Have no charged off or delinquent loans as of December 31 the year prior to payout.

*VIP+ Deposit Bonus and Loan Rebate cash back totals are anticipated above and will be based on transaction data throughout year prior to payout in January of each year. Qualified VIP+ members must have an S1-Regular Share Savings with a balance of $1.00 or greater. Program excludes business services accounts, charged off loan members and delinquent loan members as of December 31 the year prior to payout.

**$20 annual fee for Overdraft Line of Credit waived for VIP+ members. VIP+ status is determined by transactional data through December 31st of the previous year and is valid through December 31st of current year. $20 annual fee will be charged for any year VIP+ status is not earned for any existing Overdraft Line of Credit. Overdraft Line of Credit rates available from 14% - 17.99% Annual Percentage Rate (APR). Actual rate based on applicant’s payment and credit history. Rates effective January 1, 2017 and are subject to change. Monthly payments are as follow: balances $500 or under: $20; balances $600 or under: $24; balances of $600.01 and over: payment is 4% of total balance.

VIP+ Benefits

  • Unlimited Ideal CU ATM transactions
  • 10 free non-Ideal ATM transactions per month
  • Free Ideal CU designed checks
    1 box per order - 2 box limit per calendar year
  • Free Automatic Overdraft Transfers from savings to checking
  • No annual fee for Overdraft Line of Credit**
  • Free check copies of check images
  • Free money orders and/or cashiers checks
  • Free Call Center transactions
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2018 Holiday Hours


New Year's Day
Monday, January 1st
All locations closed.


Martin Luther King Jr Day
Monday, January 15th
All locations closed.


Presidents' Day
Monday, February 19th
All locations closed.


Good Friday
Friday, March 30th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Memorial Day
Monday, May 28th
All locations closed.


Independence Day
Wednesday, July 4th
All locations closed.


Labor Day
Monday, September 3rd
All locations closed.


Columbus Day
Monday, October 8th
All locations closed.


Veterans Day
Monday, November 12th
All locations closed


Thanksgiving Day
Thursday, November 22nd
All locations closed.


Day after Thanksgiving
All locations are open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Eve
Monday, December 24th
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


Christmas Day
Tuesday, December 25th
All locations closed.


New Year's Eve
Monday, December 31
All locations open regular business hours
Lobby - 9:00 a.m. to 5:00 p.m.
Drive-thru - 9:00 a.m. to 5:30 p.m.


New Years Day
Tuesday, January 1st
All locations closed