Today's rates from IDEAL
| Product | Rate | APR | Points | As of | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 6.875% | 6.997% | 0 | Sep 11, 2026 | Visit | |
| 15 Year Fixed | 6.375% | 6.578% | 0 | Sep 11, 2026 | Visit | |
| 5 Year ARM | 5.75% | 6.475% | 0 | Sep 11, 2026 | Visit | |
| 7 Year ARM | 6% | 6.545% | 0 | Sep 11, 2026 | Visit | |
| 10 Year ARM | 6.375% | 6.792% | 0 | Sep 11, 2026 | Visit | |
| FHA 30 Year Fixed | 7.5% | 8.66% | 0 | Sep 11, 2026 | Visit | |
| VA 30 Year Fixed | 7.5% | 7.81% | 0 | Sep 11, 2026 | Visit | |
| 30 Year Fixed Jumbo | 7% | 7.058% | 0 | Sep 11, 2026 | Visit | |
| 15 Year Fixed Jumbo | 6.625% | 6.719% | 0 | Sep 11, 2026 | Visit |
Rate history
Lowest daily rate IDEAL advertised for each product, past 90 days.
Collecting data — the trend chart appears after a few days of tracking.
Who can join IDEAL
Membership is open to individuals who live, work, worship, or attend school in the Minnesota counties of Anoka, Chisago, Dakota, Hennepin, Ramsey, and Washington, as well as their family members.
County
Anoka County, MN, Chisago County, MN, Dakota County, MN, Hennepin County, MN, Ramsey County, MN, Washington County, MN
Where IDEAL writes mortgages
Lending states not published; shown as serving its chartered area. Confirm directly with IDEAL.
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
Not sure if IDEAL is your best fit?
Compare every credit union you can actually join
Enter your ZIP to see every credit union — including IDEAL if you qualify — ranked by today's rate.