Business Details
Your Trusted Partner for Financial Solutions in Minnesota
At City & County Credit Union, we redefine banking by prioritizing people over profits. As a member-owned institution, we empower individuals and businesses with personalized financial solutions tailored to their unique needs. Our expertise spans personal and business banking, lending, and investment services, supported by a commitment to community impact and financial wellness education. With physical branches across the Twin Cities and digital banking accessibility, we combine the convenience of modern technology with the trust of local relationships.Our team focuses on delivering transparent pricing, competitive rates, and member-centric tools that foster long-term financial success. Backed by NCUA insurance and a legacy of service, we ensure every decision aligns with our members' best interests while maintaining rigorous compliance with industry standards.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgages
Credit Cards
Personal Loans
Business Banking
Home Equity Loans
Financial Wellness Programs
Digital Banking
Highlights and features
- We operate as a member-owned cooperative with no shareholder interests
- Our financial products include fee-free checking and competitive loan rates
- We provide free financial wellness resources and educational workshops
- We maintain physical branches in 8 Twin Cities locations plus digital access
- Our local decision-making ensures personalized service and community reinvestment
Associations and certifications
- NCUA
Services
Personal Loans
Our personal loans provide flexible financing for life's unexpected expenses. With competitive interest rates and terms up to 60 months, these unsecured loans help consolidate debt, fund home improvements, or cover major purchases. Members benefit from streamlined approval processes and personalized repayment plans tailored to individual financial situations.
Mortgages
We offer comprehensive mortgage solutions for first-time buyers and experienced homeowners. Our 30-year fixed-rate mortgages feature transparent pricing with no hidden fees. Additional options include adjustable-rate mortgages, jumbo loans, and specialized programs for veterans. Local loan officers guide clients through every step of the home buying process.
Financial Wellness
Our financial wellness programs deliver practical education through workshops, online resources, and one-on-one coaching. Services cover budgeting strategies, credit score improvement, debt management, and retirement planning. These member-exclusive resources help build sustainable financial habits and long-term economic stability.
Digital Banking
Our digital banking platform provides 24/7 access to account management tools. Features include mobile check deposit, instant fund transfers, bill payment, and real-time transaction monitoring. The mobile app offers biometric login security and customizable financial alerts to help members stay in control of their finances from anywhere.
Business Banking
We deliver tailored financial solutions for small and mid-sized businesses. Services include business checking accounts, commercial loans, merchant processing, and cash management tools. Our relationship-based approach ensures personalized support with local decision-making authority, helping businesses grow and thrive in the Twin Cities market.
Questions
What membership benefits does CCCU offer?
Members receive fee-free checking, competitive loan rates, financial education resources, and access to exclusive promotions. As owner-members, you also share in our profits through improved rates and services.
How do I apply for a loan with CCCU?
Apply online for auto loans, mortgages, or personal loans through our website. Local underwriting ensures quick decisions with personalized support from our lending specialists.
What digital banking features are available?
Our mobile app provides account management, mobile check deposit, person-to-person payments, bill pay, and real-time transaction alerts. Online banking offers full access to all account services.
Are there any branch locations near me?
We operate 8 physical branches in Brooklyn Park, Eagan, Lake Elmo, Maplewood, Minnetonka, Saint Paul, Shoreview, and Woodbury with extended weekday hours for convenience.
What financial education resources do you provide?
We offer free financial wellness workshops, online calculators, budgeting tools, and personalized financial coaching to help members achieve their short- and long-term goals.
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Reviews (7)
Eric Larson
Aug 22, 2021
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We moved to area from out of state and wanted to join a credit union. Every one was very helpful and the process and the whole process was smooth and quick. All options were explained in detail.
Valero
Jul 23, 2021
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C&C CU has no sense of urgency, does not properly investigate fraudulent activity, tells you one thing and then does (or doesnt) do something else. They will give you lip service to make you go away. but when it comes down to your money, they could care less. Even if your out over 4k. Horrible just horrible business ethics, values and horrendous sense of community and the senior citizens that have banked with them for over 50 years.
Jeff Schwartz
Jul 21, 2021
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City and county has been very good to us. Being a member here has given us many opportunities. Everyone there is professional and kind.
Nicholas Schewe
Jun 12, 2021
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I have never ever felt so cheated. This was one of the worst "credit unions" I have ever banked with. My card was stolen three times and when I told them they told me it would cost me to replace my card because it's my responsibility to keep track of my card. But at the same time if it was stolen shouldn't yall like do something about it. Not only that I am paying for a car through this credit union that stopped working about a year ago and in still expected to pay full price for a car I cant even start. Then when I go pay for the car they take an extra 10 dollars. Why???? This is why I stopped
Kat Mac
Apr 24, 2021
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When I opened up my tax refund at home, I tore it in half and ripped it in 2 other places, I rushed to the maple wood location 10 min before close and Gisela spent 15 min trying to tape it together perfectly, and had such a positive attitude that whole time. The check cleared and I couldnt be happier with my experience there thanks to Gisela!! Amazing customer service
Leelee Johnson
Mar 05, 2021
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I have been at this "City and County Credit Union", for a few years, mind you my account always has money direct deposited, into the account and never had an overdraft. I also get paid pretty well. I also have a decent credit score, I applied for a credit card TWO TIMES, and they denied me. I got approved by another, credit union right away. I DO NOT FEEL THAT, THIS CREDIT UNION, IS HELPFUL AT ALL. I work at a credit union myself and it amazing how much we here ACTUALLY, help our members. I DO NOT RECOMMEND THIS BRANCH NOR THIS CREDIT UNION. I HAVE CHANGED MY DIRECT DEPOSIT AND WILL BE CLOSING
Gregory Lewis
Feb 09, 2021
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In 2019 someone who shared my wife's name and has an account at CCCU entered the Shoreview, MN branch to get a debit card. This debit card was assigned against our checking account. There were no checks done to ensure the correct account was assigned, the person was given full access to our accounts and funds. In June of 2020 an auto bill for another member was assigned to my savings account. The person is not on the account, does not share my address, and they have no affiliation with my account in anyway. Unfortunately this account was not one which I monitor as no money is withdrawn and only
