Cities Credit Union

Overview / Commentary

www.citiescu.org

651-426-3773

3625 Talmage Cir Suite 102
Vadnais Heights, MN 55110

Cities Credit Union is headquartered in Vadnais Heights and is the 66^th largest credit union in the state of Minnesota. It is also the 2,839^th largest credit union in the nation. It was established in 1936 and as of December of 2021, it had grown to 5 employees and 2,638 members at 1 location. Cities Credit Union has a B health rating.

Field of Membership Restrictions

Membership in Cities Credit Union is open to those who live, work, worship, volunteer or attend school in the Minnesota communities of Gem Lake, Vadnais Heights, White Bear Lake, or White Bear Township, as well as the members of eight SEGs (including CWA Local 7201). Family members, domestic partners, and roommates of current Cities Credit Union members also qualify.
See current membership details

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Health

Data as of Q4 2021

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Cities Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	63109
Year Chartered	1936
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	0.07%
Return on Equity - YTD	0.94%
Annual Interest Income	$998.00K

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$36.5MM$34.5MM
Loans	Q4 2021vs Q4 2020	$18.6MM$17.4MM
Deposits	Q4 2021vs Q4 2020	$33.7MM$31.7MM
Equity Capital	Q4 2021vs Q4 2020	$2.7MM$2.6MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$139.00K$190.00K
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$181.00K$261.00K
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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Savings
Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cities Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	-	WinCentive Savings
0.05%^*	$2.5k^*	-	Share Savings Account
OTHER TIERS: 0.01% → $200 - $2.5k \| 0.03% → $25k - $50k
0.05%^*	$2.5k^*	-	Secondary Savings Account
OTHER TIERS: 0.01% → $200 - $2.5k \| 0.03% → $25k - $50k
0.05%	-	-	Save For Something
0.05%	-	-	Holday Savings

Cities Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.01% → $10 - $2.5k \| 0.10% → $2.5k - $25k \| 0.15% → $25k - $50k

Cities Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$50k^*	-	36 Month CD w/qualifying relationship
OTHER TIERS: 0.45% → $500 - $10k \| 0.60% → $10k - $50k
0.70%^*	$50k^*	-	24 Month CD w/qualifying relationship
OTHER TIERS: 0.40% → $500 - $10k \| 0.55% → $10k - $50k
0.60%^*	$50k^*	-	12 Month CD w/qualifying relationship
OTHER TIERS: 0.40% → $500 - $50k
0.60%^*	$50k^*	-	18 Month CD w/qualifying relationship
OTHER TIERS: 0.40% → $500 - $10k \| 0.50% → $10k - $50k
0.50%^*	$50k^*	-	36 Month CD
OTHER TIERS: 0.20% → $500 - $10k \| 0.35% → $10k - $50k
0.50%^*	$50k^*	-	6 Month CD w/qualifying relationship
OTHER TIERS: 0.40% → $500 - $10k \| 0.45% → $10k - $50k
0.45%^*	$50k^*	-	24 Month CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.30% → $10k - $50k
0.35%^*	$50k^*	-	12 Month CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.25% → $10k - $50k
0.35%^*	$50k^*	-	18 Month CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.25% → $10k - $50k
0.25%^*	$50k^*	-	6 Month CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $50k

Cities Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$50k^*	-	36 Month IRA w/qualifying relationship
OTHER TIERS: 0.45% → $500 - $10k \| 0.60% → $10k - $50k
0.70%^*	$50k^*	-	24 Month IRA w/qualifying relationship
OTHER TIERS: 0.40% → $500 - $10k \| 0.55% → $10k - $50k
0.60%^*	$50k^*	-	12 Month IRA w/qualifying relationship
OTHER TIERS: 0.40% → $500 - $50k
0.50%^*	$50k^*	-	36 Month IRA
OTHER TIERS: 0.20% → $500 - $10k \| 0.35% → $10k - $50k
0.50%^*	$50k^*	-	6 Month IRA w/qualifying relationship
OTHER TIERS: 0.40% → $500 - $10k \| 0.45% → $10k - $50k
0.45%^*	$50k^*	-	24 Month IRA
OTHER TIERS: 0.15% → $500 - $10k \| 0.30% → $10k - $50k
0.35%^*	$50k^*	-	12 Month IRA
OTHER TIERS: 0.15% → $500 - $10k \| 0.25% → $10k - $50k
0.25%^*	$50k^*	-	6 Month IRA
OTHER TIERS: 0.15% → $500 - $10k \| 0.20% → $10k - $50k

Locations

Cities Credit Union Locations
Branch Office	3625 Talmage Cir	Vadnais Heights, MN 55110

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