Cities Credit Union


Overview / Commentary
651-426-3773
3625 Talmage Cir Suite 102
Vadnais Heights, MN 55110

Cities Credit Union is headquartered in Vadnais Heights and is the 67th largest credit union in the state of Minnesota. It is also the 2,872nd largest credit union in the nation. It was established in 1936 and as of December of 2019, it had grown to 6 employees and 2,738 members at 1 location. Cities Credit Union's savings rates are 92% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Cities Credit Union is open to those who live, work, worship, 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
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 Chartered1936
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.2%
Return on Equity - YTD2.36%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$30.2MM$29.4MM
LoansQ4 2019vs Q4 2018$17.3MM$17.0MM
DepositsQ4 2019vs Q4 2018$27.5MM$26.5MM
Equity CapitalQ4 2019vs Q4 2018$2.6MM$2.6MM
Loan Loss AllowanceQ4 2019vs Q4 2018$177.00K$116.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$234.00K$204.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--WinCentive Savings
1.00%$10-Holday Savings
0.10%--Save For Something
0.05%*$2.5k*-Share Savings Account
OTHER TIERS: 0.01% $200 - $2.5k
0.05%*$2.5k*-Secondary Savings Account
OTHER TIERS: 0.01% $200 - $2.5k

Cities Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$50k*-Money Market Account
OTHER TIERS: 0.01% $10 - $2.5k | 0.15% $2.5k - $25k | 0.20% $25k - $50k

Cities Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$25$12k13 Month Add-on CD Promo
1.65%*$50k*-36 Month CD w/qualifying relationship
OTHER TIERS: 1.35% $500 - $10k | 1.50% $10k - $50k
1.40%*$50k*-24 Month CD w/qualifying relationship
OTHER TIERS: 1.10% $500 - $10k | 1.25% $10k - $50k
1.15%*$50k*-36 Month CD
OTHER TIERS: 0.85% $500 - $10k | 1.00% $10k - $50k
1.05%*$50k*-12 Month CD w/qualifying relationship
OTHER TIERS: 0.85% $500 - $10k | 0.95% $10k - $50k
1.05%*$50k*-18 Month CD w/qualifying relationship
OTHER TIERS: 0.85% $500 - $10k | 0.95% $10k - $50k
0.90%*$50k*-24 Month CD
OTHER TIERS: 0.60% $500 - $10k | 0.75% $10k - $50k
0.85%*$50k*-6 Month CD w/qualifying relationship
OTHER TIERS: 0.75% $500 - $10k | 0.80% $10k - $50k
0.55%*$50k*-12 Month CD
OTHER TIERS: 0.35% $500 - $10k | 0.45% $10k - $50k
0.55%*$50k*-18 Month CD
OTHER TIERS: 0.35% $500 - $10k | 0.45% $10k - $50k
0.35%*$50k*-6 Month CD
OTHER TIERS: 0.25% $500 - $10k | 0.30% $10k - $50k

Cities Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.65%*$50k*-36 Month IRA w/qualifying relationship
OTHER TIERS: 1.35% $500 - $10k | 1.50% $10k - $50k
1.40%*$50k*-24 Month IRA w/qualifying relationship
OTHER TIERS: 1.10% $500 - $10k | 1.25% $10k - $50k
1.15%*$50k*-36 Month IRA
OTHER TIERS: 0.85% $500 - $10k | 1.00% $10k - $50k
1.05%*$50k*-12 Month IRA w/qualifying relationship
OTHER TIERS: 0.85% $500 - $10k | 0.95% $10k - $50k
0.90%*$50k*-24 Month IRA
OTHER TIERS: 0.60% $500 - $10k | 0.75% $10k - $50k
0.85%*$50k*-6 Month IRA w/qualifying relationship
OTHER TIERS: 0.75% $500 - $10k | 0.80% $10k - $50k
0.55%*$50k*-12 Month IRA
OTHER TIERS: 0.35% $500 - $10k | 0.45% $10k - $50k
0.35%*$50k*-6 Month IRA
OTHER TIERS: 0.25% $500 - $10k | 0.30% $10k - $50k
Locations


Cities Credit Union Locations
Branch Office3625 Talmage CirVadnais Heights, MN 55110

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