Cities Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
0.45%	1-year CD	1.30% - National Average
0.05%	Savings	2.10% - American Express National Bank High Yield Savings Account
1.00%	3-year CD	1.82% - National Average

View all Cities Credit Union rates »

Overview / Commentary

www.citiescu.org

651-426-3773

3625 Talmage Cir
Vadnais Heights, MN 55110

Cities Credit Union is headquartered in Vadnais Heights and is the 68^th largest credit union in the state of Minnesota. It is also the 2,894^th largest credit union in the nation. It was established in 1936 and as of September of 2018, it had grown to 6 employees and 2,900 members at 1 location. Cities Credit Union has a C+ health rating.

Field of Membership Restrictions

Cities CU is open to the residents, people that maintain employment, church members, and registered students in the following communities of Minnesota; Vadnais Heights,White Bear Lake, White Bear Township, and Gem Lake, as well as the members of the CU-affiliated SEG's, and the family members or household occupants of current CU members.
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Health

C+

Data as of Q3 2018

Learn why bank health matters

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	6
Primary Regulator

Profit Margin
Return on Assets - YTD	0.42%
Return on Equity - YTD	4.86%
Annual Interest Income	$826.00K

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$29.9MM$29.8MM
Loans	Q3 2018vs Q3 2017	$16.8MM$15.8MM
Deposits	Q3 2018vs Q3 2017	$27.1MM$27.1MM
Equity Capital	Q3 2018vs Q3 2017	$2.6MM$2.5MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$87.00K$75.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$192.00K$196.00K
Real Estate Owned	Q3 2018vs Q3 2017	$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
0.10%	$10	-	WinCentive Savings
0.10%	$10	-	Holday Savings
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
0.05%	-	-	Save For Something

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
1.50%^*	$50k^*	-	36 Month CD w/qualifying relationship
OTHER TIERS: 1.25% → $500 - $10k \| 1.40% → $10k - $50k
1.25%^*	$50k^*	-	24 Month CD w/qualifying relationship
OTHER TIERS: 1.00% → $500 - $10k \| 1.15% → $10k - $50k
1.00%^*	$50k^*	-	36 Month CD
OTHER TIERS: 0.75% → $500 - $10k \| 0.90% → $10k - $50k
0.95%^*	$50k^*	-	12 Month CD w/qualifying relationship
OTHER TIERS: 0.80% → $500 - $10k \| 0.90% → $10k - $50k
0.85%^*	$50k^*	-	6 Month CD
OTHER TIERS: 0.75% → $500 - $10k \| 0.80% → $10k - $50k
0.75%^*	$50k^*	-	24 Month CD
OTHER TIERS: 0.50% → $500 - $10k \| 0.65% → $10k - $50k
0.55%^*	$50k^*	-	18 Month CD w/qualifying relationship
OTHER TIERS: 0.40% → $500 - $10k \| 0.50% → $10k - $50k
0.45%^*	$50k^*	-	12 Month CD
OTHER TIERS: 0.30% → $500 - $10k \| 0.40% → $10k - $50k
0.35%^*	$50k^*	-	6 Month CD w/qualifying relationship
OTHER TIERS: 0.25% → $500 - $10k \| 0.30% → $10k - $50k
0.30%^*	$50k^*	-	18 Month CD
OTHER TIERS: 0.15% → $500 - $10k \| 0.25% → $10k - $50k

Cities Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	$50k^*	-	36 Month IRA w/qualifying relationship
OTHER TIERS: 1.25% → $500 - $10k \| 1.40% → $10k - $50k
1.25%^*	$50k^*	-	24 Month IRA w/qualifying relationship
OTHER TIERS: 1.00% → $500 - $10k \| 1.15% → $10k - $50k
1.00%^*	$50k^*	-	36 Month IRA
OTHER TIERS: 0.75% → $500 - $10k \| 0.90% → $10k - $50k
0.95%^*	$50k^*	-	12 Month IRA w/qualifying relationship
OTHER TIERS: 0.80% → $500 - $10k \| 0.90% → $10k - $50k
0.85%^*	$50k^*	-	6 Month IRA
OTHER TIERS: 0.75% → $500 - $10k \| 0.80% → $10k - $50k
0.75%^*	$50k^*	-	24 Month IRA
OTHER TIERS: 0.50% → $500 - $10k \| 0.65% → $10k - $50k
0.45%^*	$50k^*	-	12 Month IRA
OTHER TIERS: 0.30% → $500 - $10k \| 0.40% → $10k - $50k
0.35%^*	$50k^*	-	6 Month IRA w/qualifying relationship
OTHER TIERS: 0.25% → $500 - $10k \| 0.30% → $10k - $50k

Locations

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

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