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Overview / Commentary
800-543-0935
3625 Talmage Cir
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 2,997th largest credit union in the nation. It was established in 1936 and as of September of 2016, it had grown to 8 employees and 2,885 members at 1 location. Cities Credit Union has a B 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
B
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
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD1.27%
Annual Interest Income$749.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$28.5MM$27.1MM
LoansQ3 2016vs Q3 2015$16.3MM$16.2MM
DepositsQ3 2016vs Q3 2015$26.0MM$24.5MM
Equity CapitalQ3 2016vs Q3 2015$2.4MM$2.3MM
Loan Loss AllowanceQ3 2016vs Q3 2015$129.00K$175.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$151.00K$114.00K
Real Estate OwnedQ3 2016vs Q3 2015$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
0.10%--WinCentive Savings
0.10%--Holday Savings
0.05%*$2,500*-Share Savings Account
OTHER TIERS: 0.01% $200 - $2,500
0.05%*$2,500*-Secondary Savings Account
OTHER TIERS: 0.01% $200 - $2,500
0.05%--Save For Something

Cities Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$50k*-Money Market Account
OTHER TIERS: 0.01% $10 - $2,500 | 0.10% $2,500 - $25k | 0.15% $25k - $50k

Cities Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$50k*-36 Month CD w/qualifying relationship
OTHER TIERS: 0.85% $500 - $10k | 1.00% $10k - $50k
0.85%*$50k*-36 Month CD
OTHER TIERS: 0.60% $500 - $10k | 0.75% $10k - $50k
0.85%*$50k*-24 Month CD w/qualifying relationship
OTHER TIERS: 0.60% $500 - $10k | 0.75% $10k - $50k
0.60%*$50k*-24 Month CD
OTHER TIERS: 0.35% $500 - $10k | 0.50% $10k - $50k
0.55%*$50k*-12 Month CD w/qualifying relationship
OTHER TIERS: 0.40% $500 - $10k | 0.50% $10k - $50k
0.55%*$50k*-18 Month CD w/qualifying relationship
OTHER TIERS: 0.40% $500 - $10k | 0.50% $10k - $50k
0.30%*$50k*-12 Month CD
OTHER TIERS: 0.15% $500 - $10k | 0.25% $10k - $50k
0.30%*$50k*-18 Month CD
OTHER TIERS: 0.15% $500 - $10k | 0.25% $10k - $50k
0.20%*$50k*-6 Month CD
OTHER TIERS: 0.10% $500 - $10k | 0.15% $10k - $50k
0.15%*$50k*-3 Month CD
OTHER TIERS: 0.05% $500 - $10k | 0.10% $10k - $50k

Cities Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$50k*-36 Month IRA w/qualifying relationship
OTHER TIERS: 0.85% $500 - $10k | 1.00% $10k - $50k
0.85%*$50k*-36 Month IRA
OTHER TIERS: 0.60% $500 - $10k | 0.75% $10k - $50k
0.85%*$50k*-24 Month IRA w/qualifying relationship
OTHER TIERS: 0.60% $500 - $10k | 0.75% $10k - $50k
0.60%*$50k*-24 Month IRA
OTHER TIERS: 0.35% $500 - $10k | 0.50% $10k - $50k
0.55%*$50k*-12 Month IRA w/qualifying relationship
OTHER TIERS: 0.40% $500 - $10k | 0.50% $10k - $50k
0.30%*$50k*-12 Month IRA
OTHER TIERS: 0.15% $500 - $10k | 0.25% $10k - $50k
0.20%*$50k*-6 Month IRA
OTHER TIERS: 0.10% $500 - $10k | 0.15% $10k - $50k
Locations


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