Minnco Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.minnco.com

763-689-1071

235 1st Ave W
Cambridge, MN 55008

Minnco Credit Union is headquartered in Cambridge and is the 13^th largest credit union in the state of Minnesota. It is also the 695^th largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 106 employees and 36,499 members at 8 locations. Minnco Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Minnco Credit Union is open to those who live, work, worship, attend school, or volunteer in the Minnesota counties of Chisago, Isanti, Benton, Anoka, Sherburne, and Mille Lacs, Ramsey, Wright, Hennepin, Washington, Kanabec, or Pine. Membership is also open to members of Federated Co-ops, Inc.
See current membership details

Reviews

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	63639
Year Chartered	1935
Employees	106
Primary Regulator

Profit Margin
Return on Assets - YTD	0.63%
Return on Equity - YTD	8.28%
Annual Interest Income	$6.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$571.1MM$528.8MM
Loans	Q1 2025vs Q1 2024	$342.2MM$326.7MM
Deposits	Q1 2025vs Q1 2024	$513.4MM$471.1MM
Equity Capital	Q1 2025vs Q1 2024	$41.3MM$31MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.1MM$1.2MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.2MM$1.4MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
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.

Minnco Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$25k^*	-	Health Savings
OTHER TIERS: 0.30% → $1k - $2.5k \| 0.50% → $2.5k - $5k \| 1.00% → $5k - $10k \| 1.75% → $10k - $25k
0.10%	$0	-	Savings
0.10%	$0	-	Christmas Club

Minnco Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.65%^*	$25k^*	-	Money Market
OTHER TIERS: 0.25% → $1k - $2.5k \| 0.50% → $2.5k - $5k \| 1.00% → $5k - $10k \| 1.35% → $10k - $25k

Minnco Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%^*	$0	$1k	StepUp Student Spending Account
OTHER TIERS: 0.05% → $1k+
5.00%^*	$0	$20k	High Yield Checking
OTHER TIERS: 0.10% → $20k+
5.00%^*	$0	$1k	Smart Start
OTHER TIERS: 0.05% → $1k+
1.25%^*	$100k^*	-	Business Plus Checking
OTHER TIERS: 0.05% → $2k - $25k \| 0.75% → $25k - $50k \| 1.00% → $50k - $100k
0.05%	$0	-	Basic Checking
0.05%	$0	-	Plus Checking
0.05%	$0	-	Classic Checking
0.05%	$0	-	Business Checking

Minnco Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$2.5k	-	6 Month Share Certificate
4.00%	$1k	-	13 Month Share Certificate
4.00%	$1k	-	9 Month Share Certificate
3.95%	$1k	-	12 Month Share Certificate
3.75%	$500	-	18 Month Share Certificate
3.75%	$500	-	24 Month Share Certificate
3.00%	$500	-	30 Month Share Certificate
3.00%	$500	-	36 Month Share Certificate
3.00%	$500	-	48 Month Share Certificate
3.00%	$500	-	60 Month Share Certificate
1.00%	$10k	-	3 Month Share Certificate

Minnco Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.95%	$1k	-	12 Month IRA Certificate
3.75%	$500	-	24 Month IRA Certificate
3.00%	$500	-	36 Month IRA Certificate
3.00%	$500	-	48 Month IRA Certificate
3.00%	$500	-	60 Month IRA Certificate
1.50%	$0	-	IRA Share Savings

Locations

Minnco Credit Union Locations
Branch Office	235 1st Ave W	Cambridge, MN 55008
Corporate Office	2215 3rd Ave NE	Cambridge, MN 55008
Branch Office	2121 Station Pkwy NW	Andover, MN 55304
Branch Office	38877 10th Ave	North Branch, MN 55056
Branch Office	311 Credit Union Dr	Isanti, MN 55040
Branch Office	613 Rose Dr	Big Lake, MN 55309
Branch Office	503 19th Ave N	Princeton, MN 55371
Branch Office	3625 Talmage Cir	Vadnais Heights, MN 55110-4158

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