144 11TH ST E
Saint Paul, MN 55101
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 1.05% →
1-Year CD 1.05% 1.05% →
2-Year CD 1.31% 1.11% →
5-Year CD 1.66% 1.56% →
30-Year Mortgage N.A. 2.88% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Credit Union Information

City & County is an NCUA insured institution located in Saint Paul, MN. It was founded in 1928 and has approximately $921.16 millions in assets.

Who can join?

Membership is open to:
• Anyone in Ramsey, Washington or Dakota County or the cities of Maple Grove, Osseo or Plymouth.
• Relatives of any current CCCU member (including spouse, children, parents, siblings, aunts and uncles) and persons who reside in the same household of a current CCCU member.
• Employees of companies that offer membership as a benefit.

NCUA Insured Yes
Charter Number # # 60255
Date Established 1928
Assets $921.16 million
Loans $555.37 million
Deposits $806.17 million
Capital $107.37 million

Field of Membership Restrictions

City& County CU is open to the residents of Ramsey, Washington, or Dakota Counties or the cities of Maple Grove, Osseo, or Plymouth, employees of the CU-affiliated companies, as well as the family members or household occupants of current CU members.

Deposit Rates - August 14, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.15% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.75% $10,000 $14,999 Learn More
6 Mo CD
0.75% $100,000 $199,999 Learn More
12 Mo CD
1.05% $10,000 $14,999 Learn More
12 Mo CD
1.05% $100,000 $199,999 Learn More
24 Mo CD
1.31% $10,000 $14,999 Learn More
24 Mo CD
1.31% $100,000 $199,999 Learn More
36 Mo CD
1.46% $10,000 $14,999 Learn More
36 Mo CD
1.46% $100,000 $199,999 Learn More
48 Mo CD
1.56% $10,000 $14,999 Learn More
48 Mo CD
1.56% $100,000 $199,999 Learn More
60 Mo CD
1.66% $10,000 $14,999 Learn More
60 Mo CD
1.66% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.25% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 14, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for CITY & COUNTY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.970% 2.900% 0.88 $2,264 $1,041 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
3.500 %
$25,000 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are City & County branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

City & County Locations

Financial Details

City & County Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of City & County. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
City & County U.S. Average
1.42% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, City & County had $1,084,829 in non-current loans and $472,529 in owned assets. To cover these potential losses it had $107,368,500 in net worth and $2,678,221 in loans loss reserves. That gives it a Texas Ratio of 1.42%.

Net Worth
City & County U.S. Average
11.65% 13.61%

City & County FCU has a net worth of 11.65% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About City & County

Branches and Savings

What is City & County?

A federal credit union, registered with the NCUA under certificate #60255.
Learn more about credit unions here.

Is City & County FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join City & County?

Please see Field of Membership information above for information on who is eligible to join.

What are City & County's share account and share certificate rates?

City & County's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is City & County?

City & County has total capital of $107.37 million. Full information on City & County's financial position is located above.

Who owns City & County?

Credit Unions are owned by their members.

Where are City & County branches located?

See branch locations nearby.

Are City & County ATMs Open 24/7?

Do City & County ATMs accept cash deposits?

Can City & County customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does City & County have a mobile app?

Does City & County have mobile deposit?

Does City & County have quick pay?

How can City & County transfer money to other banks or credit unions?

Does City & County report to credit bureaus?

Does City & County use Chexsystems?

Does City & County use Equifax?

What is City & County's toll free phone number?

What is City & County's ACH Routing Number?

What is City & County's SWIFT code?

Where can I find City & County's wire transfer form?

What is the City & County address for deposits?

What Products Does City & County Offer

Does City & County offer mortgages?

Compare mortgage rates here.

Does City & County offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does City & County offer auto and RV loans?

Compare auto loan rates here.

Does City & County offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for City & County

  • March 13, 2019 |

    I am not a member of this credit union, but I am currently holding an account there as the personal rep of my sister's estate. She was a member there, a recent County retiree. I am writing on her behalf.

    The credit union was firm about its rules but also generous when she asked for a home improvement loan. They worked with her and got her the best rate she could get, I believe, given the state of her house, her retirement, and savings history. I have met these employees and I find them to be good people who were extremely helpful to me as I worked with them to set up an estate account and to pay off the house loan. They also helped me to access a safe deposit box under conditions when other institutions might not have been so helpful.

    Their phone reps know me and can route me to the right person to answer questions and they can do routine banking tasks for me. Many other staff now recognize me as well.

    I was delighted to receive a debit card attached to the estate account. This has given me freedom to make payments out the account for my estate work without hauling around lots of paper material and it has helped me keep track of estate business. Monthly statements are nicely laid out.

    I have worked with employees at the downtown office and at the Maplewood office as well as the phone persons. I have not yet encountered anyone who was not very helpful.

    The downtown employees worked gently with me to assemble my proper credentials for accessing my sister's assets, which is not an easy process, I learned. The Maplewood auto loan specialist spent some time helping me put a value on estate items. Others there helped me understand the house loan, an IRA asset, and my options for moving living person assets into the estate. They were all patient with me, in my grief, when I had to have repeated explanations to take it all in.

    I would give another star if the CD rates were higher--I am keeping to my own CU because the rates are a bit higher. I suspect, though, that this CU serves its target population of city and county employees well and helps them with all sorts of banking issues as well as routine services. I would like to add that there is an interesting mix of ethnicities and backgrounds reflected in the staff. Here's a shout-out to Bibi and her squad in particular.

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