City & County Credit Union


144 11th St E
Saint Paul, MN 55101
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Notable Rates APY Vs.Others
Savings 0.15% 5.55% →
1-Year CD 0.80% 5.38% →
2-Year CD 0.95% 4.95% →
5-Year CD 1.26% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 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 $1233.75 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 / State-Chartered
Charter Number # # 60255
Date Established 1928
Assets $1,233.75 million
Loans $711.10 million
Deposits $1,037.40 million
Capital $131.18 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 - July 21, 2024

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
0.50% $1,000 - Learn More
12 Mo CD
0.80% $10,000 $14,999 Learn More
24 Mo CD
0.95% $1,000 - Learn More
36 Mo CD
1.05% $1,000 - Learn More
48 Mo CD
1.15% $1,000 - Learn More
60 Mo CD
1.26% $1,000 - 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 - July 21, 2024

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 2024

Lender APR Rate (%) Points Fees Monthly
Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.711% 6.625% 0.63 $2,850 $2,049 Learn More
New American Funding, LLC.
NMLS ID: 6606
6.831% 6.740% 0.88 $2,989 $2,074 Learn More
NMLS ID: 1907
7.053% 6.875% 0.88 $5,802 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.076% 6.990% 0.88 $2,800 $2,127 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to City & County
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 around zip code 20146

BranchDistance Map View Lobby Hours

Lake Elmo Office

914.71 A View Lobby Hours

Maplewood Office

921.15 B View Lobby Hours

Eagan Office

922.30 C View Lobby Hours

Main Office

922.36 D View Lobby Hours

Climate Policy and Initiatives

CITY & COUNTY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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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
3.85% 6.52

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 31, 2024, City & County had $4,715,131 in non-current loans and $485,501 in owned assets. To cover these potential losses it had $131,179,314 in net worth and $3,825,040 in loans loss reserves. That gives it a Texas Ratio of 3.85%.

Net Worth
City & County U.S. Average
10.63% 13.65%

City & County FCU has a net worth of 10.63% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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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