Best Credit Union Savings and Money Market Rates in Minnesota, MN August 17, 2025

You are viewing savings rates from credit unions across Minnesota

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Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

MN - August 17, 2025

Savings Account National Average Rate: 0.45% ^?

Credit Unions	APY	MIN
GENISYS Genisys Branch Restrictions	5.12% 0.10%	$0 $5	Learn More Add Review
EXPEDITION United Educators Branch Restrictions	5.00% 2.02% 0.05%	$50,000 $100,000 $2,500	Learn More Add Review
WINGS FINANCIAL Wings Financial Branch Restrictions	4.25% 0.15%	$25,000 $0	Learn More Add Review
Rate History: 2.32% → 4.75% → 4.00% → 4.25%
BAXTER Target City Center Branch Restrictions	4.00% 0.40% 0.30% 0.15% 0.10% 0.05%	$15,000 $500,000 $250,000 $100,000 $25,000 $1,000	Learn More Add Review
12 Month Introductory Rate
AFFINITY PLUS Affinity Plus Branch Restrictions	3.40%	$0	Learn More
Rate History: 3.50% → 4.00% → 3.75% → 3.50% → 3.40%
harleyron74 \| Mar 5, 2020 Very easy to open A CD or M&M account. They use Transunion to verify credit so just thaw your freeze for A day or 2 and your good to go. I was helped by Holly and Natalie and had no issues at the Cambridg... Read More Reviews (1)
SUPERIOR CHOICE Superior Choice Branch Restrictions	3.25% 2.50% 1.75% 1.00% 0.50%	$250,000 $100,000 $50,000 $10,000 $2,500	Learn More
Rate History: 2.28% → 3.55% → 3.50% → 3.25%
prashant109 \| Dec 7, 2023 100% a Rogue Bank. Wish I could give them a negative star. Banks like superior choice CU are the example why Americans are behind on building better credit portfolio. They for some strange reasons ar... Read More Reviews (1)
ST. PAUL St. Paul Branch Restrictions	3.15% 3.10% 3.05% 3.00% 2.95%	$100,001 $50,001 $25,001 $10,001 $2,500	Learn More Add Review
Rate History: 2.15% → 3.15%
ALLIANT Restrictions	3.10%	$100	Learn More
Gaius Gracchus \| Mar 22, 2024 Their CD rates are reasonable and their Visa rewards is very good at 2.5% on all purchases up to 10K/month. Their customer service is polite and helpful. However, their IT department must need some serio... Read More Reviews (5)
AFFINITY PLUS Affinity Plus Branch Restrictions	3.10% 2.50% 2.35% 2.25%	$25,000 $10,000 $5,000 $2,000	Learn More
Rate History: 3.50% → 3.25% → 3.10%
harleyron74 \| Mar 5, 2020 Very easy to open A CD or M&M account. They use Transunion to verify credit so just thaw your freeze for A day or 2 and your good to go. I was helped by Holly and Natalie and had no issues at the Cambridg... Read More Reviews (1)
CONNEXUS Restrictions	3.01% 2.80% 2.51% 2.00% 0.25%	$1,000,000 $500,000 $250,000 $20,000 $1,000	Learn More
Rate History: 4.15% → 4.01% → 3.91% → 3.65% → 3.01%
Josh Hinson \| Feb 3, 2023 So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... Read More Reviews (7)
TRUSTONE FINANCIAL	3.00% 2.00% 1.50% 1.00%	$100,000 $50,000 $25,000 $10,000	Learn More Add Review
PENTAGON Restrictions	2.90%	$5	Learn More
Last change: ↓ 0.10% on February 10.
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
HIWAY	2.50% 1.35%	$100,000 $2,000	Learn More Add Review
GREENSTATE Restrictions	2.45% 2.25% 2.05% 1.85% 1.65% 1.45%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $2,500	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
VERIDIAN Restrictions	2.45% 2.25% 2.05% 1.85% 1.65% 1.45% 0.25%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $2,500 $1,000	Learn More Add Review
GENISYS Genisys Branch Restrictions	2.17% 1.97% 1.76%	$100,000 $75,000 $50,000	Learn More Add Review
BAXTER Target City Center Branch Restrictions	2.00% 1.50% 0.01%	$25,000 $25 $0	Learn More Add Review
Rate History: 2.50% → 2.00%
ROYAL Royal Branch Restrictions	1.80% 1.65% 1.35%	$100,000 $25,000 $10,000	Learn More Add Review
TRUSTONE FINANCIAL Oakdale Branch Restrictions	1.75% 1.00% 0.80%	$50,000 $10,000 $0	Learn More
Ann and Korky \| Aug 7, 2020 We have been members for over 40 years. Now that we are retired, we spend a lot of time in Turkey. We use our credit card from Trustone, but often the merchant will not accept it. They try to run it thr... Read More Reviews (2)
GREENSTATE Restrictions	1.25% 0.05%	$100 $101	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
MAGNIFI FINANCIAL Holdingford Branch Restrictions	1.15% 0.95% 0.85% 0.65% 0.55% 0.50%	$150,000 $100,000 $50,000 $25,000 $10,000 $2,500	Learn More Add Review
Rate History: 1.20% → 1.15%
DAWSON CO-OP Dawson Co-op Branch Restrictions	0.75%	$2,500	Learn More Add Review
DIVERSIFIED Diversified Branch Restrictions	0.75%	$25,000	Learn More Add Review
ST. PAUL St. Paul Branch Restrictions	0.50% 0.12%	$1 $50	Learn More Add Review
FIREFLY Us Branch Restrictions	0.50%	$25,000	Learn More
Firefly \| Apr 9, 2016 US Federal changed its name to Firefly Read More Reviews (1)
CO-OP CREDIT UNION OF MONTEVIDEO Co-op Credit Union O Branch Restrictions	0.50%	$25,000	Learn More Add Review
NORTH STAR Cook Area Branch	0.40%	$25,000	Learn More Add Review
ROYAL Royal Branch Restrictions	0.40%	$0	Learn More Add Review
SMW FINANCIAL Maplewood Branch Restrictions	0.40%	$25,000	Learn More Add Review
CO-OP CREDIT UNION OF MONTEVIDEO Co-op Credit Union O Branch Restrictions	0.40%	$2,500	Learn More Add Review
RED WING Red Wing Branch Restrictions	0.40%	$25,000	Learn More Add Review
WEST METRO SCHOOLS West Metro Schools Branch Restrictions	0.40%	$25,000	Learn More Add Review
THRIVENT Restrictions	0.40%	$10,000	Learn More Add Review
TOPLINE Brooklyn Park Branch Restrictions	0.40%	$25,000	Learn More Add Review
LATVIAN Latvian Branch	0.40%	$2,500	Learn More Add Review
ASHLAND Ashland Branch Restrictions	0.40%	$10,000	Learn More Add Review
NORTH STAR Cook Area Branch	0.35%	$10,000	Learn More Add Review
MEMBERS COOPERATIVE Members Cooperative Branch Restrictions	0.35%	$25,000	Learn More Add Review
ASSOCIATED HEALTHCARE Associated Health Ca Branch Restrictions	0.35%	$25,000	Learn More Add Review
MID MINNESOTA Mid Minnesota Branch Restrictions	0.35%	$25,000	Learn More Add Review
SOUTHPOINT FINANCIAL St. Peter Branch Restrictions	0.35%	$2,500	Learn More Add Review
CO-OP CREDIT UNION OF MONTEVIDEO Co-op Credit Union O Branch Restrictions	0.35%	$2,500	Learn More Add Review
FIRST ALLIANCE First Alliance Branch Restrictions	0.35%	$25,000	Learn More Add Review
WEST METRO SCHOOLS West Metro Schools Branch Restrictions	0.35%	$2,500	Learn More Add Review
NOVATION Novation Branch Restrictions	0.35%	$2,500	Learn More Add Review
NORTH STAR Cook Area Branch	0.30%	$1,000	Learn More Add Review
SHAREPOINT Sharepoint Branch Restrictions	0.30%	$10,000	Learn More Add Review
MEMBERS COOPERATIVE Members Cooperative Branch Restrictions	0.30%	$10,000	Learn More Add Review
SPIRE Woodbury Branch Restrictions	0.30%	$25,000	Learn More Add Review
FIREFLY Us Branch Restrictions	0.30%	$25,000	Learn More
Firefly \| Apr 9, 2016 US Federal changed its name to Firefly Read More Reviews (1)
MINNESOTA CATHOLIC St. John's Of Little Branch	0.30%	$25,000	Learn More Add Review
SMW FINANCIAL Maplewood Branch Restrictions	0.30%	$10,000	Learn More Add Review
ASSOCIATED HEALTHCARE Associated Health Ca Branch Restrictions	0.30%	$10,000	Learn More Add Review
MINNCO Minnco Branch Restrictions	0.30%	$25,000	Learn More
Dchbuckeye \| Oct 27, 2021 Incompetent and I am annoyed! I financed an ATV thru Minnco. A year into the loan. I started to receive threading letters to prove I had insurance. Which I had from Progressive since day 1. After 3 calls ... Read More Reviews (2)
CITY & COUNTY City & County Branch Restrictions	0.30%	$25,000	Learn More
Linda Bryan \| Mar 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. ... Read More Reviews (1)
IDEAL St. Paul Postal Empl Branch Restrictions	0.30%	$25,000	Learn More
Linda Bryan \| Mar 13, 2019 Ideal Credit Union is a local treasure. Although it is primarily made up of the old St. Paul Postal CU, it also subsumed the North St. Paul School District Employees' CU many years ago. It has generous eli... Read More Reviews (1)
FIRST ALLIANCE First Alliance Branch Restrictions	0.30%	$10,000	Learn More Add Review
TRADES & LABOR Trades & Labor Branch	0.30%	$25,000	Learn More Add Review
RED WING Red Wing Branch Restrictions	0.30%	$10,000	Learn More Add Review
DIVERSIFIED Diversified Branch Restrictions	0.30%	$25,000	Learn More Add Review
HIWAY Hiway Branch Restrictions	0.30%	$25,000	Learn More Add Review
THRIVENT Restrictions	0.30%	$25,000	Learn More Add Review
TOPLINE Brooklyn Park Branch Restrictions	0.30%	$10,000	Learn More Add Review
NORTH SHORE North Shore Branch Restrictions	0.30%	$25,000	Learn More Add Review
ASHLAND Ashland Branch Restrictions	0.30%	$2,500	Learn More Add Review
CENTRICITY	0.30%	$25,000	Learn More Add Review
EMBARRASS VERMILLION Embarrass Vermillion Branch Restrictions	0.30%	$2,500	Learn More Add Review
STAR USA Restrictions	0.25%	$50,000	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
MARINE Marine Branch Restrictions	0.25%	$25,000	Learn More Add Review
TRUSTAR Trustar Branch Restrictions	0.25%	$500	Learn More Add Review
MINNESOTA CATHOLIC St. John's Of Little Branch	0.25%	$10,000	Learn More Add Review
SMW FINANCIAL Maplewood Branch Restrictions	0.25%	$2,500	Learn More Add Review
ASSOCIATED HEALTHCARE Associated Health Ca Branch Restrictions	0.25%	$2,500	Learn More Add Review
GREAT RIVER Great River Branch Restrictions	0.25%	$25,000	Learn More Add Review
MINNESOTA VALLEY Minnesota Valley Branch Restrictions	0.25%	$2,500	Learn More Add Review
CITY & COUNTY City & County Branch Restrictions	0.25%	$2,500	Learn More
Linda Bryan \| Mar 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. ... Read More Reviews (1)
IDEAL St. Paul Postal Empl Branch Restrictions	0.25%	$2,500	Learn More
Linda Bryan \| Mar 13, 2019 Ideal Credit Union is a local treasure. Although it is primarily made up of the old St. Paul Postal CU, it also subsumed the North St. Paul School District Employees' CU many years ago. It has generous eli... Read More Reviews (1)
RED WING Red Wing Branch Restrictions	0.25%	$2,500	Learn More Add Review
WEST METRO SCHOOLS West Metro Schools Branch Restrictions	0.25%	$2,500	Learn More Add Review
THRIVENT Restrictions	0.25%	$10,000	Learn More Add Review
NORTH SHORE North Shore Branch Restrictions	0.25%	$2,500	Learn More Add Review
OTTER TAIL Otter Tail Branch	0.25%	$2,500	Learn More Add Review
ASHLAND Ashland Branch Restrictions	0.25%	$2,500	Learn More Add Review
HOME TOWN Hyvee Branch Restrictions	0.25%	$25,000	Learn More Add Review
SHARE ADVANTAGE Share Advantage Branch	0.25%	$25,000	Learn More Add Review
HARBOR POINTE Duluth Teachers Branch Restrictions	0.25%	$10,000	Learn More Add Review
WINGS FINANCIAL Wings Financial Branch Restrictions	0.25% 0.20%	$100,000 $50,000	Learn More Add Review
BUILDING TRADES Building Trades Branch Restrictions	0.24%	$10,000	Learn More Add Review
MARINE Marine Branch Restrictions	0.20%	$10,000	Learn More Add Review
NORTH STAR Cook Area Branch	0.20%	$100	Learn More Add Review
TRUSTAR Trustar Branch Restrictions	0.20%	$25,000	Learn More Add Review
EDU Restrictions	0.20%	$0	Learn More Add Review
MEMBERS COOPERATIVE Members Cooperative Branch Restrictions	0.20%	$10,000	Learn More Add Review
NORTHWOODS Northwoods Branch Restrictions	0.20%	$25,000	Learn More Add Review
SPIRE Woodbury Branch Restrictions	0.20%	$2,500	Learn More Add Review
MINNESOTA CATHOLIC St. John's Of Little Branch	0.20%	$2,500	Learn More Add Review
MINNCO Minnco Branch Restrictions	0.20%	$10,000	Learn More
Dchbuckeye \| Oct 27, 2021 Incompetent and I am annoyed! I financed an ATV thru Minnco. A year into the loan. I started to receive threading letters to prove I had insurance. Which I had from Progressive since day 1. After 3 calls ... Read More Reviews (2)
FULDA AREA Fulda Area Branch Restrictions	0.20%	$25,000	Learn More Add Review
CROW WING POWER Crow Wing Power Branch Restrictions	0.20%	$2,500	Learn More Add Review
FIRST ALLIANCE First Alliance Branch Restrictions	0.20%	$2,500	Learn More Add Review
ALTRA Altra Branch Restrictions	0.20%	$25,000	Learn More Add Review
TRADES & LABOR Trades & Labor Branch	0.20%	$2,500	Learn More Add Review
DIVERSIFIED Diversified Branch Restrictions	0.20%	$2,500	Learn More Add Review
HIWAY Hiway Branch Restrictions	0.20%	$2,500	Learn More Add Review
TOPLINE Brooklyn Park Branch Restrictions	0.20%	$2,500	Learn More Add Review
UNITY ONE Unity One Branch Restrictions	0.20%	$10,000	Learn More Add Review
CENTRICITY	0.20%	$2,500	Learn More Add Review
SHARE ADVANTAGE Share Advantage Branch	0.20%	$2,500	Learn More Add Review
TWO HARBORS Two Harbors Branch Restrictions	0.20%	$25,000	Learn More Add Review
ST. CLOUD FINANCIAL	0.20%	$25,000	Learn More Add Review
BUILDING TRADES Building Trades Branch Restrictions	0.19%	$2,500	Learn More Add Review
STAR USA Restrictions	0.15%	$2,500	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
MARINE Marine Branch Restrictions	0.15%	$2,000	Learn More Add Review
TRUSTAR Trustar Branch Restrictions	0.15%	$10,000	Learn More Add Review
MEMBERS COOPERATIVE Members Cooperative Branch Restrictions	0.15%	$2,500	Learn More Add Review
NORTHWOODS Northwoods Branch Restrictions	0.15%	$2,500	Learn More Add Review
FINANCIAL ONE Financial One Branch Restrictions	0.15%	$25,000	Learn More Add Review
GREAT RIVER Great River Branch Restrictions	0.15%	$10,000	Learn More Add Review
MINNESOTA VALLEY Minnesota Valley Branch Restrictions	0.15%	$2,500	Learn More Add Review
SOUTHPOINT FINANCIAL St. Peter Branch Restrictions	0.15%	$2,500	Learn More Add Review
FULDA AREA Fulda Area Branch Restrictions	0.15%	$10,000	Learn More Add Review
CITY & COUNTY City & County Branch Restrictions	0.15%	$2,500	Learn More
Linda Bryan \| Mar 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. ... Read More Reviews (1)
ACCENTRA Accentra Branch Restrictions	0.15%	$25,000	Learn More Add Review
HIWAY Hiway Branch Restrictions	0.15%	$2,500	Learn More Add Review
THRIVENT Restrictions	0.15%	$2,500	Learn More Add Review
NORTH SHORE North Shore Branch Restrictions	0.15%	$2,500	Learn More Add Review
NOVATION Novation Branch Restrictions	0.15%	$2,500	Learn More Add Review
PIPEFITTERS-STEAMFITTERS Pipefitters-steamfit Branch Restrictions	0.15%	$2,500	Learn More Add Review
CATHOLIC UNITED FINANCIAL Catholic Aid Associa Branch	0.15%	$25,000	Learn More Add Review
HOME TOWN Hyvee Branch Restrictions	0.15%	$10,000	Learn More Add Review
NORTHERN COMMUNITIES Northern Communities Branch Restrictions	0.15%	$2,500	Learn More Add Review
TWO HARBORS Two Harbors Branch Restrictions	0.15%	$2,500	Learn More Add Review
ST. CLOUD FINANCIAL	0.15%	$10,000	Learn More Add Review
MAGNIFI FINANCIAL Holdingford Branch Restrictions	0.15% 0.05%	$0 $5	Learn More Add Review
Rate History: 0.20% → 0.15%
STAR USA Restrictions	0.10%	$10	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
MARINE Marine Branch Restrictions	0.10%	$5	Learn More Add Review
TRUSTAR Trustar Branch Restrictions	0.10%	$2,500	Learn More Add Review
MEMBERS COOPERATIVE Members Cooperative Branch Restrictions	0.10%	$2,500	Learn More Add Review
FINANCIAL ONE Financial One Branch Restrictions	0.10%	$2,500	Learn More Add Review
FIREFLY Us Branch Restrictions	0.10%	$2,500	Learn More
Firefly \| Apr 9, 2016 US Federal changed its name to Firefly Read More Reviews (1)
ANOKA HENNEPIN Anoka Hennepin Branch Restrictions	0.10%	$10,001	Learn More Add Review
ASSOCIATED HEALTHCARE Associated Health Ca Branch Restrictions	0.10%	$2,500	Learn More Add Review
EXPEDITION United Educators Branch Restrictions	0.10%	$5	Learn More Add Review
MINNCO Minnco Branch Restrictions	0.10%	$2,500	Learn More
Dchbuckeye \| Oct 27, 2021 Incompetent and I am annoyed! I financed an ATV thru Minnco. A year into the loan. I started to receive threading letters to prove I had insurance. Which I had from Progressive since day 1. After 3 calls ... Read More Reviews (2)
SHAREPOINT Sharepoint Branch Restrictions	0.10%	$2,500	Learn More Add Review
AFFINITY PLUS Affinity Plus Branch Restrictions	0.10%	$0	Learn More
harleyron74 \| Mar 5, 2020 Very easy to open A CD or M&M account. They use Transunion to verify credit so just thaw your freeze for A day or 2 and your good to go. I was helped by Holly and Natalie and had no issues at the Cambridg... Read More Reviews (1)
GREAT RIVER Great River Branch Restrictions	0.10%	$2,500	Learn More Add Review
FULDA AREA Fulda Area Branch Restrictions	0.10%	$2,500	Learn More Add Review
HEARTLAND Heartland Branch Restrictions	0.10%	$10,000	Learn More Add Review
FIRST ALLIANCE First Alliance Branch Restrictions	0.10%	$2,500	Learn More Add Review
ALTRA Altra Branch Restrictions	0.10%	$2,500	Learn More Add Review
TRADES & LABOR Trades & Labor Branch	0.10%	$2,500	Learn More Add Review
ACCENTRA Accentra Branch Restrictions	0.10%	$10,000	Learn More Add Review
TRUSTONE FINANCIAL Oakdale Branch Restrictions	0.10%	$5	Learn More
Ann and Korky \| Aug 7, 2020 We have been members for over 40 years. Now that we are retired, we spend a lot of time in Turkey. We use our credit card from Trustone, but often the merchant will not accept it. They try to run it thr... Read More Reviews (2)
TRANSIT OPERATIONS Transit Operations Branch	0.10%	$2,500	Learn More Add Review
THRIVENT Restrictions	0.10%	$2,500	Learn More Add Review
STAR CHOICE Star Choice Branch Restrictions	0.10%	$25,000	Learn More Add Review
CATHOLIC UNITED FINANCIAL Catholic Aid Associa Branch	0.10%	$2,500	Learn More Add Review
UNITY ONE Unity One Branch Restrictions	0.10%	$2,500	Learn More Add Review
PROCTOR Proctor Branch	0.10%	$2,500	Learn More Add Review
NORTHERN COMMUNITIES Northern Communities Branch Restrictions	0.10%	$2,500	Learn More Add Review
HARBOR POINTE Duluth Teachers Branch Restrictions	0.10%	$10,000	Learn More Add Review
TWO HARBORS Two Harbors Branch Restrictions	0.10%	$2,500	Learn More Add Review
SUPERIOR CHOICE Superior Choice Branch Restrictions	0.10%	$5	Learn More
prashant109 \| Dec 7, 2023 100% a Rogue Bank. Wish I could give them a negative star. Banks like superior choice CU are the example why Americans are behind on building better credit portfolio. They for some strange reasons ar... Read More Reviews (1)
TRUSTONE FINANCIAL	0.10%	$0	Learn More Add Review
BUILDING TRADES Building Trades Branch Restrictions	0.09%	$2,500	Learn More Add Review
ANOKA HENNEPIN Anoka Hennepin Branch Restrictions	0.08%	$2,500	Learn More Add Review
MID MINNESOTA Mid Minnesota Branch Restrictions	0.07%	$2,500	Learn More Add Review
RICHFIELD-BLOOMINGTON Richfield-bloomingto Branch Restrictions	0.07%	$25,000	Learn More
pvbh40 \| Jul 4, 2022 Bad cutomer service, almost lot my home to foreclosure when trying to refi my current mortgage, after being assured everything was approved, very bad BEWAREOF THIS CREDIT UNION Read More Reviews (1)
TOPLINE Brooklyn Park Branch Restrictions	0.06%	$2,500	Learn More Add Review
HIWAY	0.05%	$5	Learn More Add Review
STAR USA Restrictions	0.05%	$5	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
ANOKA HENNEPIN Anoka Hennepin Branch Restrictions	0.05%	$2,500	Learn More Add Review
SHAREPOINT Sharepoint Branch Restrictions	0.05%	$5	Learn More Add Review
NORTHWOODS Northwoods Branch Restrictions	0.05%	$2,500	Learn More Add Review
SPIRE Woodbury Branch Restrictions	0.05%	$2,500	Learn More Add Review
FINANCIAL ONE Financial One Branch Restrictions	0.05%	$2,500	Learn More Add Review
FIREFLY Us Branch Restrictions	0.05%	$2,500	Learn More
Firefly \| Apr 9, 2016 US Federal changed its name to Firefly Read More Reviews (1)
MINNESOTA CATHOLIC St. John's Of Little Branch	0.05%	$2,500	Learn More Add Review
GREAT RIVER Great River Branch Restrictions	0.05%	$2,500	Learn More Add Review
HEARTLAND Heartland Branch Restrictions	0.05%	$2,500	Learn More Add Review
IDEAL St. Paul Postal Empl Branch Restrictions	0.05%	$2,500	Learn More
Linda Bryan \| Mar 13, 2019 Ideal Credit Union is a local treasure. Although it is primarily made up of the old St. Paul Postal CU, it also subsumed the North St. Paul School District Employees' CU many years ago. It has generous eli... Read More Reviews (1)
ALTRA Altra Branch Restrictions	0.05%	$2,500	Learn More Add Review
ACCENTRA Accentra Branch Restrictions	0.05%	$2,500	Learn More Add Review
RICHFIELD-BLOOMINGTON Richfield-bloomingto Branch Restrictions	0.05%	$2,500	Learn More
pvbh40 \| Jul 4, 2022 Bad cutomer service, almost lot my home to foreclosure when trying to refi my current mortgage, after being assured everything was approved, very bad BEWAREOF THIS CREDIT UNION Read More Reviews (1)
STAR CHOICE Star Choice Branch Restrictions	0.05%	$2,500	Learn More Add Review
ELECTRUS Electrus Branch Restrictions	0.05%	$2,500	Learn More Add Review
OTTER TAIL Otter Tail Branch	0.05%	$2,500	Learn More Add Review
CARPENTERS Carpenters Branch Restrictions	0.05%	$2,500	Learn More Add Review
UNITY ONE Unity One Branch Restrictions	0.05%	$2,500	Learn More Add Review
HOME TOWN Hyvee Branch Restrictions	0.05%	$2,500	Learn More Add Review
CENTRICITY	0.05%	$2,500	Learn More Add Review
SHARE ADVANTAGE Share Advantage Branch	0.05%	$2,500	Learn More Add Review
HARBOR POINTE Duluth Teachers Branch Restrictions	0.05%	$2,500	Learn More Add Review
VIRGINIA COOP Virginia Coop Branch	0.05%	$2,500	Learn More Add Review
ST. CLOUD FINANCIAL	0.05%	$2,500	Learn More Add Review
FIRST COMMUNITY Restrictions	0.03%	$2,500	Learn More Add Review
SMW FINANCIAL Maplewood Branch Restrictions	0.02%	$2,500	Learn More Add Review
FULDA AREA Fulda Area Branch Restrictions	0.02%	$2,500	Learn More Add Review
CONNEXUS Restrictions	0.02%	$100	Learn More
Rate History: 0.25% → 0.10% → 0.02%
Josh Hinson \| Feb 3, 2023 So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... Read More Reviews (7)
FIRST COMMUNITY Restrictions	0.02%	$2,500	Learn More Add Review
EDU Restrictions	0.01%	$1	Learn More Add Review
ANOKA HENNEPIN Anoka Hennepin Branch Restrictions	0.01%	$2,001	Learn More Add Review
RICHFIELD-BLOOMINGTON Richfield-bloomingto Branch Restrictions	0.01%	$2,500	Learn More
pvbh40 \| Jul 4, 2022 Bad cutomer service, almost lot my home to foreclosure when trying to refi my current mortgage, after being assured everything was approved, very bad BEWAREOF THIS CREDIT UNION Read More Reviews (1)

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.

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Branches Info across Minnesota

Branch	Street	City	State
GENISYS Genisys Genisys Branch	1519 Central Parkway, Suite 110	Eagan	MN
EXPEDITION United Educators United Educators Branch	14989 FLORENCE TRL	APPLE VALLEY	MN
WINGS FINANCIAL Wings Financial Wings Financial Branch	14985 Glazier Avenue	Apple Valley	MN
BAXTER Target City Center Target City Center Branch	33 S 6th St	Minneapolis	MN
AFFINITY PLUS Affinity Plus Affinity Plus Branch	175 West Lafayette Road	Saint Paul	MN
SUPERIOR CHOICE Superior Choice Superior Choice Branch	4161 Haines Road	Hermantown	MN
ST. PAUL St. Paul St. Paul Branch	1330 Conway Street, STE 200	Saint Paul	MN
ST. PAUL St. Paul St. Paul Branch	1330 Conway Street, STE 200	Saint Paul	MN
AFFINITY PLUS Affinity Plus Affinity Plus Branch	175 West Lafayette Road	Saint Paul	MN
ST. PAUL St. Paul St. Paul Branch	1330 Conway Street, STE 200	Saint Paul	MN
ST. PAUL St. Paul St. Paul Branch	1330 Conway Street, STE 200	Saint Paul	MN
ST. PAUL St. Paul St. Paul Branch	1330 Conway Street, STE 200	Saint Paul	MN
AFFINITY PLUS Affinity Plus Affinity Plus Branch	175 West Lafayette Road	Saint Paul	MN
SUPERIOR CHOICE Superior Choice Superior Choice Branch	4161 Haines Road	Hermantown	MN
AFFINITY PLUS Affinity Plus Affinity Plus Branch	175 West Lafayette Road	Saint Paul	MN
AFFINITY PLUS Affinity Plus Affinity Plus Branch	175 West Lafayette Road	Saint Paul	MN
GENISYS Genisys Genisys Branch	1519 Central Parkway, Suite 110	Eagan	MN
EXPEDITION United Educators United Educators Branch	14989 FLORENCE TRL	APPLE VALLEY	MN
BAXTER Target City Center Target City Center Branch	33 S 6th St	Minneapolis	MN
GENISYS Genisys Genisys Branch	1519 Central Parkway, Suite 110	Eagan	MN
ROYAL Royal Royal Branch	11450 Robinson Drive NW	Coon Rapids	MN
GENISYS Genisys Genisys Branch	1519 Central Parkway, Suite 110	Eagan	MN
TRUSTONE FINANCIAL Oakdale Oakdale Branch	7860 32nd St N	Oakdale	MN
SUPERIOR CHOICE Superior Choice Superior Choice Branch	4161 Haines Road	Hermantown	MN
ROYAL Royal Royal Branch	11450 Robinson Drive NW	Coon Rapids	MN
BAXTER Target City Center Target City Center Branch	33 S 6th St	Minneapolis	MN
ROYAL Royal Royal Branch	11450 Robinson Drive NW	Coon Rapids	MN
MAGNIFI FINANCIAL Holdingford Branch Holdingford Branch	500 Main Street	Holdingford	MN
TRUSTONE FINANCIAL Oakdale Oakdale Branch	7860 32nd St N	Oakdale	MN
SUPERIOR CHOICE Superior Choice Superior Choice Branch	4161 Haines Road	Hermantown	MN
MAGNIFI FINANCIAL Holdingford Branch Holdingford Branch	500 Main Street	Holdingford	MN
MAGNIFI FINANCIAL Holdingford Branch Holdingford Branch	500 Main Street	Holdingford	MN
TRUSTONE FINANCIAL Oakdale Oakdale Branch	7860 32nd St N	Oakdale	MN
GREATER COMMUNITY Dawson Co-op Dawson Co-op Branch	711 6th st	dawson	MN
DIVERSIFIED Diversified Diversified Branch	700 Linden Ave W	Minneapolis	MN
MAGNIFI FINANCIAL Holdingford Branch Holdingford Branch	500 Main Street	Holdingford	MN
MAGNIFI FINANCIAL Holdingford Branch Holdingford Branch	500 Main Street	Holdingford	MN
MAGNIFI FINANCIAL Holdingford Branch Holdingford Branch	500 Main Street	Holdingford	MN
ST. PAUL St. Paul St. Paul Branch	1330 Conway Street, STE 200	Saint Paul	MN
FIREFLY Us Us Branch	1400 Riverwood Drive	Burnsville	MN
CO-OP CREDIT UNION OF MONTEVIDEO Co-op Credit Union O Co-op Credit Union O Branch	2407 E HWY 7	MONTEVIDEO	MN
SUPERIOR CHOICE Superior Choice Superior Choice Branch	4161 Haines Road	Hermantown	MN
BAXTER Target City Center Target City Center Branch	33 S 6th St	Minneapolis	MN
NORTH STAR Cook Area Cook Area Branch	24 South River St	Cook	MN
ROYAL Royal Royal Branch	11450 Robinson Drive NW	Coon Rapids	MN
SMW FINANCIAL Maplewood Maplewood Branch	1691 Cope Ave E	Maplewood	MN
CO-OP CREDIT UNION OF MONTEVIDEO Co-op Credit Union O Co-op Credit Union O Branch	2407 E HWY 7	MONTEVIDEO	MN
RED WING Red Wing Red Wing Branch	3303 N Service Dr	Red Wing	MN
WEST METRO SCHOOLS West Metro Schools West Metro Schools Branch	1001 Highway 7	Hopkins	MN
TOPLINE Brooklyn Park Brooklyn Park Branch	9790 Schreiber Ter N	Brooklyn Park	MN
LATVIAN Latvian Latvian Branch	3152 17th Ave. S.	Minneapolis	MN
ASHLAND Ashland Ashland Branch	445 Broadway Ave	Saint Paul Park	MN
NORTH STAR Cook Area Cook Area Branch	24 South River St	Cook	MN
MEMBERS COOPERATIVE Members Cooperative Members Cooperative Branch	101 14TH STREET	CLOQUET	MN
ASSOCIATED HEALTHCARE Associated Health Ca Associated Health Ca Branch	360 Sherman St, Suite B-10	Saint Paul	MN
MID MINNESOTA Mid Minnesota Mid Minnesota Branch	13283 Isle Dr	Baxter	MN
SOUTHPOINT FINANCIAL St. Peter St. Peter Branch	105 S 3rd St Ste 100	Saint Peter	MN
CO-OP CREDIT UNION OF MONTEVIDEO Co-op Credit Union O Co-op Credit Union O Branch	2407 E HWY 7	MONTEVIDEO	MN
FIRST ALLIANCE First Alliance First Alliance Branch	320 ALLIANCE PL NE	ROCHESTER	MN
WEST METRO SCHOOLS West Metro Schools West Metro Schools Branch	1001 Highway 7	Hopkins	MN
NOVATION Novation Novation Branch	500 Imperial Avenue	Oakdale	MN
BAXTER Target City Center Target City Center Branch	33 S 6th St	Minneapolis	MN
NORTH STAR Cook Area Cook Area Branch	24 South River St	Cook	MN
SHAREPOINT Sharepoint Sharepoint Branch	750 2nd St NE Suite 200	Hopkins	MN
MEMBERS COOPERATIVE Members Cooperative Members Cooperative Branch	101 14TH STREET	CLOQUET	MN
BLAZE Woodbury Woodbury Branch	195 Radio Drive	Woodbury	MN
FIREFLY Us Us Branch	1400 Riverwood Drive	Burnsville	MN
MINNESOTA CATHOLIC St. John's Of Little St. John's Of Little Branch	400 E Little Canada Rd	Little Canada	MN
SMW FINANCIAL Maplewood Maplewood Branch	1691 Cope Ave E	Maplewood	MN
ASSOCIATED HEALTHCARE Associated Health Ca Associated Health Ca Branch	360 Sherman St, Suite B-10	Saint Paul	MN
MINNCO Minnco Minnco Branch	235 First Avenue W	Cambridge	MN
CITY & COUNTY City & County City & County Branch	144 11th St E	Saint Paul	MN
IDEAL St. Paul Postal Empl St. Paul Postal Empl Branch	8499 Tamarack Rd	Woodbury	MN
FIRST ALLIANCE First Alliance First Alliance Branch	320 ALLIANCE PL NE	ROCHESTER	MN
TRADES & LABOR Trades & Labor Trades & Labor Branch	610 SO BROADWAY AVE	ALBERT LEA	MN
RED WING Red Wing Red Wing Branch	3303 N Service Dr	Red Wing	MN
DIVERSIFIED Diversified Diversified Branch	700 Linden Ave W	Minneapolis	MN
HIWAY Hiway Hiway Branch	111 Empire Drive	Saint Paul	MN
TOPLINE Brooklyn Park Brooklyn Park Branch	9790 Schreiber Ter N	Brooklyn Park	MN
NORTH SHORE North Shore North Shore Branch	85 Outer Drive	Silver Bay	MN
ASHLAND Ashland Ashland Branch	445 Broadway Ave	Saint Paul Park	MN
EMBARRASS VERMILLION Embarrass Vermillion Embarrass Vermillion Branch	510 WEST 3RD AVE NORTH	AURORA	MN
MARINE Marine Marine Branch	322 Mill St	Peterson	MN
TRUSTAR Trustar Trustar Branch	601 4TH STREET	INTERNATIONAL F	MN
MINNESOTA CATHOLIC St. John's Of Little St. John's Of Little Branch	400 E Little Canada Rd	Little Canada	MN
SMW FINANCIAL Maplewood Maplewood Branch	1691 Cope Ave E	Maplewood	MN
ASSOCIATED HEALTHCARE Associated Health Ca Associated Health Ca Branch	360 Sherman St, Suite B-10	Saint Paul	MN
GREAT RIVER Great River Great River Branch	1532 W Saint Germain	Saint Cloud	MN
MINNESOTA VALLEY Minnesota Valley Minnesota Valley Branch	1640 ADAMS ST	MANKATO	MN
CITY & COUNTY City & County City & County Branch	144 11th St E	Saint Paul	MN
IDEAL St. Paul Postal Empl St. Paul Postal Empl Branch	8499 Tamarack Rd	Woodbury	MN
RED WING Red Wing Red Wing Branch	3303 N Service Dr	Red Wing	MN
WEST METRO SCHOOLS West Metro Schools West Metro Schools Branch	1001 Highway 7	Hopkins	MN
NORTH SHORE North Shore North Shore Branch	85 Outer Drive	Silver Bay	MN
OTTER TAIL Otter Tail Otter Tail Branch	413 Stanton Avenue	Fergus Falls	MN
ASHLAND Ashland Ashland Branch	445 Broadway Ave	Saint Paul Park	MN
HOME TOWN Hyvee Hyvee Branch	1620 S Cedar Ave	Owatonna	MN
SHARE ADVANTAGE Share Advantage Share Advantage Branch	2502 Maple Grove Rd	Duluth	MN
HARBOR POINTE Duluth Teachers Duluth Teachers Branch	11 West 2nd St	Duluth	MN
WINGS FINANCIAL Wings Financial Wings Financial Branch	14985 Glazier Avenue	Apple Valley	MN
BUILDING TRADES Building Trades Building Trades Branch	12080 73rd Ave N	Maple Grove	MN
MARINE Marine Marine Branch	322 Mill St	Peterson	MN
NORTH STAR Cook Area Cook Area Branch	24 South River St	Cook	MN
TRUSTAR Trustar Trustar Branch	601 4TH STREET	INTERNATIONAL F	MN
WINGS FINANCIAL Wings Financial Wings Financial Branch	14985 Glazier Avenue	Apple Valley	MN
MEMBERS COOPERATIVE Members Cooperative Members Cooperative Branch	101 14TH STREET	CLOQUET	MN
NORTHWOODS Northwoods Northwoods Branch	1702 Avenue B	Cloquet	MN
BLAZE Woodbury Woodbury Branch	195 Radio Drive	Woodbury	MN
MINNESOTA CATHOLIC St. John's Of Little St. John's Of Little Branch	400 E Little Canada Rd	Little Canada	MN
MINNCO Minnco Minnco Branch	235 First Avenue W	Cambridge	MN
LEADING EDGE Fulda Area Fulda Area Branch	205 N ST PAUL AVE	FULDA	MN
CROW WING POWER Crow Wing Power Crow Wing Power Branch	17330 State Hwy 371	Brainerd	MN
FIRST ALLIANCE First Alliance First Alliance Branch	320 ALLIANCE PL NE	ROCHESTER	MN
ALTRA Altra Altra Branch	526 Orrin Street	Winona	MN
TRADES & LABOR Trades & Labor Trades & Labor Branch	610 SO BROADWAY AVE	ALBERT LEA	MN
DIVERSIFIED Diversified Diversified Branch	700 Linden Ave W	Minneapolis	MN
HIWAY Hiway Hiway Branch	111 Empire Drive	Saint Paul	MN
TOPLINE Brooklyn Park Brooklyn Park Branch	9790 Schreiber Ter N	Brooklyn Park	MN
UNITY ONE Unity One Unity One Branch	684 Transfer Rd	Saint Paul	MN
SHARE ADVANTAGE Share Advantage Share Advantage Branch	2502 Maple Grove Rd	Duluth	MN
TWO HARBORS Two Harbors Two Harbors Branch	626 Second Avenue	Two Harbors	MN
BUILDING TRADES Building Trades Building Trades Branch	12080 73rd Ave N	Maple Grove	MN
BAXTER Target City Center Target City Center Branch	33 S 6th St	Minneapolis	MN
MARINE Marine Marine Branch	322 Mill St	Peterson	MN
WINGS FINANCIAL Wings Financial Wings Financial Branch	14985 Glazier Avenue	Apple Valley	MN
TRUSTAR Trustar Trustar Branch	601 4TH STREET	INTERNATIONAL F	MN
MEMBERS COOPERATIVE Members Cooperative Members Cooperative Branch	101 14TH STREET	CLOQUET	MN
NORTHWOODS Northwoods Northwoods Branch	1702 Avenue B	Cloquet	MN
FINANCIAL ONE Financial One Financial One Branch	843 40th Ave NE	Columbia Height	MN
GREAT RIVER Great River Great River Branch	1532 W Saint Germain	Saint Cloud	MN
MINNESOTA VALLEY Minnesota Valley Minnesota Valley Branch	1640 ADAMS ST	MANKATO	MN
SOUTHPOINT FINANCIAL St. Peter St. Peter Branch	105 S 3rd St Ste 100	Saint Peter	MN
LEADING EDGE Fulda Area Fulda Area Branch	205 N ST PAUL AVE	FULDA	MN
CITY & COUNTY City & County City & County Branch	144 11th St E	Saint Paul	MN
ACCENTRA Accentra Accentra Branch	400 4TH AVE NE	AUSTIN	MN
HIWAY Hiway Hiway Branch	111 Empire Drive	Saint Paul	MN
NORTH SHORE North Shore North Shore Branch	85 Outer Drive	Silver Bay	MN
NOVATION Novation Novation Branch	500 Imperial Avenue	Oakdale	MN
PIPEFITTERS-STEAMFITTERS Pipefitters-steamfit Pipefitters-steamfit Branch	411 Main Street, Suite 102	Saint Paul	MN
CATHOLIC UNITED FINANCIAL Catholic Aid Associa Catholic Aid Associa Branch	3499 LEXINGTON AVE N	SAINT PAUL	MN
HOME TOWN Hyvee Hyvee Branch	1620 S Cedar Ave	Owatonna	MN
NORTHERN COMMUNITIES Northern Communities Northern Communities Branch	3311 West Arrowhead Road	Duluth	MN
TWO HARBORS Two Harbors Two Harbors Branch	626 Second Avenue	Two Harbors	MN
MAGNIFI FINANCIAL Holdingford Branch Holdingford Branch	500 Main Street	Holdingford	MN
ST. PAUL St. Paul St. Paul Branch	1330 Conway Street, STE 200	Saint Paul	MN
BAXTER Target City Center Target City Center Branch	33 S 6th St	Minneapolis	MN
MARINE Marine Marine Branch	322 Mill St	Peterson	MN
TRUSTAR Trustar Trustar Branch	601 4TH STREET	INTERNATIONAL F	MN
GENISYS Genisys Genisys Branch	1519 Central Parkway, Suite 110	Eagan	MN
MEMBERS COOPERATIVE Members Cooperative Members Cooperative Branch	101 14TH STREET	CLOQUET	MN
FINANCIAL ONE Financial One Financial One Branch	843 40th Ave NE	Columbia Height	MN
FIREFLY Us Us Branch	1400 Riverwood Drive	Burnsville	MN
ANOKA HENNEPIN Anoka Hennepin Anoka Hennepin Branch	3505 Northdale Blvd NW	Coon Rapids	MN
ASSOCIATED HEALTHCARE Associated Health Ca Associated Health Ca Branch	360 Sherman St, Suite B-10	Saint Paul	MN
EXPEDITION United Educators United Educators Branch	14989 FLORENCE TRL	APPLE VALLEY	MN
MINNCO Minnco Minnco Branch	235 First Avenue W	Cambridge	MN
SHAREPOINT Sharepoint Sharepoint Branch	750 2nd St NE Suite 200	Hopkins	MN
AFFINITY PLUS Affinity Plus Affinity Plus Branch	175 West Lafayette Road	Saint Paul	MN
GREAT RIVER Great River Great River Branch	1532 W Saint Germain	Saint Cloud	MN
LEADING EDGE Fulda Area Fulda Area Branch	205 N ST PAUL AVE	FULDA	MN
HEARTLAND Heartland Heartland Branch	5500 South Robert Trail	Inver Grove Hei	MN
FIRST ALLIANCE First Alliance First Alliance Branch	320 ALLIANCE PL NE	ROCHESTER	MN
ALTRA Altra Altra Branch	526 Orrin Street	Winona	MN
TRADES & LABOR Trades & Labor Trades & Labor Branch	610 SO BROADWAY AVE	ALBERT LEA	MN
ACCENTRA Accentra Accentra Branch	400 4TH AVE NE	AUSTIN	MN
TRUSTONE FINANCIAL Oakdale Oakdale Branch	7860 32nd St N	Oakdale	MN
TRANSIT OPERATIONS Transit Operations Transit Operations Branch	725 N 7TH ST	MINNEAPOLIS	MN
STAR CHOICE Star Choice Star Choice Branch	10750 France Ave S	Minneapolis	MN
CATHOLIC UNITED FINANCIAL Catholic Aid Associa Catholic Aid Associa Branch	3499 LEXINGTON AVE N	SAINT PAUL	MN
UNITY ONE Unity One Unity One Branch	684 Transfer Rd	Saint Paul	MN
PROCTOR Proctor Proctor Branch	410 n second av	proctor	MN
NORTHERN COMMUNITIES Northern Communities Northern Communities Branch	3311 West Arrowhead Road	Duluth	MN
HARBOR POINTE Duluth Teachers Duluth Teachers Branch	11 West 2nd St	Duluth	MN
TWO HARBORS Two Harbors Two Harbors Branch	626 Second Avenue	Two Harbors	MN
SUPERIOR CHOICE Superior Choice Superior Choice Branch	4161 Haines Road	Hermantown	MN
BUILDING TRADES Building Trades Building Trades Branch	12080 73rd Ave N	Maple Grove	MN
ANOKA HENNEPIN Anoka Hennepin Anoka Hennepin Branch	3505 Northdale Blvd NW	Coon Rapids	MN
MID MINNESOTA Mid Minnesota Mid Minnesota Branch	13283 Isle Dr	Baxter	MN
MY Richfield-bloomingto Richfield-bloomingto Branch	345 E 77th Street	Richfield	MN
TOPLINE Brooklyn Park Brooklyn Park Branch	9790 Schreiber Ter N	Brooklyn Park	MN
BAXTER Target City Center Target City Center Branch	33 S 6th St	Minneapolis	MN
MAGNIFI FINANCIAL Holdingford Branch Holdingford Branch	500 Main Street	Holdingford	MN
ANOKA HENNEPIN Anoka Hennepin Anoka Hennepin Branch	3505 Northdale Blvd NW	Coon Rapids	MN
SHAREPOINT Sharepoint Sharepoint Branch	750 2nd St NE Suite 200	Hopkins	MN
NORTHWOODS Northwoods Northwoods Branch	1702 Avenue B	Cloquet	MN
BLAZE Woodbury Woodbury Branch	195 Radio Drive	Woodbury	MN
FINANCIAL ONE Financial One Financial One Branch	843 40th Ave NE	Columbia Height	MN
FIREFLY Us Us Branch	1400 Riverwood Drive	Burnsville	MN
MINNESOTA CATHOLIC St. John's Of Little St. John's Of Little Branch	400 E Little Canada Rd	Little Canada	MN
EXPEDITION United Educators United Educators Branch	14989 FLORENCE TRL	APPLE VALLEY	MN
GREAT RIVER Great River Great River Branch	1532 W Saint Germain	Saint Cloud	MN
HEARTLAND Heartland Heartland Branch	5500 South Robert Trail	Inver Grove Hei	MN
IDEAL St. Paul Postal Empl St. Paul Postal Empl Branch	8499 Tamarack Rd	Woodbury	MN
ALTRA Altra Altra Branch	526 Orrin Street	Winona	MN
ACCENTRA Accentra Accentra Branch	400 4TH AVE NE	AUSTIN	MN
MY Richfield-bloomingto Richfield-bloomingto Branch	345 E 77th Street	Richfield	MN
STAR CHOICE Star Choice Star Choice Branch	10750 France Ave S	Minneapolis	MN
ELECTRUS Electrus Electrus Branch	7100 Brooklyn Blvd	Brooklyn Center	MN
OTTER TAIL Otter Tail Otter Tail Branch	413 Stanton Avenue	Fergus Falls	MN
CARPENTERS Carpenters Carpenters Branch	720 OLIVE STREET	SAINT PAUL	MN
UNITY ONE Unity One Unity One Branch	684 Transfer Rd	Saint Paul	MN
HOME TOWN Hyvee Hyvee Branch	1620 S Cedar Ave	Owatonna	MN
SHARE ADVANTAGE Share Advantage Share Advantage Branch	2502 Maple Grove Rd	Duluth	MN
HARBOR POINTE Duluth Teachers Duluth Teachers Branch	11 West 2nd St	Duluth	MN
VIRGINIA COOP Virginia Coop Virginia Coop Branch	307 1st Street North	Virginia	MN
SMW FINANCIAL Maplewood Maplewood Branch	1691 Cope Ave E	Maplewood	MN
LEADING EDGE Fulda Area Fulda Area Branch	205 N ST PAUL AVE	FULDA	MN
BAXTER Target City Center Target City Center Branch	33 S 6th St	Minneapolis	MN
ANOKA HENNEPIN Anoka Hennepin Anoka Hennepin Branch	3505 Northdale Blvd NW	Coon Rapids	MN
MY Richfield-bloomingto Richfield-bloomingto Branch	345 E 77th Street	Richfield	MN

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates. You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.