Credit union · NCUA insured
City & County Credit Union
A $1.2B credit union, the 416th largest of 4,329, headquartered in St. Paul, MN, with 62,149 members and 13 branches in 4 states. Best rates: CDs 4.06% and savings 0.40% APY.
City & County Credit Union Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#64 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About City & County Credit Union
Founded in 1928, City & County Credit Union is an independent, member-owned, not-for-profit credit union serving members across 13 branches in 15 Minnesota and Wisconsin counties.
Originally established to serve Saint Paul and Ramsey County employees, it adopted its current name in 1998 and merged with Mill City Credit Union in 2019.
- Headquarters
- 144 11th St E, St. Paul, MN 55101
- NCUA charter
- 60255
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or learn in eligible Minnesota counties (Anoka, Carver, Chisago, Dakota, Hennepin, McLeod, Meeker, Ramsey, Scott, Sherburne, Sibley, Washington, Wright) or Wisconsin counties (Pierce, St. Croix), or who have an immediate family member who does.
Employers and groups
- Eligibility is open nationwide to employees or retirees of General Mills, Inc., or their immediate family members.
Military, government and schools
- Eligibility is open to employees of the City of Saint Paul and Ramsey County.
Family and household
- Eligibility is open to individuals who have an immediate family member who is a current City & County Credit Union member or who live with someone that is a current member.
Branches
13 branches in 4 states
Loading map…
Minnesota
10 branches
- Main OfficeMain office144 11th St E, St. Paul, MN 55101Directions
- Brooklyn Park5941 94th Ave N, Brooklyn Park, MN 55443Directions
- Eagan Office1523 Central Pkwy, Eagan, MN 55121Directions
- Champion Center/General Mills1 General Mills Blvd, Golden Valley, MN 55426Directions
- JFB Technical Center9000 Plymouth Ave N, Golden Valley, MN 55427Directions
- Lake Elmo Office8500 Hudson Blvd N, Lake Elmo, MN 55042Directions
- Maplewood Office1661 Cope Ave E, Maplewood, MN 55109Directions
- Minnetonka10653 Wayzata Blvd, Minnetonka, MN 55305Directions
- Shoreview Office1001 Red Fox Rd, Shoreview, MN 55126Directions
- Woodbury Office4008 Radio Dr, Woodbury, MN 55129Directions
Iowa
1 branch
- Cedar Rapids4800 Edgewood Rd SW, Cedar Rapids, IA 52404Directions
Missouri
1 branch
- Hannibal1 Red Devil Rd, Hannibal, MO 63401Directions
Tennessee
1 branch
- Murfreesboro2532 General Mills Way, Murfreesboro, TN 37127Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.08% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.32% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.63% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $69 | $88 | — |
- CapitalNet worth ratio12.08%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.32%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.63%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$69Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of City & County Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.