Credit union · NCUA insured
City & County Credit Union CD Rates
City & County Credit Union’s best CD rate is 4.06% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How City & County Credit Union’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where City & County Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
City & County Credit Union
4.06%APY
- Term
- 9 months
- Minimum
- $5,000
- Earns on $10,000
- $303
Certificates of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
City & County Credit Union CD score
76
CD score
Higher than 41% of U.S. banks and credit unions
- 3–8 months3–8 mo1.51%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo2.17%
- 31–60 months31–60 mo2.78%
- QualifiedQualified4.06%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where City & County Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.06%APY · 8 terms
No monthly or service fees. A penalty may be imposed for early withdrawal.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 1.51% | — | 1.51% | $75 |
| 9 monthsAvailable for existing CCCU account balances. Automatically renews into a 12-month term at maturity unless otherwise directed | — | 3.85% | 3.85% | $287 |
| 9 monthsIncludes a 0.20% rate boost for new money not included in current CCCU member's 3 month average daily balance. Automatically renews into a 12-month term at maturity unless otherwise directed | — | 4.06% | 4.06% | $303 |
| 12 months | 1.96% | — | 1.96% | $196 |
| 15 monthsAvailable for existing CCCU account balances. Automatically renews into a 24-month term at maturity unless otherwise directed | — | 3.85% | 3.85% | $484 |
| 15 monthsIncludes a 0.20% rate boost for new money not included in current CCCU member's 3 month average daily balance. Automatically renews into a 24-month term at maturity unless otherwise directed | — | 4.06% | 4.06% | $510 |
| 24 months | 2.17% | — | 2.17% | $439 |
| 36 months | 2.42% | — | 2.42% | $744 |
| 48 months | 2.52% | — | 2.52% | $1,047 |
| 60 months | 2.78% | — | 2.78% | $1,469 |
Sources (3)
All captured Oct 5, 2026
Savings Builder CD
1.76%APY · 1 term
Must be 18 years and older. Maximum 1 Savings Builder CD per SSN. Additional deposits allowed any time up to $5,000 maximum value. Option to upgrade to a regular CD once balance reaches $1,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.76% | — |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Personal IRA CD
Up to 4.06%APY · 7 terms
IRA certificates of deposit. A penalty for early withdrawal may apply and may reduce earnings. 6 Month CD not available for IRA.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 9 monthsAvailable for existing CCCU account balances. Automatically renews into a 12-month term at maturity unless otherwise directed | — | 3.85% | 3.85% | $287 |
| 9 monthsIncludes a 0.20% rate boost for new money not included in current CCCU member's 3 month average daily balance. Automatically renews into a 12-month term at maturity unless otherwise directed | — | 4.06% | 4.06% | $303 |
| 12 months | 1.96% | — | 1.96% | $196 |
| 15 monthsAvailable for existing CCCU account balances. Automatically renews into a 24-month term at maturity unless otherwise directed | — | 3.85% | 3.85% | $484 |
| 15 monthsIncludes a 0.20% rate boost for new money not included in current CCCU member's 3 month average daily balance. Automatically renews into a 24-month term at maturity unless otherwise directed | — | 4.06% | 4.06% | $510 |
| 24 months | 2.17% | — | 2.17% | $439 |
| 36 months | 2.42% | — | 2.42% | $744 |
| 48 months | 2.52% | — | 2.52% | $1,047 |
| 60 months | 2.78% | — | 2.78% | $1,469 |
Youth Certificate/CD
2.52%APY · 1 term
For ages 0-17. Maximum 1 Youth CD per SSN under age 18. Additional deposits allowed any time up to $10,000 maximum value.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.52% | $125 |
Sources (2)
All captured Oct 5, 2026
Who can join City & County Credit Union
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.
Membership information collected October 4, 2026.