Credit union · NCUA insured
City & County Credit Union Savings Rates
City & County Credit Union’s best savings rate is 0.40% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How City & County Credit Union’s savings 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
0.40%APY
- Minimum
- —
- Earns on $10,000 a year
- $40
Money Market Savings
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
City & County Credit Union savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.65%
- QualifiedQualified0.40%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
0.40%APY
Minimum balance of $2,500 required; a fee is charged if balance drops below $2,500.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $2,499A fee is charged if you drop below the $2,500 minimum balance. · Unknown to open | 0.10% | Unknown | — | A fee is charged if you drop below the $2,500 minimum balance. |
| $2,500 – $24,999$2,500 to open | 0.40% | $2,500 | $40 | |
| $25,000 – $49,999$25,000 to open | 0.45% | $25,000 | — | |
| $50,000 – $99,999$50,000 to open | 0.55% | $50,000 | — | |
| $100,000 and up$100,000 to open | 0.65% | $100,000 | — |
Sources (2)
All captured Oct 5, 2026
Automatic Savings
0.20%APY
Higher interest rates reward consistency. Automatic transfers build discipline. All accrued earnings forfeited if closed before end of quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly dividend earnings. All accrued earnings are forfeited if account is closed before the end of the quarter.Any balance | 0.20% | $20 | Quarterly dividend earnings. All accrued earnings are forfeited if account is closed before the end of the quarter. |
Share Savings
0.10%APY
$5 minimum balance. Required for membership. Quarterly dividend earnings. Accrued earnings forfeited if closed before end of quarter. Option for non-interest primary savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly dividend earnings. All accrued earnings are forfeited if account is closed before the end of the quarter.Any balance | 0.10% | $10 | Quarterly dividend earnings. All accrued earnings are forfeited if account is closed before the end of the quarter. |
Special-purpose accounts
Health Savings Account (HSA)
0.14%APY
Paired with a High Deductible Health Plan (HDHP). Triple tax benefits: tax-deductible contributions, tax-free interest/growth, and tax-free qualified medical expense payments. Unused funds roll over year to year without limit.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $2,499$0 to open | 0.05% | $0 | — |
| $2,500 – $9,999$2,500 to open | 0.10% | $2,500 | — |
| $10,000 – $24,999$10,000 to open | 0.14% | $10,000 | $14 |
| $25,000 and up$25,000 to open | 0.18% | $25,000 | — |
Sources (2)
All captured Sep 18, 2026
Daily Interest / Holiday Club
0.10%APY
No minimum balance required. Interest accrues daily, paid quarterly. All accrued earnings forfeited if closed before end of quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly dividend earnings. All accrued earnings are forfeited if account is closed before the end of the quarter.Any balance | 0.10% | $10 | Quarterly dividend earnings. All accrued earnings are forfeited if account is closed before the end of the quarter. |
Youth Savings Account
0.10%APY
For youth members. Zero fees, zero minimum balance. All accrued earnings forfeited if closed before end of quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQuarterly dividend earnings. All accrued earnings are forfeited if account is closed before the end of the quarter.Any balance | 0.10% | $10 | Quarterly dividend earnings. All accrued earnings are forfeited if account is closed before the end of the quarter. |
Sources (2)
All captured Sep 18, 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.