Credit union · NCUA insured
MY CREDIT UNION
A $371.3M credit union headquartered in Bloomington, MN, with 22,316 members and 4 branches in Minnesota. Best rates: CDs 4.70% and savings 0.60% APY.
MY CREDIT UNION Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#30 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About MY CREDIT UNION
MY CREDIT UNION is a member-owned non-profit financial cooperative founded in 1957 that serves members and communities across Minnesota.
Serving 15 Minnesota counties with five branch locations across the Twin Cities area, it offers personal and business banking including SBA loans.
- Headquarters
- 9550 Lyndale Ave S, Bloomington, MN 55420
- NCUA charter
- 60125
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligible to persons who live, worship, attend school, volunteer, or work in businesses and other legal entities located in 15 specified Minnesota counties.
Employers and groups
- Eligible to members and volunteers of the Bloomington Crime Prevention Association, Bloomington, MN.
- Eligible to members of the National Cosmetology Association of Minnesota.
- Eligible to members, volunteers, and donors of MY CREDIT UNION Community Foundation.
Family and household
- Eligible to members of the same household, spouse, blood, or adoptive relatives of any regularly qualified member and their spouse.
Branches
4 branches in Minnesota
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Minnesota
4 branches
- LyndaleMain office9550 Lyndale Ave S, Bloomington, MN 55420Directions
- Bloomington4025 W Old Shakopee Rd, Bloomington, MN 55437Directions
- Inver Grove Heights9050 Buchanan Trl, Inver Grove Heights, MN 55076Directions
- Richfield345 E 77th St, Richfield, MN 55423Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.44% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.23% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.14% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $93 | $76 | — |
- CapitalNet worth ratio9.44%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.23%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.14%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$93Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 MY CREDIT UNION are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.