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iAdvertiser Disclosure
Advertiser Disclosure
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 City & County Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
City & County Credit Union's 15-Month CD rates are at 4.26%. City & County Credit Union's 30 Year Fixed Mortgage rates are at 7.33%. City & County Credit Union's Auto Loan Rates are as low as 5.09%. City & County Credit Union's Credit Card Rates are at 14.00%. City & County Credit Union's mortgage rates are 1% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of City & County Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.52%. Rates last updated and verified on 10/29/2026. City & County Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at City & County Credit Union? Share your experience about City & County Credit Union by leaving a review below, or read customer reviews before you decide to use City & County Credit Union. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. City & County Credit Union CD Rates
City & County Credit Union Mortgage Rates
City & County Credit Union Auto Loan Rates
City & County Credit Union Credit Card Rates
Financial Health HistoryCity & County Credit Union’s Texas Ratio rose from 0.84% in Q3 2023 to 1.52% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for City & County Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather City & County Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with City & County Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
City & County Credit Union
Website
https://www.cccu.com
Address
144 11th St E,
Saint Paul, MN 55101
Phone
651-225-2700
Fax
651-225-2770
President
Lou Bruno
CEO
Thomas Coulter
Full-Time Employees
156
Part-Time Employees
6
Branch Locations
13
ATM Locations
12
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.52%
Return on Assets (ROA)
0.3133%
Return on Equity (ROE)
2.5937%
Non-Performing Loans Ratio (NPL)
0.32%
Total Assets
1,172,542,776
Total Amount of Shares and Deposits
1,034,468,425
Total Shares and Deposits < 1 Year
1,014,472,737
Total Shares and Deposits 1 3 Years
17,543,677
Total Shares and Deposits > 3 Years
2,452,010
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
69,333,360
Total Uninsured Shares and Deposits > $250K (F+J)
69,333,360
Total Insured Shares and Deposits > $250K (item 17 less item K)
965,135,065
Total Interest Expense (Sum of items 6 8)
5,245,552
Share Certificates
9,406
Number of Accounts for Share Drafts
41,298
IRA KEOGH Accounts
1,501
Number of Accounts for Regular Shares
71,938
All other shares
198
Money Market Shares
4,373
Net Income (unless the amount is already included in Undivided Earnings)
3,673,660
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
88,229,370
Total Liabilities
1,062,545,620
Source: NCUA — Last Updated 06/30/2026
Customer ReviewsRonald !
July 13, 2026
the bank is not so crowed like other banks and friendly tellers
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Frequently Asked Questions About City & County Credit UnionDoes City & County Credit Union offer CDs?Yes. City & County Credit Union current CD rates include its 15-Month CD at 4.26% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from City & County Credit Union NCUA insured?Yes. City & County Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at City & County Credit Union?The highest City & County Credit Union CD rate is its 15-Month CD at 4.26% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does City & County Credit Union offer?City & County Credit Union CD rates are 4.26% APY for a 15 month CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with City & County Credit Union for its full lineup. What is the lowest 30 year fixed mortgage rate at City & County Credit Union?The lowest City & County Credit Union 30 year fixed mortgage rate is its 30 Year Fixed Mortgage at 7.328% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at City & County Credit Union?The lowest City & County Credit Union auto loan rate is its Auto Loans at 5.09% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at City & County Credit Union?The lowest City & County Credit Union credit card APR is its Platinum Rewards Credit Card at 14.00% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does City & County Credit Union operate?City & County Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join City & County Credit Union?Yes, to access services at City & County Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, City & County Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, City & County Credit Union provides members with tools to manage their accounts and build a solid financial history. Does City & County Credit Union offer online and mobile banking?Most modern institutions like City & County Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cccu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do City & County Credit Union rates compare?City & County Credit Union's mortgage rates are 1% higher than the MonitorBankRates national average, and it has an A+ health rating. City & County Credit Union's top rates are its 15-Month CD at 4.26% APY, its 30 Year Fixed Mortgage at 7.328%, its Auto Loans at 5.09% APR and its Platinum Rewards Credit Card at 14.00% APR, verified by MonitorBankRates on October 29, 2026. Compare to Other Credit Unions
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