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Minnco Credit Union

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Minnco Credit Union Rates & Review April 2026

Q: How many branches does Minnco Credit Union operate?

Minnco 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.

Q: Is a member application needed to join Minnco Credit Union?

Yes, to access services at Minnco 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.

Q: Is there a first-time homebuyer program?

Currently, Minnco 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Minnco Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 26, 2026

You can compare Minnco Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.49%, 6-month share certificate rates at 0.75% and 3-month share certificate rates at 0.20%. Savings rates are at 0.60% and money market rates are at 0.02%. Mortgage rates on 30-year fixed loans are around 6.19%. All these rates can be compared to Minnco Credit Union rates. MonitorBankRates evaluates the financial stability of Minnco Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.18%. Rates were last updated on 04/26/2026.

Minnco 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 Minnco Credit Union? Share your experience about Minnco Credit Union by leaving a review below, or read customer reviews before you decide to use Minnco Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.18%

Excellent Lower than avg

Minnco Credit Union
Minnco Center

2215 3rd Ave NE
Cambridge, MN 55008

https://minnco.com

Current Rate Availability

We do not have Minnco Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Minnco 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 Minnco 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 Minnco Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Minnco Credit Union

Website https://minnco.com

Address 2215 3rd Ave NE, Cambridge, MN 55008

Phone 763-689-1071

Fax

President Jerry Schleicher

CEO Doug Hallstrom

Full-Time Employees 106

Part-Time Employees 9

Branch Locations 8

ATM Locations 8

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.18%

Return on Assets (ROA)

0.4354%

Return on Equity (ROE)

4.4634%

Non-Performing Loans Ratio (NPL)

0.83%

Total Assets

577,374,606

Total Amount of Shares and Deposits

515,728,027

Total Shares and Deposits < 1 Year

501,966,827

Total Shares and Deposits 1 3 Years

11,012,430

Total Shares and Deposits > 3 Years

2,748,770

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

42,443,482

Total Uninsured Shares and Deposits > $250K (F+J)

42,443,482

Total Insured Shares and Deposits > $250K (item 17 less item K)

473,284,545

Total Interest Expense (Sum of items 6 8)

5,494,399

Share Certificates

3,886

Number of Accounts for Share Drafts

27,298

IRA KEOGH Accounts

1,516

Number of Accounts for Regular Shares

44,416

All other shares

491

Money Market Shares

1,463

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

22,443,647

Total Liabilities

531,418,967

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Minnco Credit Union

Is Minnco Credit Union a safe place to deposit money?

Yes, Minnco Credit Union is considered a safe financial institution. With a Texas Ratio of 5.1754497641788%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Minnco Credit Union operate?

Minnco 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 Minnco Credit Union?

Yes, to access services at Minnco 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, Minnco 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, Minnco Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Minnco Credit Union offer online and mobile banking?

Most modern institutions like Minnco 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://minnco.com.