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City & County Credit Union

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City & County Credit Union Rates & Review September 2026

Item: City & County Credit Union
Rating: 5
Author: Ronald !

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

City & County Credit Union's 9-Month CD rates are at 3.80%. 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%. 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 1.35%. Rates last updated and verified on 09/21/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.35%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

City & County Credit Union
Main Office

144 11th St E
Saint Paul, MN 55101

https://www.cccu.com

City & County Credit Union CD Rates

Product	Rate	APY	Term	View More
9-Month CD	-	3.80%	9-Month
Details UP TO Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.35%

City & County Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	5.09%
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.35%

City & County Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Rewards Credit Card	-	14.00%
Details 1% cash back on all purchases; No annual fee; Free balance transfers; Zero liability for fraudulent transactions Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.35%

City & County Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
30-year fixed rate mortgage product with 3% minimum down payment (97% LTV) available to first time home buyers only	6.88%	-	7.08%	30 years
Details The 30-year fixed rate mortgage product with 3% minimum down payment (97% LTV) available to first time home buyers only. Fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply. Payment example: On a $300,000 owner occupied (primary residence) home loan at a rate of 6.875% for 30 years, the monthly payment would be $1,970.79 resulting in a 7.075% APR. Payment does not include applicable taxes and insurance and may result in a higher payment. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.35%
6.250% for 15 years Loan	6.25%	-	6.57%	15 years
Details Payment example: On a $300,000 owner occupied (primary residence) home loan at a rate of 6.250% for 15 years, the monthly payment would be $2,572.27 resulting in a 6.569% APR. Payment does not include applicable taxes and insurance and may result in a higher payment. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.35%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

City & County Credit Union’s Texas Ratio rose from 0.44% in Q2 2023 to 1.35% in Q1 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$1.2B	1.35%	5.0	A+
December 31, 2025	$1.2B	1.46%	5.0	A+
September 30, 2025	$1.2B	1.36%	5.0	A+
June 30, 2025	$1.2B	1.27%	5.0	A+
March 31, 2025	$1.2B	1.30%	5.0	A+
December 31, 2024	$1.2B	1.52%	5.0	A+
September 30, 2024	$1.2B	1.82%	5.0	A+
June 30, 2024	$1.2B	1.28%	5.0	A+
March 31, 2024	$1.2B	1.12%	5.0	A+
December 31, 2023	$1.2B	1.05%	5.0	A+
September 30, 2023	$1.2B	0.84%	5.0	A+
June 30, 2023	$1.2B	0.44%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 157

Part-Time Employees 8

Branch Locations 13

ATM Locations 12

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.35%

Return on Assets (ROA)

0.1635%

Return on Equity (ROE)

1.3838%

Non-Performing Loans Ratio (NPL)

0.29%

Total Assets

1,184,004,387

Total Amount of Shares and Deposits

1,047,764,541

Total Shares and Deposits < 1 Year

1,027,606,235

Total Shares and Deposits 1 3 Years

17,313,520

Total Shares and Deposits > 3 Years

2,844,786

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

63,791,853

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

63,791,853

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

983,972,688

Total Interest Expense (Sum of items 6 8)

2,641,943

Share Certificates

9,647

Number of Accounts for Share Drafts

41,248

IRA KEOGH Accounts

1,529

Number of Accounts for Regular Shares

72,088

All other shares

198

Money Market Shares

4,389

Net Income (unless the amount is already included in Undivided Earnings)

1,935,874

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)

124,672,215

Total Liabilities

1,075,554,456

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

City & County Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

Ronald !

★★★★★

July 13, 2026

the bank is not so crowed like other banks and friendly tellers

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Want to discuss City & County Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for City & County Credit Union

Frequently Asked Questions About City & County Credit Union

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.