Personal Banking

Bank on
Your Terms

Everyday banking, minus the fees, minimums, and surprise charges that come with a big bank.

Open An Account View Deposit Rates

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Save, Spend, and Grow Your Way

Checking Account

No minimums. No monthly fees. Just pick the perks that work for you.

Savings Account

Open with as little as $5 and start earning right away.

Youth Account

Start smart money habits early with an account built for kids.

Student Account

Manage your first paycheck with no monthly maintenance fee.

Certificates (CDs)

Lock in a higher rate on $1,000 or more, fixed for the full term.

Money Market Account

Earn higher interest while keeping your cash within reach.

Health Savings Account

Set aside tax-free dollars for medical costs.

Cards That Keep More in Your Pocket

Credit Cards

Choose cash back or a low rate with no annual fee.

Debit Cards

Bank nationwide with 100,000+ fee-free ATMs, plus up to $15 in ATM fees refunded monthly on qualifying checking accounts.

Three Ways to Open Your Account

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Apply Online

Finish in minutes, any time of day.

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Book an Appointment

Meet with our team at a branch near you.

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Call Us

Get answers fast and open your account over the phone.

Banking on People, Not Profits

City & County is member-owned and not-for-profit, so earnings come back to you through better rates, fewer fees, and a team focused on your wins.

See The CCCU Difference

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Financial Freedom Starts Here

Take the guesswork out of money decisions with tools that help you plan, learn, and move forward.

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Test Your Financial Wellness

See how your money habits stack up and where to improve.

Take The Quiz

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Run the Numbers

Compare payments, savings, and timelines before you decide.

Try The Calculators

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Make the Move

Download the free guide to switch your accounts step by step.

Get The Guide

Banking FAQs

How do I know which account is right for me?

Can I open an account online?

Do I have to live in Minnesota to join CCCU?

What do I need to complete my online application?

Is my money insured at a credit union?

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Make the Move to Better Banking

Switch in minutes and start saving on fees, rates, and everyday spending.

Join CCCU

Ready for Better Banking?

Ready to Hit the Road, Water, or Open House?

Welcome Back

Noticed Something Unusual?

Give Your Business Room to Grow

Personal Banking

Bank on
Your Terms