Savings Accounts That Grow Your Dreams

Your CCCU Starting Line

• $5 minimum balance
• Quarterly dividend earnings
• Required for membership
• Perfect for basic emergency funds and getting started with CCCU

For those who don't want to earn interest, you can open a non-interest primary savings account. 

Set It and Forget It

• Higher interest rates reward consistency
• Automatic transfers build discipline
• Set your schedule and forget it
• Perfect for long-term savers who want to "pay themselves first"

Guaranteed Growth

• $1,000 minimum ($100 for ages 17 and younger)
• Fixed rates protect against market changes
• Terms from 6 months to 5 years
• Perfect for conservative savers with specific timelines for guaranteed outcomes

Save for the Future

• IRAs allow you to make the most of every dollar you save for the future
• Contributions may be tax deductible, and the tax paid on earnings deferred 
• Submit this form to request IRA or HSA contributions for the 2025 tax year

Goal-Focused Growth

• No minimum balance required
• Interest accrues daily, paid quarterly
• Track progress in real time
• Perfect for vacation funds, wedding savings, or specific purchase goals

Bigger Balances, Better Returns

• $2,500 minimum balance
• Higher interest rates than traditional savings
• Immediate access when you need it
• Perfect for emergency funds that earn more while staying liquid

Peace of Mind

• Keep your documents and other irreplaceable information is in a secure location.
• Available at the Saint Paul or Lake Elmo branch.