City County Credit Union Account Review

City County Credit Union is a credit union based in Minnesota. If you live, work, worship, volunteer or attend school in a few different MN counties, you can join.

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It looks like you can live in Carver, Hennepin, McLeod, Meeker, Ramsey, Washington, Wright, or Northern Dakota County. I live in Ramsey (I’m pretty sure) so I could join them.

You’ll also get some history with this credit union – they’ve been around for 90 years helping people manage their money. They are also Minnesota’s 6th largest CU in the Twin Cities with 8 different locations.

You can find them in Saint Paul, Maplewood, Eagan, Shoreview, Woodbury, Lake Elmo, Brooklyn Park & Minnetonka.

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What City County Credit Union Offers

They offer you the usual things that a traditional bank or other credit union would. Various types of loans, savings accounts, and spending account products like checking or credit cards.

In addition to consumer products, you can also find business account offerings at City County Credit Union, too. Those include loans (like Secured loans, Commercial construction loans, or SBA), business savings accounts, and business checking accounts.

Let’s Get Personal

They offer three different types of personal checking accounts. The first is the iSelect Checking, which offers a lot of features for free. One thing that’s interesting is that they aren’t throwing around that it’s a free account like other places do.

Even so, City County Credit Union has no minimum balance on iSelect Checking, Free mobile deposit and online bill pay, debit cash back rewards, ATM refunds, free checks and monthly interest. They do not specify if there’s a monthly fee for the checking accounts on the main page for those.

On their actual fee schedule page (which I had to Google search to find) it says that there is a 50 cent charge per transaction after the first 50 free ones. If you overdraft, its a $35 fee per item. A negative account balance is $2/day after your account has been negative for 4 consecutive days.

City County Credit Union Advantage Checking

The advantage checking account is a little bit bigger, as it requires a $2,500 minimum balance. The other benefits are about the same as with iSelect. You get free mobile deposit, free online bill pay, debit cash back rewards, ATM refunds, free checks and monthly interest.

The Advantage account from City County Credit Union has 150 transactions per month, so, after that it’s 30 cents for each additional. There’s an $8 per month fee if this account is below its minimum balance, too.

AdvantagePlus Checking

This one is similar to the last two but has some key differences. Mainly, the $10,000 minimum balance. That would probably be too much for most college students/young professionals, but that’s who regular advantage or iSelect is there for (I imagine).

The account offers free mobile deposit, free online bill pay, debit cash back rewards, ATM refunds, free checks, monthly interest, and loan product discounts. The loan product discount part is unique to AdvantagePlus.

I know this isn’t a perfect theory, but, I figure that if someone is able to carry a balance of at least $10,000 regularly in their checking account, they might also be in the market for needing a loan. Most college students who are scraping pennies together probably aren’t looking for mortgages, that’s all I’m saying.

City County Credit Union Hours

Mon– Friday7:30 am–5 pm
Saturday9 am–noon
Phone:(651) 225-2700
Toll Free:(800) 223-2801
Fax:(651) 779-9486

City County Credit Union – Final Thoughts

This is a fine looking credit union in Minnesota. Your likelihood of running into any of the fees mentioned for their iSavings account is probably pretty low. Especially if you also have a credit card that does most purchases, then you’ll never run into the 50 transaction limit.

City County Credit Union has been serving the Twin Cities metro area for a long time. I’m sure that they will also be around in another 90 years from now, too.

All information in this article was current at the time of this writing, however, it could change without notice. We do our best to keep these updated, however, there is no guarantee you will find the same information on the bank or credit union’s website or at the time of opening an account with them.

Bob Buckley

Bob Buckley writes about food and business.