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Personal Savings Accounts & Services

No matter your need, we have a savings account for you.

City & County Credit Union offers a variety of savings accounts to fit your individual and family goals whether you are just starting out, saving for your child's future or creating a nest egg for retirement. We'll help you find an account that meets your needs – contact us today to set up your savings account.

Open Savings Account View Rates join City & County

Share Savings

The share savings account establishes your City & County membership and represents your share as an owner of City & County Credit Union. Your account earns a dividend, which is declared at the end of each quarter. If the account is closed prior to the end of the quarter, the dividend is not paid.

  • Minimum balance: $5
Open Member Account

Daily Interest Savings

The daily interest savings account is perfect if you wish to have a savings account for a specific purpose.

  • No minimum balance
  • Interest accrues daily, paid quarterly
Open Daily Interest

Automatic Savings

Designed to help establish lifelong saving habits, the automatic savings account helps you boost your savings while earning a higher interest rate.

  • No minimum balance
  • 1 withdrawal per month allowed
  • $20 fee for additional withdrawals
  • Interest paid monthly
Open Auto Savings

Money Market Savings

Money market savings accounts are perfect for the saver who wishes to earn a higher rate of interest by maintaining the minimum balance.

  • Minimum balance: $2,500 (a fee is charged if you fall below $2,500)
  • Interest accrues daily, paid monthly
Open Money Market

Certificate of Deposit

A CD is a safe investment that allows you to earn a higher interest rate. CDs have various terms and interest repayment options.

  • Minimum balance: $1,000 ($100 for ages 18 and younger)
Request More Info

Savings Builder CD

Savings Builder CDs work towards a regular CD. Over the 12-month term*, you may add money to the balance as often as you wish. You may convert to a regular CD once your balance reaches $1,000.

  • Minimum balance: $100
  • Maximum balance: $5,000

*Penalty for early withdrawal is disclosed at the time you invest.

Request More Info


Individual retirement accounts 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. City & County also provides IRAs as certificates of deposit and regular deposit accounts. Contact us today to find the right IRA for you.

Submit this form to request IRA or HSA contributions for the 2022 tax year.

Safe Deposit Boxes

Safety deposit boxes can provide you with peace of mind knowing that your documents and other irreplaceable information is in one secure location, safe from fire, theft or loss. You can obtain a safe deposit box through CCCU at our Saint Paul and Lake Elmo offices. Learn more about our secure, convenient and accessible safe deposit boxes.

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