Savings Accounts

Reach your goals with an account fit for you.

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Save for a rainy day, your child’s education or retirement with a City & County Savings Account. Regardless if you prefer out-of-mind, out-of-sight savings or like to track every penny, we have an account that’s fit for your saving style.

Primary Savings Account

A Primary Savings Account (PSA) establishes your membership at City & County Credit Union. Your account earns a dividend, which is declared at the end of the quarter. 

  • Minimum Balance: $5
  • Perfect account for a basic savings

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For those who do not want to earn interest on a savings account, you can open a Non-Interest Primary Savings Account.

Open Primary Savings
Youth Account

Daily Interest Savings

The Daily Interest Savings account is perfect if you wish to have a savings account for a specific purpose. Reach your goal with a little extra speed by earning interest.

  • No minimum balance
  • Interest accrues daily, paid quarterly

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Open Daily Interest

Automatic Savings

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

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Open Auto Savings

Money Market

Money market savings are perfect for the saver who wishes to earn a higher rate of interest while maintaining a higher minimum balance. This is a great option for your emergency fund as you have immediate access to cash with the extra interest boost.

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

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Money Market

Certificate of Deposit (CD)

A CD is a safe investment that allows you to earn a higher interest rate while securing your funds for a set amount of time. CDs have various terms & interest repayment options based on your goals.

  • Minimum balance: $1,000 ($100 for ages 17 and younger)

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TIP – To open a CD, please visit us in person or call us at (800) 223-2801.

Certificates of Deposit

Health Savings Account (HSA)

An HSA is a tax-advantaged account designed to help you pay and save for qualified medical expenses. An HSA must be paired with a High Deductible Health Plan (HDHP) and offers an alternative to high-premium health plans.

  • Tax-deductible contributions
  • Interest & investments grow tax-free
  • Accessible with a debit card for convenient purchasing

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Health Savings Accounts

Individual Retirement Account (IRA)

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 2024 tax year.

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Contact Us

Safe Deposit Boxes

Safe deposit boxes can provide you with peace of mind knowing that your documents and other irreplaceable information is in a secure location. You can obtain a safe deposit box through CCCU at our Saint Paul or Lake Elmo branch.

Safe Deposit Box Info

Investment Solutions

To create a savings plan that includes investing, work with Servion Financial Advisors, City & County’s Investment Partner. They work with you every step of the way to create a personalized plan.

  • Retirement Planning
  • College Planning
  • Estate Planning
  • Asset Allocation
Learn More

Not sure what savings account is a fit for you & your goals? Contact us to create a plan with help from our Member Experience Team. 

Not A Member Yet? Think Pink And Thrive

When you join City & County Credit Union, you're not just opening an account - you're becoming part of a movement that puts people first, dreams big, and dares to be different.

Mary B.

"I’ve been a member of City & County Credit Union for many years, more than I can count. I’ve been retired for 15 years already! During my work life the Credit Union helped me refinance my mortgage, enabling me to put new doors and windows in my house. Over the years I learned how easy it was to save, and recently put maintenance free siding on my St. Paul home. They made it easy for me to get a Home Equity line of credit. Knowing I have funds available is peace of mind. I’d say CCCU is an important part of my life and has helped me to live a comfortable retirement."

Mary B.

Member Since 1978

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