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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Minnco Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 22, 2026
Minnco Credit Union's CDs - 24 month rates are at 4.00%, CDs - 30 month rates are at 3.90%, CDs - 36 month rates are at 3.90%, CDs - 18 month rates are at 3.85%, CDs - 12 month rates are at 3.75%. Minnco Credit Union's savings rates are at 1.25%. Minnco Credit Union's money market rates are at 1.25%. Minnco Credit Union's checking rates are as high as 4.50%. Minnco Credit Union's Personal Loan Rates are as low as 8.49%. MonitorBankRates evaluates the financial stability of Minnco Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.50%. Rates last updated and verified on 10/22/2026. Minnco Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Minnco Credit Union? Share your experience about Minnco Credit Union by leaving a review below, or read customer reviews before you decide to use Minnco Credit Union. Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Minnco Credit Union CD Rates
Minnco Credit Union Savings Rates
Minnco Credit Union Money Market Rates
Minnco Credit Union Checking Rates
Minnco Credit Union Business Checking Rates
Minnco Credit Union Home Equity & HELOC
Minnco Credit Union Auto Loan Rates
Minnco Credit Union RV, Boat and Powersport Loan Rates
Minnco Credit Union Personal Loan Rates
Minnco Credit Union Other Rates
Financial Health HistoryMinnco Credit Union’s Texas Ratio rose from 1.82% in Q3 2023 to 2.50% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Minnco Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Minnco Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Minnco Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Minnco Credit Union
Website
https://minnco.com
Address
2215 3rd Ave NE,
Cambridge, MN 55008
Phone
763-689-1071
Fax
President
Jerry Schleicher
CEO
Doug Hallstrom
Full-Time Employees
110
Part-Time Employees
8
Branch Locations
8
ATM Locations
8
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.50%
Return on Assets (ROA)
0.4545%
Return on Equity (ROE)
4.5697%
Non-Performing Loans Ratio (NPL)
0.44%
Total Assets
604,675,671
Total Amount of Shares and Deposits
530,620,978
Total Shares and Deposits < 1 Year
522,971,035
Total Shares and Deposits 1 3 Years
5,780,653
Total Shares and Deposits > 3 Years
1,869,290
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
43,122,915
Total Uninsured Shares and Deposits > $250K (F+J)
43,122,915
Total Insured Shares and Deposits > $250K (item 17 less item K)
487,498,063
Total Interest Expense (Sum of items 6 8)
4,813,215
Share Certificates
3,917
Number of Accounts for Share Drafts
27,744
IRA KEOGH Accounts
1,503
Number of Accounts for Regular Shares
44,803
All other shares
502
Money Market Shares
1,493
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
23,793,050
Total Liabilities
555,479,963
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Minnco Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Minnco Credit Union
Frequently Asked Questions About Minnco Credit UnionDoes Minnco Credit Union offer CDs?Yes. Minnco Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from Minnco Credit Union NCUA insured?Yes. Minnco Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Minnco Credit Union?The highest CD rate MonitorBankRates has verified for Minnco Credit Union is 4.00% APY on its CDs - 24 month, as of October 22, 2026. What CD terms does Minnco Credit Union offer?The Minnco Credit Union CD terms we track include 12 month, 18 month, 2 year, 30 month, 3 year and 5 year terms, with rates from 3.75% to 4.00% APY. The institution may offer other terms or specials that are not listed here, so check with Minnco Credit Union for its full lineup. What is the highest savings rate at Minnco Credit Union?The highest savings rate MonitorBankRates has verified for Minnco Credit Union is 1.25% APY on its Health Savings Account, as of October 22, 2026. What is the highest money market rate at Minnco Credit Union?The highest money market rate MonitorBankRates has verified for Minnco Credit Union is 1.25% APY on its Money Market, as of October 22, 2026. What is the highest checking rate at Minnco Credit Union?The highest checking rate MonitorBankRates has verified for Minnco Credit Union is 4.50% APY on its High Yield Checking, as of October 22, 2026. What is the lowest auto loan rate at Minnco Credit Union?The lowest auto loan rate MonitorBankRates has verified for Minnco Credit Union is 4.24% APR on its Auto and Truck Loans, as of October 22, 2026. What is the lowest personal loan rate at Minnco Credit Union?The lowest personal loan rate MonitorBankRates has verified for Minnco Credit Union is 8.49% rate on its Personal: 2 years Loan, as of October 22, 2026. How many branches does Minnco Credit Union operate?Minnco Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Minnco Credit Union?Yes, to access services at Minnco Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Minnco Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Minnco Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Minnco Credit Union offer online and mobile banking?Most modern institutions like Minnco Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://minnco.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Minnco Credit Union rates compare?Minnco Credit Union's top rates are 4.00% APY on its CDs - 24 month, 1.25% APY on savings, 1.25% APY on money market, 4.50% APY on checking and personal loans from 8.49% APR, verified by MonitorBankRates on October 22, 2026. To compare Minnco Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country. Current Minnco Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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