Cities Credit Union, an 80-year-old financial cooperative (not-for-profit) institution, has been in Vadnais Heights for 20 years. Voluntarily owned and operated by its members, Cities promotes financial thrift by encouraging members to save, secure good rates on savings and loans, and many other services … all the same services of the big banks but more personalized, as its eight employees know their members by name and treat them like family.

Cities says, “Our success is your success and we are proud to be making a difference in the lives of our members and their communities.” Some of the ways Cities has served its communities include its support of the following: Vadnais Heights and White Bear Lake Lions Clubs; Meals on Wheels; Marketfest; VHEDC goals and events; White Bear Lake Relay for Life; Second Chance Animal Shelter; White Bear Lake Area Educational Foundation; and Century College’s student loan program.

Banks and credit unions offer many of the same services; the difference is credit unions are not-for-profit financial cooperatives, whose earnings are paid back to members in the form of higher savings rates and lower loan rates. Banks are for-profit corporations, with declared earnings paid to stockholders onl

Cities Credit Union services include: 

  • Licensed car broker services
  • Student loan programs
  • Thousands of fee-free ATMs
  • Exceptional bill-paying services
  • PopMoney and money transfers
  • Free “Ask Auto” app (car purchasing)
  • Free checking
  • Free mobility phone app
  • Free Remote Deposit Capture
  • Great loan rates
  • Visa U-Choose Rewards
  • CD specials and rewards
  • Free Notary and Medallion stamps
  • Reloadable cards and travel cards