Why join?

The advantages of credit union membership.

Credit unions are member-owned, not-for-profit financial cooperatives – which means member service is the main focus of a credit union. We exist for you and because of you.

We offer substantial savings over other financial institutions. You could save hundreds – and perhaps thousands – of dollars each year by using Mill City Credit Union services rather than a for-profit commercial bank. As a member-owned financial institution, Mill City Credit Union returns operating profits to our members.

You will enjoy:

  • Lower loan rates
  • Higher savings rates
  • Lower and fewer fees
  • Personal attention
  • Free Mobile + online banking, Bill Pay + eBills
  • Access to over 100,000 surcharge-free ATMs – more than most large banks
  • And many other convenient services

Mill City Credit Union is a member-owned financial cooperative helping its 21,000+ members achieve their financial goals. Anyone who lives or works in Minnesota counties Carver, Hennepin, McLeod, Meeker, and Wright, as well as General Mills employees, retirees, and their family members nationwide can become a member by opening an account or applying for a low-rate loan. Mill City maintains four metro Minnesota branches, as well as General Mills plant branches in Cedar Rapids, Iowa; Belvidere, Illinois; Hannibal, Missouri; and Murfreesboro, Tennessee.