Account Options

Catholic United Financial Credit Union offers account options that assist every part of your financial life, from long-term savings to everyday expenses and everything in between. Ownership on your accounts can be individual, joint or in the name of your trust. Unlike many investments, the National Credit Union Administration (NCUA), a government agency, insures your credit union deposits to $250,000.

Savings Options

  • Membership Savings Account
  • Sub-Savings Account
  • Money Market Savings Account
  • Coverdell Education Savings Account
  • Certificates of Deposit (CDs)
  • Saving Saints Certificate

Checking Options

  • Checking Accounts
  • Checkcards

Checking Accounts

We offer a checking account with all of the convenience you expect.

  • Earn dividends on average daily balances over $500
  • No monthly fee
  • No minimum balance
  • No per check fees

The following services add even more convenience to your Catholic United Financial CU checking account:

  • Line of Credit (overdraft protection)
  • Online Banking
  • ATM Card
  • Visa Check Card
  • Direct Deposit/Automated payments
  • Flexible Online Bill Pay



Savings Accounts and Options



Membership Savings Account

Your membership savings account establishes your membership in the credit union when you maintain the minimum balance of $10. This account provides complete safety and convenience. Dividends are declared and paid monthly on the average daily balance. Your account number serves as your primary member number.

  • $10 minimum balance
  • Funds available anytime (on collected funds)
  • No monthly fees
  • Monthly dividends



Sub-Savings Account



You may open additional savings accounts to help save for Christmas, taxes, vacation or whatever you need.

  • Complete liquidity
  • No minimum balance
  • No monthly fees
  • Monthly dividends



Money Market Savings Account



For members who have larger savings balances but want to keep their funds liquid, Catholic United Financial CU now offers a Money Market Savings Account.Dividends are paid monthly on the daily balance.

  • $3,000 minimum balance
  • Higher dividend rates
  • Tiered rates at $10,000, $25,000 and $50,000
  • Funds available anytime (on collected funds)
  • No monthly fees
  • Monthly dividends



Coverdell Education Savings Account



The Coverdell Education Savings Account (formerly the Education IRA) is a tax-deferred account to encourage taxpayers to save for educational expenses. When used for qualified expenses, the earnings on this account are tax-free.



Certificates allow you to earn higher rates on your savings by investing your funds for set periods of time. Certificates are available for terms from six months to 4 years. Click here to view the most current rates offered for certificates.

  • Minimum balance of $1,000
  • Competitive rate
  • Quarterly dividends



Saving Saints Youth Certificate



The Youth Certificate is a special youth program designed to teach children & teens the importance of saving for the future.

  • Low minimum balance of $200
  • Six-month term
  • Deposits accepted anytime during the term
  • Competitive rate
  • This Certificate is only for those children and teens under the age of 18.

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3499 Lexington Ave N, St. Paul, MN
1420 W St. Germain St, St. Cloud, MN