Consumer Accounts

CMCU offers accounts for any financial needs.

We understand you have financial goals that may be unique to your situation. Our checking and savings accounts provide you balance in more ways than just your bank account. With convenient features and flexibility, our accounts can help you reach balance in your bank accounts and life.

Consumer financial accounts

Checking Accounts

Consumer checking accounts

Find the right free checking account suited for you and your lifestyle.


Savings Accounts

Consumer savings accounts

A variety of savings accounts meant for various financial goals; get started today.


Credit Card

consumer credit card

Cover day-to-day expenses or large purchases with one of our credit cards.


Your Perfect Financial Partner

Free checking icon

Free Checking

Our variety of checking accounts ensures you'll find the right free checking account fit for you and your financial goals.

Variety of accounts icon

Variety of Accounts

Everyone may have different savings goals, which is why we provide a variety of accounts to get you on track to reach your goals.

Digital banking icon

Access Wherever, Whenever

Accessing your accounts is a breeze through Digital Banking or the mobile app. Plus, open more accounts within Digital Banking if needed.

Get Started!

Apply online

Apply Online

New Members: Complete an application online.


Current Members: Apply in Digital Banking.


Visit a local CMCU branch

Local Branch

Central Minnesota Credit Union has 21 branches to serve you as well as access to 24,000 ATMs across the United States with MoneyPass.

View locations

Video chat with a CMCU team member

Video Banking

Talk to a CMCU team member virtually face-to-face. Learn More
Monday - Thursday: 8 AM - 5 PM
Friday: 8 AM - 6 PM
Saturday: 8 AM - 12 PM

Start Video CALL

Call us on the phone


Contact Center
Monday - Thursday: 8 AM - 6 PM
Friday: 8 AM - 7 PM
Saturday: 8 AM - 12 PM

(888) 330-8482

Additional Products and Services

Check out all of your other options you can utilize with CMCU's suite of products and services! Our team will work with you individually to ensure you're on track to reaching your financial goals.


From auto to mortgages and more.

Digital Banking

Manage your money on any device.

Financial Advisors

Set up your path to retirement or financial wellness.


Not a Member? Join us today!

  •  Wide variety of products
  • 21 convenient branch locations.
  •  Online and mobile banking
  •  24,000 ATM locations nationwide
  •  Award-winning institution
  •  Low interest rates on loans
  •  High interest rates on savings
  •  Free checking

become a member

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