Savings Accounts

Find the right savings fit for your goals.

Nowadays there are so many different ways to save... Money Markets, IRA, Health Savings Accounts, and the list goes on and on. Thankfully, CMCU has your back with a variety of savings accounts that fit any need. Plus, savings accounts are like potato chips, you can't have just one!

Check out the various savings accounts you can choose from and you may even be able to get started by applying totally online!


Calculate Your Savings

Initial Investment (optional):
Deposit Frequency:
Deposit Amount:
Annual Interest Rate:
Number of Years:
Future Value:
Interest Earned:

Personal Savings

A simple savings account fit for everyone.

  • No minimum balance or penalties
  • Earns dividends - Click for rate information
  • Access account information and transfer funds using internet or mobile banking
  • Can be used for overdraft protection on your CMCU checking account
Family saving together
Grow your money with a money market account.

Money Market

It's a savings account with higher dividends! The more you deposit, the higher your return.

  • Seven rate tier levels that earn you higher dividends as you deposit more money - Click for rate information
  • $2500.00 is required to open an account, that balance does not need to be maintained
  • No monthly fees or penalties
  • Can be used for overdraft protection on your CMCU checking account

My Goal Savings

A savings account centered on your goals! A "My Goal Savings" account allows you to create a reserved fund geared towards a specific life event or goal.

  • Create an automated deposit based on your budget and schedule which can change throughout the term of the account
  • Monthly deposits must total $20 - $400
  • Earns higher dividends than a Personal Savings account - Click for rate information
  • Maturity date is one year from open date with the ability to set the date earlier. You have the ability to "catch-up" the deposit amount if you set an earlier maturity date on the day of account opening.
  • Ability to open an unlimited number of goal accounts

Ideas for a My Goal Savings Account

  • Holidays
  • House down payment
  • Renovations
  • New car
  • Vacation
  • Baby
  • Wedding
  • College
  • Graduation or Anniversary Party
  • Emergency Fund
  • Payoff Debt
  • Fun Money
Save your change electronically

Save the Change

It's like an electronic coin jar! CMCU debit card purchases are automatically rounded up to the next whole dollar amount and are transferred from checking into this account. Save conveniently and watch your savings grow!

  • Enroll in Internet Banking and eStatements and earn 1/2 percent higher dividend rate - Click for rate information
  • No monthly fees or penalties
  • No minimum or maximum balance
  • Withdraw funds at anytime without losing dividends
  • Can be used for overdraft protection on a CMCU checking account

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.

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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

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

(888) 330-8482

Additional Savings Accounts

Youth Savings

Youth Savings

Kids can start saving while earning prizes with each birthday and deposit! Learn more about kids savings accounts.

Learn More


Put your money into a higher yielding certificate account. Your money is safe and secure with a variety of terms.

Learn More
Health Savings Accounts

Health Savings

Save for health expenses while earning tax-free dividends. Now earn even more money with no service fee!

Learn More


Plan for retirement with IRA accounts and other retirement planning accounts. Open an account or work with an advisor.

Learn More


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

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