Central Minnesota Credit Union


Central Minnesota Credit Union was built from the ground up by its members since 1939. The credit union was chartered in Melrose under the philosophy of ‘people helping people’. Every member is an owner and dividends are returned through better rates on savings and loans and lower fees. Your Board of Directors is made up of local members who were elected and volunteer their time.

As a member-owned organization, our vision is enhancing the lives of members and community through strength, service and growth. CMCU has always been willing to go the extra mile and work with members’ requests. We are committed to serving our communities by sponsoring events, volunteering and contributing to local organizations. These commitments are the foundation of your credit union, the reason for our success and why we remain financially strong.

HSA Program Features

FDIC or NCUA Insured:
  • Debit Card
  • Checks
  • Online Banking

HSA Interest Rates

Interest rates for various balance tiers
$0 - $2,499 0.10% APY
$2,500 - $9,999 0.15% APY
$10,000 - $24,999 0.25% APY
$25,000 - $49,999 0.30% APY
$50,000 - $99,999 0.35% APY
$100,000+ 0.35% APY
Last checked on: 02-18-2022. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee $0.00
Account Opening Fee Unknown
Account Closing Fee Unknown

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: close   CDs: close   Other: close

Contact Information

General Information

Address 20 4th Ave SE
Melrose, MN 56352

Customer Service

Phone Number 1-888-330-8482