RANKING ·
Lowest cost of shares and deposits in Minnesota
43 of 80 credit unions in Minnesota that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Cost of all shares and deposits, annualized for the quarter | Total assets |
|---|---|---|---|---|
| 1 | Hibbing Cooperative Credit Union | Hibbing, MN | 0.11% | $109 million |
| 2 | My Credit Union | Bloomington, MN | 0.74% | $366 million |
| 3 | Northwoods Credit Union | Cloquet, MN | 0.76% | $175 million |
| 4 | Accentra Credit Union | Austin, MN | 0.82% | $208 million |
| 5 | City & County Credit Union | Saint Paul, MN | 0.93% | $1.2 billion |
| 6 | Heartland Credit Union | Inver Grove Hei, MN | 1.02% | $172 million |
| 7 | Centricity Credit Union | Hermantown, MN | 1.06% | $341 million |
| 8 | Harbor Pointe Credit Union | Duluth, MN | 1.06% | $158 million |
| 9 | Building Trades Federal Credit Union | Maple Grove, MN | 1.07% | $250 million |
| 10 | Home Town Federal Credit Union | Owatonna, MN | 1.15% | $293 million |
| 11 | Sharepoint Credit Union | Bloomington, MN | 1.16% | $360 million |
| 12 | South Metro Federal Credit Union | Prior Lake, MN | 1.17% | $185 million |
| 13 | Minnco Credit Union | Cambridge, MN | 1.23% | $605 million |
| 14 | Novation Credit Union | Oakdale, MN | 1.34% | $244 million |
| 15 | Members Cooperative Credit Union | Duluth, MN | 1.35% | $1.2 billion |
| 16 | Expedition Credit Union | Mendota Heights, MN | 1.37% | $223 million |
| 17 | Trustar Federal Credit Union | International F, MN | 1.41% | $377 million |
| 18 | North Shore Federal Credit Union | Silver Bay, MN | 1.44% | $285 million |
| 19 | North Star Credit Union | Cook, MN | 1.44% | $116 million |
| 20 | First Alliance Credit Union | Rochester, MN | 1.47% | $358 million |
| 21 | Topline Financial Credit Union | Maple Grove, MN | 1.49% | $1.1 billion |
| 22 | Northern Communities Credit Union | Duluth, MN | 1.51% | $124 million |
| 23 | Red Wing Credit Union | Red Wing, MN | 1.52% | $208 million |
| 24 | Mayo Employees Federal Credit Union | Rochester, MN | 1.52% | $1.5 billion |
| 25 | Associated Healthcare Credit Union | Woodbury, MN | 1.56% | $176 million |
| 26 | Mid Minnesota Federal Credit Union | Baxter, MN | 1.59% | $858 million |
| 27 | St. Paul Federal Credit Union | Saint Paul, MN | 1.60% | $252 million |
| 28 | Northridge Community Credit Union | Virginia, MN | 1.60% | $113 million |
| 29 | Two Harbors Federal Credit Union | Two Harbors, MN | 1.66% | $118 million |
| 30 | Blaze Credit Union | Falcon Heights, MN | 1.76% | $4.8 billion |
| 31 | St. Cloud Financial Credit Union | Sartell, MN | 1.76% | $456 million |
| 32 | Minnesota Valley Federal Credit Union | Mankato, MN | 1.76% | $329 million |
| 33 | Minnesota Power Employees Credit Union | Duluth, MN | 1.78% | $162 million |
| 34 | Leading Edge Credit Union | Worthington, MN | 1.79% | $143 million |
| 35 | Affinity Plus Federal Credit Union | Saint Paul, MN | 1.80% | $5.0 billion |
| 36 | Ideal Credit Union | Woodbury, MN | 1.90% | $1.1 billion |
| 37 | Southpoint Financial Credit Union | Sleepy Eye, MN | 1.99% | $609 million |
| 38 | Magnifi Financial Credit Union | Melrose, MN | 2.00% | $2.8 billion |
| 39 | Brainerd B. N. Credit Union | Brainerd, MN | 2.10% | $128 million |
| 40 | Co-Op Credit Union of Montevideo | Montevideo, MN | 2.11% | $423 million |
| 41 | Trustone Financial Credit Union | Plymouth, MN | 2.32% | $6.1 billion |
| 42 | Crow Wing Power Credit Union | Brainerd, MN | 2.42% | $126 million |
| 43 | Greater Community Credit Union | Dawson, MN | 2.53% | $297 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings