Get the money you need when you need it.


Personal and Signature Loans

Cities offeres unsecured (not backed by collateral) loans to members. Perfect loan for debt consolidation, a new computer or personal expenses (ex: engagement ring, wedding expenses, a new stove, etc.). Certain restrictions apply.


Holiday (Personal) Loans (offered from 11-1-2020 through 1-31-2021)

  • Borrow up to $1,500
  • 12-month term
  • 3.99% APR on approved credit (credit score of 640+. Otherwise rate is 9.99% APR)

Signature (Personal) Loans

  • Available for 12 - 48 months (certain restrictions and qualifications apply)
  • Terms and rates based on credit and need
  • Fixed amount, single disbursal of funds
  • Apply now
Personal Loans (effective date: 5-1-19)
Term Annual Percentage Rate 
36 months 8.25% - 17.75%
48 months8.74% - 17.75%

Checking Lines-of-Credit

  • Qualified borrowers with a Cities checking account can request a line of credit of up to $2,500 for overdraft protection
  • Rates range from 9.99% - 18.00% APR (depending on credit score)
  • Provides on-demand funds (use when you need it)
  • Payments are automatically transferred from your checking account on the 28th of each month
  • Apply now

Share-Secured or Certificate-Secured Loans

  • Loans secured by share account deposits or your certificates 
  • The term and amount are arranged to meet your individual needs
  • The interest rate charged is 3% over your certificate
  • Apply now
 Cities Credit Union NMLS ID # 409685




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3625 Talmage Circle, Suite 102
Vadnais Heights, MN 55110

Phone: (651) 426-3773  |  Fax: (651) 426-0832  |  Toll-Free: 1-800-543-0935

NMLS ID#409685  |  Routing# 296076275