Central Minnesota Credit Union (CMCU) of Melrose, Minnesota has been in operation for more than 75 years, currently from 18 locations. It is considered a state-chartered natural person credit union. By number of members, it is the 7th largest in Minnesota and it has the 4th fastest growing membership in Minnesota. It also is the seventh largest in the state by assets. It has the third fastest growing assets in Minnesota.
Checking services include no cost share drafts, share certificates with low minimum balance requirements, bill pay services and overdraft lines of credit. Debit cards and prepaid debit cards are available.
For members needing to establish credit, the credit union offers micro consumer loans. Financial education and financial literacy workshops are among the capabilities they offer.
Besides auto loans and other kinds of loans, CMCU can do real estate loans, has a first time homebuyer program and can grant interest only or payment option first mortgage loans. Convenience services include check cashing, low-cost wire transfers and money orders. Central Minnesota CU members may also benefit from student scholarships and tax refund loans.
Services to businesses and professionals include business share accounts, business loans, indirect business loans, merchant processing services/payment processing, micro business loans, mortgage processing and the credit union is an approved mortgage. People having other financial, savings, and investment needs will want to consider health savings accounts and insurance/investment products that are offered.
Available electronic access to CMCU includes Internet account access, bank by phone and wireless phone apps. Any time, anywhere, you can apply for membership, take out a loan, look at your balance, order share drafts, setup a new share account, make loan payments, check previous transactions, transfer money, automate your bill payments, download your account history, view electronic statements, capture remote deposits and make payments via smartphone.
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Online newspapers and TV stations serving Melrose and Minnesota: St. Cloud Times, USA Today, or view a national listing of newspapers.
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