background of Stone Arch Bridge

Welcome to Mill City

Why join?

The advantages of credit union membership.

Credit unions are member-owned, not-for-profit financial cooperatives – which means member service is the main focus of a credit union. We exist for you and because of you.

We offer substantial savings over other financial institutions. You could save hundreds – and perhaps thousands – of dollars each year by using Mill City services rather than a for-profit commercial bank. As a member-owned financial institution, Mill City returns operating profits to our members.

What’s in it for you

ATM access, lower loan rates, mobile deposit, higher dividends


  • Lower and fewer fees
  • Personal attention
  • Free Mobile + online banking, Bill Pay + eBills
  • Access to over 100,000 surcharge-free ATMs – more than most large banks
  • And many other convenient services

Mill City is a member-owned financial cooperative helping its 60,000+ members achieve their financial goals. Anyone who lives or works in Minnesota counties Carver, Hennepin, McLeod, Meeker, Wright, Ramsey, Washington or Dakota, as well as General Mills employees, retirees, and their family members nationwide can become a member by opening an account or applying for a low-rate loan. Mill City maintains five metro Minnesota branches, as well as General Mills plant branches in Cedar Rapids, Iowa; Hannibal, Missouri; and Murfreesboro, Tennessee.