Serving our members since 1936.


About Cities Credit Union

Cities Credit Union is a full-service financial institution based in Vadnais Heights, Minnesota serving the communities of Vadnais Heights, White Bear Lake, White Bear Township and Gem Lake.

Credit unions are member-owned, member-governed and member-operated. Each member "invests" $5 in the credit union for membership. All members are eligible to serve on the board of directors and supervisory committee. Each member is given the privilege to elect their board members from the membership.

We offer all products and services that the big banks do--checking, savings, loans, mortgages, full-service teller counter--but we pride ourselves in having a personal touch. We know our members by name--after all, our members make up our Cities family framework.


Our routing/transit number is: 296076275

Brief history
Originally founded by Tri-State Telephone and Telegraph Company employees, the St. Paul Telco Credit Union was officially chartered on Oct. 5, 1936. The credit union was chartered to serve the financial needs of telecommunications employees and their families. Over the years, the credit union expanded to include several select employee groups in the St. Paul area.

In 1995, the membership approved a name change to Cities Credit Union to encompass the growing number of select employee groups.

In 1996, Cities opened a branch office in its current location off 35E and County Road E in Vadnais Heights.

In 2003, the Minnesota Department of Commerce amended the credit union's charter to open membership to the communities of Vadnais Heights, White Bear Lake, White Bear Township and Gem Lake. Cities extended membership to anyone who lives, works, worships or attends school in these communities.

In 2004, the downtown St. Paul office closed and all operations were moved to the Vadnais Heights office.

In July 2014, the charter was amended by the Minnesota Department of Commerce to include anyone who volunteers in our core four communities.

See membership qualifications

Management and staff
Mike Enright, President and CEO
Kristine Heuer, Vice President
April Stephenson, Manager of Operations
Janet Berg, Loan Officer and Member Services
Jerry Morri, Member Services Specialist
Katelyn Xiong, Member Services Specialist

Board of Directors
Dan Pederson
Jim Walker
Tom Brockway
Joanie Siegfried
James Arth

Supervisory Committee
Mike Peterson
Bob Bieniek
Melissa Rippie



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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