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.