|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Trades & Labor Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 6, 2026
Trades & Labor Federal Credit Union's savings rates are at 0.25%. Trades & Labor Federal Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Trades & Labor Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.30%. Rates were last updated on 04/06/2026. Trades & Labor Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Trades & Labor Federal Credit Union? Share your experience about Trades & Labor Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Trades & Labor Federal Credit Union. Trades & Labor Federal Credit Union
TRADES and LABOR FCU 610 S BROADWAY AVE
https://www.tradesandlabor.com ALBERT LEA, MN 56007 4526 
Trades & Labor Federal Credit Union Savings Rates
Trades & Labor Federal Credit Union Checking Rates
Trades & Labor Federal Credit Union Home Equity & HELOC
Trades & Labor Federal Credit Union Credit Card Rates
Trades & Labor Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Trades & Labor Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Trades & Labor Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Trades & Labor Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Trades & Labor Federal Credit Union
Website
https://www.tradesandlabor.com
Address
610 S BROADWAY AVE,
ALBERT LEA, MN 56007 4526
Phone
507-377-1863
Fax
507-377-0116
President
PAUL NIELSEN
CEO
Bradley Skinness
Full-Time Employees
5
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.30%
Return on Assets (ROA)
1.3954%
Return on Equity (ROE)
9.4382%
Non-Performing Loans Ratio (NPL)
0.95%
Total Assets
21,996,615
Total Amount of Shares and Deposits
18,589,865
Total Shares and Deposits < 1 Year
17,973,647
Total Shares and Deposits 1 3 Years
612,462
Total Shares and Deposits > 3 Years
3,756
Total Insured Shares and Deposits > $250K (item 17 less item K)
18,589,865
Total Interest Expense (Sum of items 6 8)
163,941
Share Certificates
169
Number of Accounts for Share Drafts
1,261
IRA KEOGH Accounts
47
Number of Accounts for Regular Shares
2,743
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
3,121,606
Total Liabilities
18,744,552
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Trades & Labor Federal Credit UnionIs Trades & Labor Federal Credit Union a safe place to deposit money?Yes, Trades & Labor Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.2959499862088%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Trades & Labor Federal Credit Union operate?Trades & Labor Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Trades & Labor Federal Credit Union?Yes, to access services at Trades & Labor Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Trades & Labor Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Trades & Labor Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Trades & Labor Federal Credit Union offer online and mobile banking?Most modern institutions like Trades & Labor Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.tradesandlabor.com. Current Trades & Labor Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Banner Federal Credit Union
UFirst Federal Credit Union
Crayola LLC Employees Federal Credit Union
Jefferson Financial Federal Credit Union
Legacy Financial Federal Credit Union
Parlin Dupont Employees Federal Credit Union
Chicago Avenue Garage Federal Credit Union
Froid Federal Credit Union
Tri County Credit Union Grinnell, KS
Maine State Credit Union
RAH Federal Credit Union
Campus Usa Credit Union
FFE Federal Credit Union
Syracuse Fire Department Employees Federal Credit Union
Central Willamette Credit Union
MERCER COUNTY COMMUNITY
HMSA Employees Federal Credit Union
Inspire Federal Credit Union
Members Advantage Credit Union
Fort Sill Federal Credit Union
Tri County Credit Union Marinette, WI
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
