610 So Broadway Ave
Albert Lea, MN 56007
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Trades & Labor is an NCUA insured institution located in Albert Lea, MN. It was founded in 1958 and has approximately $22.9 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 24674 |
| Date Established | 1958 |
| Assets | $22.90 million |
| Loans | $14.65 million |
| Deposits | $19.37 million |
| Capital | $3.42 million |
Your Current Location: Minnesota, MN
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.20% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Your Current Location: Minnesota, MN
There are currently no loan rates available for Trades & Labor
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Below are Trades & Labor branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Shelbyville,Minnesota
TRADES & LABOR is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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The following ratios and data are available to help you better understand the financial condition of Trades & Labor. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
| Trades & Labor | U.S. Average |
|---|---|
| 1.75% | 6.78 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2025, Trades & Labor had $58,902 in non-current loans and $2,500 in owned assets. To cover these potential losses it had $3,418,192 in net worth and $87,171 in loans loss reserves. That gives it a Texas Ratio of 1.75%.
| Trades & Labor | U.S. Average |
|---|---|
| 14.93% | 14.48% |
Trades & Labor FCU has a net worth of 14.93% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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Last Update on September 29, 2026
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