Credit union · NCUA insured
Austin City Employees Credit Union
A $11.5M credit union headquartered in Austin, MN, with 777 members and 1 branch in Minnesota. Best rates: CDs 2.00% and savings 0.25% APY.
Austin City Employees Credit Union Carrot Score
74
Carrot Score
Higher than 37% of U.S. banks and credit unions
#2 of 6 in Austin, MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Austin City Employees Credit Union
Austin City Employees Credit Union is headquartered in Austin, Minnesota.
- Headquarters
- 711 4th Ave NE, Austin, MN 55912
- NCUA charter
- 64186
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees who work for Austin Utilities are eligible to join.
Military, government and schools
- Employees who work for the City of Austin are eligible to join.
- Employees who work for Austin Public School District #492 are eligible to join.
Family and household
- Individuals related to a current member by blood, adoption, or marriage are eligible to join, regardless of where they live and work.
Branches
1 branch in Minnesota
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Minnesota
1 branch
- AcecuMain office711 4th Ave NE, Austin, MN 55912Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 19.09% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.87% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $71 | $59 | — |
- CapitalNet worth ratio19.09%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.87%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$71Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Austin City Employees Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.