Credit union · NCUA insured
Building Trades Credit Union Savings Rates
Building Trades Credit Union’s best savings rate is 0.45% APY on $10,000, with its Advantage Savings. Rates checked October 16, 2026.
How Building Trades Credit Union’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Building Trades Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Building Trades Credit Union
0.45%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $45
Advantage Savings
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Building Trades Credit Union savings score
77
Savings score
Higher than 43% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0001.01%
- QualifiedQualified0.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Building Trades Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
Up to 3.04%APY
Membership is required and available to members/employees of eligible unions and affiliated groups, their immediate family, and household members. Dividends are compounded monthly, calculated daily, and paid monthly. Balances falling below $50,000 do not earn dividends and may incur a monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 and upMinimum balance to earn interest is $50,000.00. | 0.75% | — | Minimum balance to earn interest is $50,000.00. |
| $100,000 and up | 1.01% | — | |
| $250,000 and up | 1.51% | — | |
| $500,000 and up | 2.27% | — | |
| $1,000,000 and up | 3.04% | — |
Sources (3)
- buildingtradescu.com/are-you-eligible
- buildingtradescu.com/cubase-rates
- buildingtradescu.com/savings-accounts
All captured Sep 18, 2026
Advantage Savings
0.45%APY
Tiered rate savings account. Monthly service fee of $20 applies if balance falls below the minimum required balance of $2,500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Dividends calculated daily, compounded monthly, and paid monthly. Monthly fee of $20 applies if balance falls below minimum. | 0.40% | — | Dividends calculated daily, compounded monthly, and paid monthly. Monthly fee of $20 applies if balance falls below minimum. |
| $10,000 – $50,000Dividends calculated daily, compounded monthly, and paid monthly. Monthly fee of $20 applies if balance falls below minimum. | 0.45% | $45 | Dividends calculated daily, compounded monthly, and paid monthly. Monthly fee of $20 applies if balance falls below minimum. |
| $50,000 – $100,000Dividends calculated daily, compounded monthly, and paid monthly. Monthly fee of $20 applies if balance falls below minimum. | 0.50% | — | Dividends calculated daily, compounded monthly, and paid monthly. Monthly fee of $20 applies if balance falls below minimum. |
| $100,000 and upDividends calculated daily, compounded monthly, and paid monthly. Monthly fee of $20 applies if balance falls below minimum. | 0.60% | — | Dividends calculated daily, compounded monthly, and paid monthly. Monthly fee of $20 applies if balance falls below minimum. |
Sources (2)
All captured Sep 18, 2026
Labor Saver
0.10%APY
Required for membership; initial deposit of $25 represents member share in the credit union. Balances below $300 do not earn dividends and may incur a monthly fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upDividends calculated daily and compounded quarterly. Minimum opening deposit is $25. Balances below $300 do not earn dividends.$300 and up | 0.10% | $10 | Dividends calculated daily and compounded quarterly. Minimum opening deposit is $25. Balances below $300 do not earn dividends. |
Sources (2)
All captured Sep 18, 2026
Secondary Savings
0.10%APY
No limit on number of additional savings accounts. Balances below $300 do not earn dividends and may incur a monthly fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upDividends calculated daily, compounded quarterly, and credited quarterly. No minimum opening deposit.$300 and up | 0.10% | $10 | Dividends calculated daily, compounded quarterly, and credited quarterly. No minimum opening deposit. |
Sources (2)
All captured Sep 18, 2026
Who can join Building Trades Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- A person who retired while in the field of membership remains eligible for membership.
- Membership is open to members or employees of eligible unions or affiliated groups.
Family and household
- Membership is open to immediate family members and household members of eligible persons.
- Membership is open to the spouse of a person who died while eligible for membership.
Cost to join
- A Labor Saver savings account is required for membership.
Membership information collected October 4, 2026.