Credit union · NCUA insured
Trades & Labor FCU CD Rates
Trades & Labor FCU’s best CD rate is 3.50% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 16, 2026.
How Trades & Labor FCU’s CD rates compare
Compared with banks and credit unions near Albert Lea, MN, where Trades & Labor FCU has the most branches. $10,000, best rate first.
This credit union’s best
Trades & Labor FCU
3.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $350
Share Certificates
Top rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Trades & Labor FCU CD score
68
CD score
Higher than 20% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.00%
- QualifiedQualified3.50%
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 Trades & Labor FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.50%APY · 3 terms
Dividends are compounded daily and paid at maturity. Insured by NCUA up to $250,000. Early withdrawal penalties apply.
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 2.25% | — | 2.25% | $112 |
| 6 monthsJumbo certificate | — | 3.00% | 3.00% | $149 |
| 12 months | 3.00% | — | 3.00% | $300 |
| 12 monthsJumbo certificate | — | 3.50% | 3.50% | $350 |
| 24 months | 2.00% | — | 2.00% | $404 |
| 24 monthsJumbo certificate | — | 3.00% | 3.00% | $609 |
Special-purpose accounts
IRA Certificates
Up to 3.50%APY · 2 terms
Early withdrawal penalties apply. Rates subject to change at any time.
| Term | APY · $500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 3.00% | — | 3.00% | $300 |
| 12 monthsJumbo IRA certificate | — | 3.50% | 3.50% | $350 |
| 24 months | 2.25% | — | 2.25% | $455 |
| 24 monthsJumbo IRA certificate | — | 3.00% | 3.00% | $609 |
Sources (1)
- tradesandlabor.com/rates.php · captured Sep 18, 2026
Who can join Trades & Labor FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school within certain underserved areas of Albert Lea is eligible for membership.
Employers and groups
- Employees and their families of Streaters under contract with Carpenters Local 766 are eligible.
- Employees and their families of ALAMCO Wood Products, Wells Concrete, and Waste Systems are eligible.
- Employees and their families of Mayo Clinic under contract with SEIU Mayo are eligible.
- Employees and their families of Dave Syverson Ford, Motor Inn Company, and Vern Eide Motors under contract with United Auto are eligible.
- Employees and their families of groups under contract with UFCW Local 6 (Ventura Foods, Cargill, Albert Lea Select Foods, Minnesota Freezer, Birds Eye Foods in Waseca, Lakeside Foods in Owatonna, Smithfield Meats in Mason City) are eligible.
2 more ways to join
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparents, grandchild, or step-family members) of members are eligible.
- Persons living in the same household (defined as living in the same residence maintaining a single economic unit) as an eligible member are eligible.
Membership information collected October 4, 2026.