Credit union · NCUA insured
Trades & Labor FCU Credit Card Rates
Trades & Labor FCU credit cards start at 12.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Trades & Labor FCU’s credit card rates compare
Compared with banks and credit unions near Albert Lea, MN, where Trades & Labor FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Trades & Labor FCU
12.90%APR
VISA Classic
Lowest rate
Accentra Credit Union
9.90%APR
3rd-lowest rate
United Employees Credit Union
13.90%APR
Trades & Labor FCU credit card score
67
Credit card score
Higher than 20% of U.S. banks and credit unions
- Purchase APRPurchase APR12.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Trades & Labor FCU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Classic
Must be 21 for a card on your own or at 18 with a qualified adult. Credit limits based on credit worthiness. Fixed rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Fixed rate remains the same no matter how the card is used. No cash advance fees. Rate is 12.9% APR with no annual fee. |
VISA Platinum
Must be 21 for a card on your own or at 18 with a qualified adult. Credit limits based on credit worthiness. Fixed rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90% | None | For credit scores of 700 or more. Fixed rate remains the same no matter how the card is used. No cash advance fees. |
Sources (1)
- tradesandlabor.com/lending.php · captured Oct 7, 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This may be incomplete or out of date, so check with the credit union before you apply.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.