Business Details
50+ Years
experience
Financial Solutions for Building Trades Professionals
Building Trades Credit Union has served the building and construction trades community since 1957, providing tailored financial solutions to union workers and their families. Our cooperative structure ensures members benefit from competitive rates, lower fees, and personalized services designed for the unique needs of tradespeople. With over $225 million in assets and three Twin Cities branches, we combine decades of industry expertise with modern digital tools like mobile banking and 24/7 online access. Governed by a volunteer board, our member-focused approach prioritizes transparency, accessibility, and long-term financial wellness.We offer comprehensive services including savings accounts, low-rate loans, credit cards, and bill pay solutions, while maintaining federal insurance up to $250,000 per account. Through Shared Branch partnerships, we provide nationwide access to over 5,000 credit union locations. Our commitment to the trades community extends to annual scholarship programs and specialized financial education resources.
Services
Savings Accounts
Checking Accounts
Auto Loans
Home Equity Loans
Credit Cards
Mobile Banking
Bill Pay Services
Wire Transfers
Shared Branch Access
Scholarship Programs
Details
- Year established: 1957
Highlights and features
- We specialize in financial services for building trades professionals since 1957
- Our member-owned structure returns profits through better rates and lower fees
- 24/7 online banking with mobile deposit and bill payment capabilities
- Exclusive access to Shared Branch network with 5,000+ nationwide credit union locations
- Personalized loan approvals with same-day processing available
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Savings Accounts
BTCU offers multiple savings options including Labor Saver, Secondary Savings, and Advantage Savings accounts. These accounts provide competitive interest rates with varying access levels to help members achieve financial goals. Our savings products combine security with flexibility for both short-term and long-term needs.
Auto Loans
We provide low-rate auto loans with competitive APRs starting at 4.89%. Our financing options include same-day approvals and discounts for automatic payments from BTCU checking accounts. Loans are available for new and used vehicles with flexible terms to suit different budgets.
Home Equity Loans
BTCU offers home equity loans starting at 5.84% APR for home improvement projects or debt consolidation. These fixed-rate loans provide predictable payments and potential tax advantages. We offer personalized consultations to determine appropriate loan amounts based on property value and financial situation.
Credit Cards
Our low-variable-rate Mastercards offer convenient payment options with rewards programs and online account management. Cards feature fraud protection, mobile wallet integration, and easy registration through eZCard Info. We provide competitive rates starting at 15.50% APR.
Mobile Banking
BTCU's mobile app enables 24/7 account access with features like mobile deposit, bill pay, and real-time alerts. The app supports secure transactions, account monitoring, and easy access to customer service. Available on iOS and Android platforms with biometric login options.
Questions
Who is eligible for BTCU membership?
Eligibility extends to building trades union members, employees of affiliated groups, their families, and retirees. Immediate family members and household members of eligible individuals also qualify.
What loan products does BTCU offer?
We provide auto loans, home equity loans, personal loans, credit cards, and share-secured loans with competitive rates and same-day approval options available.
How can I access BTCU services remotely?
Our mobile banking app offers 24/7 access, including mobile deposit, bill pay, and account management. Shared Branch network access provides in-person service at 5,000+ locations nationwide.
Are my deposits insured at BTCU?
Yes, all deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), with additional protection through our financial stability as a member-owned cooperative.
What special benefits do BTCU members receive?
Members benefit from competitive rates, lower fees, scholarship opportunities, and personalized financial solutions specifically designed for building trades professionals and their families.
Reviews (4)
James Becker
Dec 12, 2020
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The telephone menu system doesn't give an option to speak with someone unless your question falls into 4 or 5 specific categories. I have a simple question that would take a few seconds to answer but I don't see a way to ask the question.......
Nichole Rolsing
Dec 24, 2019
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Horrible credit union. high intrest rates, dont care about their consumers well being, and if you are a day late from the grace period they report you 30 days late, even if u call ahead they will just say oh well there's absolutely nothing we will do for you. they dont care. they give snarky looks at you when you withdraw money, and are rude over the phone. if my husband's union didn't force us to use them, we would pull out in a heartbeat! and yes we are forced to use this credit union, because the union forces our vacation funds to go to this bank. and almost 15% interest rate on a vehicle loan
Jose Ortiz
Dec 23, 2019
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Very disappointed hot charge yo cajne one or the own checks and they tooked forever to do it, I won't ever come to this back ever again...
Colleen Gavin
Sep 04, 2017
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Horrible policy on lien release especially when paid in full with guaranteed monies. 10 days is rediculous....
