--- title: "Austin City Employees Credit Union Rates (Nov 2026): CDs to 1.50%" description: "Austin City Employees Credit Union has the lowest tracked personal loan rate in Minnesota (12.00% APR) among 25 credit unions we verify. Austin City Employees Credit Union rates today: savings & CDs up to 1.50% APY, personal loans from 12.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Austin City Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/minnesota/austin-city-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Austin City Employees Credit Union Rates (Nov 2026): CDs to 1.50% ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Closed End Loan** personal | 12.000% APR | 12.000% | — | Standard | Austin City Employees Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **6-Month Certificate** share_certificate_6mo | 1.00% APY | 1.00% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 1.50% APY | 1.50% | 12 mo | Standard | Austin City Employees Credit Union savings & cd rates as of November 12, 2026 ### Other rates 7 offers | Product | Published | Rate | Term / condition | Status | | **4 Yrs/48 Months/208 Weeks** other | 5.250% % | 5.250% | — | Standard | | **5 Years/60 Months/260 Weeks** other | 5.500% % | 5.500% | — | Standard | | **3 Years/36 Months/156 Weeks** other | 5.750% % | 5.750% | — | Standard | | **4 Years/48 Months/208 Weeks** other | 6.250% % | 6.250% | — | Standard | | **7 Years/84 Months/364 Weeks** other | 6.500% % | 6.500% | — | Standard | | **6 Years/72 Months/312 Weeks** other | 7.500% % | 7.500% | — | Standard | | **10 Years/120 Months/520 Weeks** other | 8.000% % | 8.000% | — | Standard | Austin City Employees Credit Union other rates as of November 12, 2026 Personal loan rates from 12% APR. Savings and certificate yields up to 1.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/minnesota/austin-city-employees) , verified from [Austin City Employees Credit Union's official website](https://www.austincityecu.org/) Best product position **#1 of 25** personal loan Gap to state best **0 bp** State market leader Vs. state median **348 bp behind median** personal loan Products ranked **1** across tracked Minnesota markets | Product | Published APR | Position | Vs. state best | Vs. state median | | personal loan | 12.00% | #1 of 25 · lowest in Minnesota | State market leader | 348 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Austin City Employees Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=austin-city-employees&state=minnesota&code=MN&name=Austin%20City%20Employees%20Credit%20Union) Loading branch locator… ## About Austin City Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 777 Assets $11.5M Founded 1953 Locations reported 1 NCUA charter 64186 Charter type Federally insured state-chartered credit union ### Services and member support - Electronic statements Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Mower County Catholic Parishes** Credit Union Office · Austin · MN · 55912 About 1.0 miles away](https://rateapi.dev/credit-unions/minnesota/mower-county-catholic-parishes) [**Accentra** Accentra Credit Union · Austin · MN · 55912 About 1.2 miles away](https://rateapi.dev/credit-unions/minnesota/accentra) [**United Employees** United Employees Credit Union · Albert Lea · MN · 56007 About 18.7 miles away](https://rateapi.dev/credit-unions/minnesota/united-employees) [**Trades & Labor** TRADES & LABOR FCU · ALBERT LEA · MN · 56007-4526 About 19.2 miles away](https://rateapi.dev/credit-unions/minnesota/trades-labor) [**Affinity Plus** Albert Lea · Albert Lea · MN · 56007-4385 About 20.2 miles away](https://rateapi.dev/credit-unions/minnesota/affinity-plus) [**First Alliance** Stewartville · Stewartville · MN · 55976-1235 About 27.7 miles away](https://rateapi.dev/credit-unions/minnesota/first-alliance) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Austin City Employees Credit Union Membership eligibility from Austin City Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Austin City Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer City of Austin, Austin Utilities, Austin Public School District #492 Verified from [Austin City Employees Credit Union's membership page](https://www.austincityecu.org/contact-us) . Final membership determination is always made by the credit union. ## Membership rules for Austin City Employees Credit Union Employers 3 · Family 3 6 published paths to membership, last verified August 27, 2026, quoted from Austin City Employees Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of City of Austin “Eligible members are employees who work for one of the Segmented Employee Groups: City of Austin” > [source ↗](https://www.austincityecu.org/contact-us) - Employee of City of Austin - Employee of Austin Utilities “Eligible members are employees who work for one of the Segmented Employee Groups: City of Austin Austin Utilities” > [source ↗](https://www.austincityecu.org/contact-us) - Employee of Austin Utilities - Employee of Austin Public School District #492 “Eligible members are employees who work for one of the Segmented Employee Groups: City of Austin Austin Utilities Austin Public School District #492” > [source ↗](https://www.austincityecu.org/contact-us) - Employee of Austin Public School District #492 ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member blood relative, adoptive relative, spouse “If you are related to a current member by blood, adoption, or marriage, you are eligible to join, regardless of where you live and work.” > [source ↗](https://www.austincityecu.org/contact-us) - Family member (blood relative, adoptive relative, spouse) of a member - Family of a member relative “If you are related to a current member by blood, adoption, or marriage, you are eligible to join, regardless of where you live and work.” > [source ↗](https://www.austincityecu.org/contact-us) - Family member (relative) of a member - Family Of Deceased surviving spouse “When a member dies, their spouse, the blood, and adoptive relatives of either of them and their spouses may still join.” > [source ↗](https://www.austincityecu.org/contact-us) - Family member (surviving spouse) of a deceased eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Austin City Employees Credit Union? Yes No ## Work at Austin City Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Austin City Employees Credit Union ranks against Minnesota peers. - See which AI assistants fetched Austin City Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Minnesota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=austin-city-employees&state=minnesota&code=MN&name=Austin%20City%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Austin City Employees Credit Union offer? Austin City Employees Credit Union currently offers personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Austin City Employees Credit Union rates updated? RateAPI verifies Austin City Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Austin City Employees Credit Union's rate data? Rate data is collected directly from Austin City Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Austin City Employees Credit Union's personal loan rate? As of November 12, 2026, Austin City Employees Credit Union offers personal loans from 12% APR. ### What is Austin City Employees Credit Union's best CD rate? As of November 12, 2026, Austin City Employees Credit Union offers savings and certificate (CD) yields up to 1.50% APY. ### Who can join Austin City Employees Credit Union? Austin City Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 3 employers for Austin City Employees Credit Union, each quoted from Austin City Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Austin City Employees Credit Union's rates against national credit-union benchmarks. [More Minnesota credit unions](https://rateapi.dev/credit-unions/minnesota) [Minnesota personal loan leaders](https://rateapi.dev/personal-loan-rates/minnesota) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.austincityecu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Austin City Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Minnesota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Austin City Employees Credit Union curl "https://api.rateapi.dev/credit-unions/minnesota /austin-city-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Austin City Employees Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/minnesota/austin-city-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp