Trades & Labor

albert lea, Minnesota
Last verified: July 11, 2026

Auto loans available from 4.99% APR. HELOC rates from 6.5% APR. Personal loan rates from 7.09% APR.

Source: RateAPI.dev, verified from Trades & Labor's official website

Who Can Join Trades & Labor

Membership eligibility from Trades & Labor's own published criteria. How we verify this.

Membership criteria are published on Trades & Labor's website. Check the membership page below to confirm whether you qualify.

Verified from Trades & Labor's membership page. Final membership determination is always made by the credit union.

Auto Loan Rates

Rates as of July 11, 2026

auto
4.990% APR
Rate4.990%
[PROMOTIONAL] VEHICLE LOANS
credit_card_platinum
7.900% APR
Rate7.900%
VISA Platinum
credit_card
12.900% APR
Rate12.900%
VISA (Classic) CREDIT CARD
credit_card
12.900% APR
Rate12.900%
VISA Classic

HELOC Rates

Rates as of July 11, 2026

heloc_fixed
6.500% APR
Rate6.500%
HOME EQUITY (FIXED)
heloc_variable
7.000% APR
Rate7.000%
HOME EQUITY LINE OF CREDIT Variable

Personal Loan Rates

Rates as of July 11, 2026

personal_secured
7.090% APR
Rate7.090%
[PROMOTIONAL] OTHER SECURED LOANS - UNTITLED ITEMS
personal_unsecured
9.990% APR
Rate9.990%
[PROMOTIONAL] PERSONAL LOAN (SIGNATURE)
personal
15.000% APR
Rate15.000%
Overdraft Protection Loan

Frequently Asked Questions

What rates does Trades & Labor offer?

Trades & Labor currently offers auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 11, 2026 directly from the credit union's official website.

How often are Trades & Labor rates updated?

RateAPI verifies Trades & Labor's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 11, 2026.

Where does RateAPI get Trades & Labor's rate data?

Rate data is collected directly from Trades & Labor's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Trades & Labor's auto loan rate?

As of July 11, 2026, Trades & Labor offers auto loans from 4.99% APR.

Related Rate Data

Compare Trades & Labor's rates against national credit-union benchmarks.

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Trades & Labor
curl "https://api.rateapi.dev/credit-unions/minnesota/trades-labor" \
  -H "Authorization: Bearer YOUR_API_KEY"