Saving for your future or something more short term like a vacation? 

BTCU offers savings accounts to suit all your savings needs.

Labor Saver - Required for Membership

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Your initial deposit of $25 into a Labor Saver account is all that is required to join BTCU and gain access to all of the privileges membership provides. 

Opening Deposit / Minimum Balance $25
Minimum Balance to Earn Interest $3001
Monthly Fee None

 

 

 

 

Secondary Savings

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If you are saving for a specific purpose, this account is for you. There's no limit to the number of accounts you can open and you can name the account for its specific purpose like travel, home repairs, school tuition, holiday shopping, or anything else you please.

Opening Deposit / Minimum Balance None
Minimum Balance to Earn Interest $3001
Monthly Fee None

 

 

 

 

Mini-Labor Saver - Kids

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Starting the savings habit early helps kids learn to get smart with their money - whether they're toddlers or teens. For young savers under 18 years of age, this account is the perfect fit.

Opening Deposit / Minimum Balance $5
Minimum Balance to Earn Interest $51
Monthly Fee None

 

 

 

 

Advantage Savings

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Enjoy a higher interest rate savings and easy access to your money. With tiered dividends, the higher your balance, the more you'll earn.

Opening Deposit / Minimum Balance $2,500
Minimum Balance to Earn Interest $2,5002
Monthly Fee $20 if balance falls below minimum

 

 

 

 

1. Dividends are calculated daily and paid quarterly. 2. Dividends are calculated daily and paid monthly. Rates are subject to change at any time. Balances that fall below the minimum balance required to earn interest will not earn dividends and may incur a monthly fee, which may reduce account earnings. Rates may change after the account is opened. Please refer to your Personal Account Agreement and Truth-in-Savings Disclosures for complete information, including transaction limitations on savings accounts. 

Need Help?

Give us a call. 763-315-3888 or
Toll-Free 1-800-496-2460

Monday - Friday: 7am - 7pm
Saturdays: 7am - 4pm

Or Contact Us by Email

 

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Are you ready to become a BTCU member? Click below to complete our online application.

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Open Your Account

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Multiple Deposit Savings Calculator
Savings Rates View All Rates

Labor Saver 1

0.05% (APY)
  • Min to Open: $25
  • Min BAL TO OBTAIN APY**: $300
  • Compound & Credit Frequency: Daily; Quarterly

Secondary Savings 1

0.05% (APY)
  • Min to Open: None
  • Min BAL TO OBTAIN APY**: $300
  • Compound & Credit Frequency: Daily; Quarterly

Mini-Labor Saver 1

0.05% (APY)
  • Min to Open: $5
  • Min BAL TO OBTAIN APY**: $5
  • Compound & Credit Frequency: Daily; Quarterly