Business Details
50+ Years
experience
Your Trusted Credit Union for Financial Services in Maple Grove
Building Trades Credit Union (BTCU) has served the building and construction trades community since 1957, establishing itself as a trusted financial steward dedicated to empowering union workers and their families. Our mission focuses on creating a cohesive culture through responsible resource management and competitive financial products, ensuring we meet members' needs at every life stage. With over $225 million in assets and 18,000 members, we maintain a member-focused approach guided by core values of integrity, accessibility, and transparency.Our leadership team combines decades of industry expertise with personalized service, offering innovative solutions like same-day loan approvals and 24/7 digital banking tools. As a not-for-profit cooperative governed by a volunteer board, we return earnings to members through favorable rates and low fees while maintaining rigorous compliance with financial regulations. Our commitment to community extends through educational scholarships and partnerships that strengthen the trades sector.
Services
Auto Loans
Home Equity Loans
Credit Cards
Checking Accounts
Savings Accounts
Mortgage Loans
Mobile Banking
Business Loans
Online Bill Pay
ATM Services
Details
- Year established: 1957
Highlights and features
- We specialize in serving building trades professionals with tailored financial solutions
- We offer same-day loan approvals and electronic document signing
- Our competitive rates include a 0.25% discount for automatic payments
- We provide 24/7 access to digital banking tools and mobile deposit services
- Our not-for-profit structure returns value to members through better rates and lower fees
Services
Auto Loans
BTCU provides competitive auto loans for new and used vehicle purchases, with rates starting at 4.89% APR. Flexible terms up to 84 months and 110% financing options help members secure optimal deals. Electronic document signing and same-day approvals streamline the process, while autopay discounts reduce long-term costs.
Home Equity Loans
Fixed-rate home equity loans start at 5.84% APR with terms tailored to members' needs. These secured loans leverage property equity for major expenses, offering predictable monthly payments through BTCU's experienced lending team. Applications can be completed online or at local branches.
Checking Accounts
BTCU offers multiple checking options including free accounts, interest-earning performance accounts, and youth-friendly foundation accounts. Features include debit cards, mobile deposit, and nationwide ATM access. No minimum fees combined with member-focused benefits suit diverse financial needs.
Savings Accounts
Savings products range from entry-level labor saver accounts to tiered advantage savings with rates up to 0.60% APY. Money market options cater to larger balances, all insured by the NCUA. Minimum deposit requirements and digital tools help members achieve short and long-term financial goals.
Mobile Banking
24/7 mobile access enables account management, check deposits, and payment scheduling through BTCU's app. Features include real-time alerts, card controls, and surcharge-free withdrawals at 25,000+ ATMs. Security measures protect transactions while enhancing banking convenience for tech-savvy members.
People
Brad Benson
Mortgage Lender
With over 20 years in mortgage lending, Brad Benson specializes in guiding building trades professionals through home buying processes. He leverages industry expertise to secure favorable rates and terms while prioritizing member financial education.
Questions
Who qualifies for BTCU membership?
Eligible individuals include union members, employees of affiliated groups in the building trades sector, and their immediate family. Retirees maintaining field of membership also qualify.
What loan products does BTCU offer?
We provide auto loans, home equity loans, mortgages, personal loans, business loans, and specialty financing options for boats, RVs, and motorcycles with competitive rates.
Can I access accounts online?
Yes, all accounts include free 24/7 online access with bill pay, mobile deposit, eStatements, and account management features through our secure digital banking platform.
Are there branch locations available?
BTCU maintains three full-service branches in the Twin Cities metro area with additional access through 5,000+ shared credit union locations nationwide.
What savings options exist for members?
We offer labor saver (required for membership), secondary savings, advantage savings, and money market accounts with tiered rates up to 0.60% APY.
How quickly can loan applications be processed?
Same-day approvals are available for most loan products with electronic document signing options expediting the funding process for urgent financial needs.
