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Savings Accounts

Saving for your future with a Credit Union you can TRUST!  

BTCU offers savings accounts to suit all your savings needs.

Labor Saver – Required for Membership


Your initial deposit of $25 into a Labor Saver account is what makes you an owner at BTCU. This is not a fee but your “share” in the credit union. If you close your account, you take that with you. 

Opening Deposit / Minimum Balance$25
Minimum Balance to Earn Interest$3001
Monthly FeeNone

Secondary Savings


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. You can label your secondary savings by providing a nickname such as Holiday Fund, Taxes, Tuition, etc. This account can be opened within Online Banking as well.

Opening Deposit / Minimum BalanceNone
Minimum Balance to Earn Interest$3001
Monthly FeeNone

Advantage Savings


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

Become a Member

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

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Open Your Account

Already a BTCU Member? Login to Online Banking to open your account today!

Savings Rates

Labor Saver 1

0.10% (APY)

  • MIN TO OPEN: $25
  • MIN BAL TO OBTAIN APY**: $300
  • COMPOUND & CREDIT FREQUENCY: QUARTERLY; QUARTERLY

Secondary Savings 1

0.10% (APY)

  • MIN TO OPEN: NONE
  • MIN BAL TO OBTAIN APY**: $300
  • COMPOUND & CREDIT FREQUENCY: QUARTERLY; QUARTERLY

Advantage Savings 1

0.40% = $2,500-$9,999.99
0.45% = $10,000-$49,999.99
0.50% = $50,000-$99,999.99
0.60% = $100,000 or more (APY)

  • MIN TO OPEN: $2,500
  • MIN BAL TO OBTAIN APY**: $2,500
  • COMPOUND & CREDIT FREQUENCY: MONTHLY; MONTHLY

1 APY = Annual Percentage Yield. Rates are effective 04/01/2023. Rates are subject to change and may change after the account is opened. Fees may reduce earnings on the account.

There is currently road work being done near the Shoreview Branch. Please enter through the Burger King parking lot to access the branch.
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