711 4th Ave NE Austin MN 55912
Austin City Employees
Credit Union

Savings Programs

Savings Accounts

Your $5 minimum deposit opens your savings account and makes you a member of Austin City Employees Credit Union. We offer separate sub savings accounts for you to reach your savings goals. The accounts are for you to use for your future endeavors such as vacation, Christmas or for whatever you may be saving for.

Certificates of Deposit

Here is a safe way to put your money to work with optimum return on your investment. Invest in our Certificates of Deposit. You will always get guaranteed dividends rates with terms ranging from 6 to 24 months, with a low $500 minimum deposit requirement. Each certificate is a fixed term investment that is an insured way to invest for the future.

Individual Retirement Accounts (IRAs)

IRAs are designed to meet members’ long-term retirement savings needs. Your credit union has several types of individual retirement accounts with options that let you reduce your tax liability and defer taxes on your earnings as you build a financially secure retirement. IRA accounts are insured separately from your other accounts up to $250,000 with the National Credit Union Insurance Fund.

"ACE"cu Kids Club

Meet "ACE"cu

"ACE"cu invites you to join the Kids Club savings program.

It's never too early to teach your children how to save and spend responsibly. One of the best ways to promote good financial habits at a young age is to open a Kids Club Savings Account at Austin City Employees Credit Union. We offer two Kids Club Accounts: "ACE"cu Junior (ages 0 to 6) and "ACE"cu Senior (ages 7 to 12).

To start an "ACE"cu Kids Club account all you need is a minimum deposit of $5.00, and you will receive a fun-filled Membership Kit. With a deposit of $3.00 or more kids will receive one "ACE"cu Buck. Save 3 or more "ACE"cu Bucks to buy cool prizes at the credit union! Kids will also receive fun things in the mail like newsletters, coloring contests, and birthday cards!


Checking Accounts & Debit Cards

Free Checking

We offer free checking with

  • Free online banking
  • No minimum balance requirements
  • Unlimited check writing
  • No monthly fees
  • Optional overdraft protection
  • A Free SHAZAM Chek Debit/ATM Card

You will be unable to place an order with our new check printer, Checks For Less, due to one of the following reasons, please call us at 507-433-6580:

  • Name or Address Change
  • Do not know Starting Number
  • Have not Ordered thru Checks For Less before

If you should have any questions on how we have your account set up, or if you ever wish to make any changes, please contact us.

Click here to Reorder Checks.

Senior Checking

If you are 55 or better you qualify for the special benefits of our Senior checking account. Receive all the benefits of Free checking plus two free boxes of basic checks each year.

SHAZAM Chek Debit/ATM card

Your Free SHAZAM Chek Debit/ATM card can be used for all of your purchases anywhere Mastercard is accepted. Just present your card when you make a purchase, and your account will be automatically debited for the purchase amount, a totally free service. Use your debit card to get cash from thousands of ATMs in the Shazam and Cirrus ATM networks all across the U.S., 24 hours a day. Transactions at Privileged Status ATMs are surcharge free.

Click here to find Privileged Status ATMs.

Overdraft Protection

You may choose to link your checking account to your share savings account to transfer automatically for overdraft protection. Members may also choose to have funds automatically transferred from a Line of Credit.

Funds will automatically transfer from your share account and/or Line of Credit to your checking account in $100.00 increments to cover overdrafts. All funds available except $5.00 will transfer if there is not $100.00 available in your share account. "Federal Regulation D" limits the number to six (6) transfers per monthly statement.


We make it easy & affordable with:

  • No application fee
  • No prepayment penalties
  • Up to 100% financing
  • Check out the rate sections to see available terms
  • Free NADA book values

Click here for a Loan Application.

Secured Loans

Austin City Employees Credit Union offers competitive financing for new and used vehicles. We can help if you’re in the market to purchase or refinance a vehicle.* We offer competitive rates and convenient payment terms. We also offer financing for motorhomes, campers, boats, personal watercraft, motorcycles, ATVs, and snowmobiles. If it moves, we finance it. Get preapproved for your secured loan and receive free NADA book values. Your preapproval is good for four months. *Subject to credit approval.

We also offer Share/CD Secured loans.

Signature loans

Borrow for any purpose with just your signature. We offer Signature loans with a revolving line up to $20,000.

Home Equity Loans

Whether you’re thinking about home improvements, college education, or even debt consolidation, use the equity in your home with an Austin City Employees Credit Union Home Equity Loan. With this loan you may borrow up to 80% of the property tax statement (or appraised) value of your home, less any outstanding mortgage. HELOC loans have a variable interest rate and no loan advance fees for advances $500 or more, no annual fees or points. You can obtain credit advances for 10 years. Austin City Employees Credit Union pays normal closing costs, if you close the plan within 12 months of the opening date, you will be required to reimburse us for these fees. If you have the equity, we have the money you need. In most cases, the interest is usually tax deductible. (Contact your tax consultant) Stop by Austin City Employees Credit Union for an application.


We partner with First Class Mortgage to offer our members complete home mortgage services! First Class Mortgage is committed to offering our customers a faster, less frustrating and less expensive mortgage experience. Our team uses our 120 years of combined knowledge, professional experience, and vast industry contacts to ensure we offer every customer the best product possible. Our focus is on people, with the understanding that each borrower has a different set of financial circumstances requiring a customized mortgage. Please contact the Credit Union if you have questions or if you would like to apply!

Visa Credit Card

Platinum Preferred Visa Card

With your Platinum Preferred Visa Card, you may qualify for an interest rate as low as 9.90%* on all your purchases and cash advances. . . with No annual fee. This card includes the benefits of a Free travel service, travels accident insurance, ‘Verified by Visa’ fraud protections and more. *Member must meet certain credit score criteria

You can make payments and check transactions at ezcardinfo.com.

Electronic Services

Online Banking

Free 24 hour computer access to your Austin City Employees Credit Union account.

All you need to start using Austin City Employees Credit Union online banking is:

  • Your member account number
  • Your birthday (MMDDYEAR)
  • Register your account with online banking

Other Features:

  • View account balances and history
  • Transfer funds between accounts
  • Make ACECU loan payments from your saving or checking account
  • View which checks or debit card transactions have cleared
  • Check dividends, certificates, and IRA’s


Click here for Shazam ATM Locator.

Direct Deposit

Send your Payroll, Social Security, PERA or Retirement Income by DIRECT DEPOSIT to your account at the Austin City Employees Credit Union. It’s quick, safe and easy. All you need is our Routing number (ABA number) and your credit union account number. Call us at 433-6580 if you need your account number.

Routing (ABA) number: 291973289

Credit Union Account number: _ _ _ _ Savings or Checking


Download and View your statements by logging into your Online Banking account.