The credit union also has competitive standard rates. These include a 3.04% APY 6-month CD, a 3.30% APY 12-month CD, a 3.56% APY 2-year CD and a 3.81% APY 36-month CD. Minimum deposit is $500. I confirmed these standard rates with the CSR, and these rates are also listed in the credit union's rate table as of 2/12/09
Membership is open to those who live, work, attend school or worship in St. Paul, Minnesota. Please refer to the credit union's Who Can Join Page for the full details. Membership requires a minimum balance of $10 in the share savings account.
The credit union's ratings for safety and soundness are a little weak: 3 stars (adequate) at BauerFinancial and 2 stars (below peer group) at Bankrate.com. Both ratings are based on 9/30/08 financial data. The credit union is federally insured by the NCUA (Charter # 24364).