Northern States Power - St. Paul Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.00%	Reward Checking	Free Kasasa Cash® 1.83% - National Average
1.31%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.35%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD

View all Northern States Power - St. Paul Credit Union rates »

Overview / Commentary

www.mynspcu.org

651-229-2221

825 Rice St
Saint Paul, MN 55117

Northern States Power - St. Paul Credit Union is headquartered in Saint Paul and is the 52^nd largest credit union in the state of Minnesota. It is also the 2,393^rd largest credit union in the nation. It was established in 1933 and as of March of 2017, it had grown to 7 employees and 3,563 members at 1 location. Northern States Power - St. Paul Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees or retirees of XCEL Energy/NSP Corporation.
See current membership details

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Health

B

Data as of Q1 2017

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Northern States Power - St. Paul Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	62733
Year Chartered	1933
Employees	7
Primary Regulator

Profit Margin
Return on Assets - YTD	0.45%
Return on Equity - YTD	3.36%
Annual Interest Income	$378.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$48.1MM$48.0MM
Loans	Q1 2017vs Q1 2016	$26.2MM$25.0MM
Deposits	Q1 2017vs Q1 2016	$41.5MM$41.8MM
Equity Capital	Q1 2017vs Q1 2016	$6.3MM$5.9MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$249.00K$286.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$495.00K$67.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$79.00K

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Northern States Power - St. Paul Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%	-	-	IRA Account
0.80%	-	-	Coverdell Education Savings
0.08%	$200	-	Member Savings
0.08%	-	-	MoneyIsland Savings Account

Northern States Power - St. Paul Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	-	$7,500	Free Kasasa Cash®
OTHER TIERS: 0.10% → $7,500+
0.30%	$200	-	Checking Account

Northern States Power - St. Paul Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.31%	$1k	-	60 Month CD
0.85%	$1k	-	36 Month CD
0.55%	$1k	-	24 Month CD
0.35%	$1k	-	12 Month CD
0.25%	$500	-	6 Month CD

Northern States Power - St. Paul Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%	-	-	36 Month IRA
1.00%	-	-	24 Month IRA
0.80%	-	-	18 Month IRA

Locations

Northern States Power - St. Paul Credit Union Locations
Branch Office	825 Rice St	Saint Paul, MN 55117-5459