Northern States Power - St. Paul Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.00% | Reward Checking | 2.06% - National Average |
| 0.75% | 1-year CD | 2.65% - Barclays 12 Month Online CD |
| 0.08% | Savings | 2.00% - Ally Bank Online Savings Account |
Northern States Power - St. Paul Credit Union is headquartered in Saint Paul and is the 58th largest credit union in the state of Minnesota. It is also the 2,483rd largest credit union in the nation. It was established in 1933 and as of September of 2018, it had grown to 7 employees and 3,320 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
Credit Unions are better than banks
I have been a member at this credit union for twenty-one years. The fees that they charge are the lowest that I have seen from many competitors. The interest rates charged on loans are usually the lowest in the metro area. The deposit rates seem to be average. The customer service has been great, though there is a high turnover in the staff. The staff will work to resolve any issue that you may have and they do it in a kind and friendly manner. The credit union does not have the most convenient hours though many services are available online. The remote deposit feature is wonderful. Overall I can say that I am proud to be a member of a credit union and glad there are alternatives to banks.
Data as of Q3 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 62733 |
| Year Chartered | 1933 |
| Employees | 7 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.76% |
| Return on Equity - YTD | 5.08% |
| Annual Interest Income | $1.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2018vs Q3 2017 | $43.4MM$46.9MM |
| Loans | Q3 2018vs Q3 2017 | $24.4MM$24.9MM |
| Deposits | Q3 2018vs Q3 2017 | $36.6MM$40.2MM |
| Equity Capital | Q3 2018vs Q3 2017 | $6.6MM$6.4MM |
| Loan Loss Allowance | Q3 2018vs Q3 2017 | $190.00K$250.00K |
| Unbacked Noncurrent Loans | Q3 2018vs Q3 2017 | $164.00K$398.00K |
| Real Estate Owned | Q3 2018vs Q3 2017 | $0$0 |
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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 | VIEW DETAILS |
|---|---|---|---|---|
| 1.41% | - | - | IRA Account | |
| 0.80% | - | - | Roth IRA Savings | |
| 0.80% | - | - | Coverdell Education Savings | |
| 0.08% | $200 | - | Member Savings |
Northern States Power - St. Paul Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.00%* | - | $7.5k | Free Kasasa Cash® | ||
| OTHER TIERS: 0.10% → $7.5k+ | |||||
Northern States Power - St. Paul Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.27% | $50k | - | 41 Month CD Special | ||
| 1.76% | $50k | - | 31 Month CD Special | ||
| 1.51%* | $75k* | - | 36 Month CD | ||
| OTHER TIERS: 1.26% → $1k - $25k | 1.36% → $25k - $75k | |||||
| 1.26% | $50k | - | 21 Month CD Special | ||
| 1.05%* | $75k* | - | 24 Month CD | ||
| OTHER TIERS: 0.90% → $1k - $25k | 1.00% → $25k - $75k | |||||
| 0.75%* | $75k* | - | 12 Month CD | ||
| OTHER TIERS: 0.65% → $1k - $25k | 0.70% → $25k - $75k | |||||
| 0.65%* | $75k* | - | 6 Month CD | ||
| OTHER TIERS: 0.55% → $500 - $25k | 0.60% → $25k - $75k | |||||
| Northern States Power - St. Paul Credit Union Locations | ||
|---|---|---|
| Branch Office | 825 Rice St | Saint Paul, MN 55117-5459 |