1. Banks
  2. Northern States Power - St. Paul Credit Union

Northern States Power - St. Paul Credit Union


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 59th largest credit union in the state of Minnesota. It is also the 2,584th largest credit union in the nation. It was established in 1933 and as of March of 2021, it had grown to 7 employees and 3,035 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

Reviews (1)

Credit Unions are better than banks

Posted by: |

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.

1


Health
B+

Data as of Q1 2021

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 Chartered1933
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD1.77%
Return on Equity - YTD10.8%
Annual Interest Income$339.00K
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$46.7MM$43.0MM
LoansQ1 2021vs Q1 2020$21.5MM$23.1MM
DepositsQ1 2021vs Q1 2020$38.8MM$35.6MM
Equity CapitalQ1 2021vs Q1 2020$7.5MM$7.1MM
Loan Loss AllowanceQ1 2021vs Q1 2020$151.00K$225.00K
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$5.00K$89.00K
Real Estate OwnedQ1 2021vs Q1 2020$0$0
Rates
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Northern States Power - St. Paul Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%--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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$7.5kFree Kasasa Cash
OTHER TIERS: 0.10% → $7.5k+

Northern States Power - St. Paul Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%*$75k*-36 Month CD
OTHER TIERS: 0.70% → $1k - $25k | 0.80% → $25k - $75k
0.70%*$75k*-24 Month CD
OTHER TIERS: 0.55% → $1k - $25k | 0.65% → $25k - $75k
0.50%*$75k*-12 Month CD
OTHER TIERS: 0.40% → $1k - $25k | 0.45% → $25k - $75k
0.35%*$75k*-6 Month CD
OTHER TIERS: 0.25% → $500 - $25k | 0.30% → $25k - $75k

Northern States Power - St. Paul Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%*$75k*-36 Month IRA
OTHER TIERS: 0.70% → $500 - $25k | 0.80% → $25k - $75k
0.70%*$75k*-24 Month IRA
OTHER TIERS: 0.55% → $500 - $25k | 0.65% → $25k - $75k
0.50%*$75k*-12 Month IRA
OTHER TIERS: 0.40% → $1k - $25k | 0.45% → $25k - $75k
0.35%*$75k*-6 Month IRA
OTHER TIERS: 0.25% → $500 - $25k | 0.30% → $25k - $75k
Locations


Northern States Power - St. Paul Credit Union Locations
Branch Office825 Rice StSaint Paul, MN 55117-5459

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.