Northern States Power - St. Paul Credit Union


Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
2.00%Reward Checking
0.75%1-year CD
0.08%Savings
View all Northern States Power - St. Paul Credit Union rates »

Overview / Commentary
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 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

Reviews (1)

Credit Unions are better than banks

Posted by: joeywest | Mar 7, 2018

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.



Health
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 - YTD0.76%
Return on Equity - YTD5.08%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$43.4MM$46.9MM
LoansQ3 2018vs Q3 2017$24.4MM$24.9MM
DepositsQ3 2018vs Q3 2017$36.6MM$40.2MM
Equity CapitalQ3 2018vs Q3 2017$6.6MM$6.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$190.00K$250.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$164.00K$398.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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

APYMINMAXACCOUNT NAMEVIEW 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

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
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
Locations


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

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