Northern States Power - St. Paul Credit Union

Popular Accounts at this Credit Union

2.00%Reward Checking
0.95%1-year CD
View all Northern States Power - St. Paul Credit Union rates »

Overview / Commentary
825 Rice St
Saint Paul, MN 55117

Northern States Power - St. Paul Credit Union is headquartered in Saint Paul and is the 55th largest credit union in the state of Minnesota. It is also the 2,452nd largest credit union in the nation. It was established in 1933 and as of December of 2018, it had grown to 6 employees and 3,272 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.

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

NCUA #62733
Year Chartered1933
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD3.88%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$43.9MM$46.1MM
LoansQ4 2018vs Q4 2017$24.4MM$25.8MM
DepositsQ4 2018vs Q4 2017$36.9MM$39.1MM
Equity CapitalQ4 2018vs Q4 2017$6.7MM$6.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$164.00K$247.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$101.00K$633.00K
Real Estate OwnedQ4 2018vs Q4 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

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

2.00%*-$7.5kFree Kasasa Cash®
OTHER TIERS: 0.10% $7.5k+

Northern States Power - St. Paul Credit Union CD Rates

2.27%$50k-21 Month CD Special
2.02%$10k$50k31 Month CD Special
1.97%*$75k*-36 Month CD
OTHER TIERS: 1.71% $1k - $25k | 1.81% $25k - $75k
1.46%*$75k*-24 Month CD
OTHER TIERS: 1.31% $1k - $25k | 1.41% $25k - $75k
0.95%*$75k*-12 Month CD
OTHER TIERS: 0.85% $1k - $25k | 0.90% $25k - $75k
0.80%*$75k*-6 Month CD
OTHER TIERS: 0.70% $500 - $25k | 0.75% $25k - $75k

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

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