St. Paul Federal Credit Union is headquartered in Saint Paul and is the 26th largest credit union in the state of Minnesota. It is also the 1,114th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 29 employees and 14,850 members at 2 locations. St. Paul Federal Credit Union has an A+ health rating.
Field of Membership Restrictions
St. Paul Federal Credit Union is open to anyone who lives, works, worships, or does business in St. Paul or downtown Minneapolis. Various employment groups, including Local 110 Electricians, and United States Federal Employees are also eligible for membership.
See current membership details
Limit Of Only One (1) CD
I opened a 15-month CD at St Paul in May 2024. There was no dollar cap on the amount I could have deposited into this CD. I have been a member there for years. Now, in Sept 2024, I wanted to open another 15-month CD with new money. St Paul refused to open this 15-month CD for me, saying that there is a limit of one 15-month CD per person, regardless of the amount deposited. This is irrational, and disappointing. I'm taking my deposit funds elsewhere.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 24358 |
| Year Chartered | 1953 |
| Employees | 29 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.7% |
| Return on Equity - YTD | 6.12% |
| Annual Interest Income | $2.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $257.2MM$260.8MM |
| Loans | Q1 2025vs Q1 2024 | $185.1MM$199.9MM |
| Deposits | Q1 2025vs Q1 2024 | $226.9MM$217.1MM |
| Equity Capital | Q1 2025vs Q1 2024 | $29MM$26.5MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $1.7MM$1.7MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $75K$476K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |