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 Northern States Power St Paul Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 6, 2026
Northern States Power St Paul Credit Union's 36 Mo CDs rates are at 3.09%, 24 Mo CDs rates are at 3.04%, 12 Mo CDs rates are at 2.99%, 36 Mo CDs rates are at 2.84%, 24 Mo CDs rates are at 2.78%. Northern States Power St Paul Credit Union's savings rates are at 0.08%. Northern States Power St Paul Credit Union's Personal Loan Rates are at 10.50%. MonitorBankRates evaluates the financial stability of Northern States Power St Paul Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.04%. Rates were last updated on 04/06/2026. Northern States Power St Paul Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Northern States Power St Paul Credit Union? Share your experience about Northern States Power St Paul Credit Union by leaving a review below, or read customer reviews before you decide to use Northern States Power St Paul Credit Union. Northern States Power St Paul Credit Union
Maplewood 2303 White Bear Ave N
https://www.mynspcu.org Maplewood, MN 55109 
Northern States Power St Paul Credit Union CD Rates
Northern States Power St Paul Credit Union Savings Rates
Northern States Power St Paul Credit Union Home Equity & HELOC
Northern States Power St Paul Credit Union Credit Card Rates
Northern States Power St Paul Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Northern States Power St Paul Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Northern States Power St Paul Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Northern States Power St Paul Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Northern States Power St Paul Credit Union
Website
https://www.mynspcu.org
Address
2303 White Bear Ave N,
Maplewood, MN 55109
Phone
651-228-7668
Fax
651-228-7676
President
Brandon Cramer
CEO
Charlie Yenni
Full-Time Employees
7
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.04%
Return on Assets (ROA)
-0.5358%
Return on Equity (ROE)
-2.5998%
Non-Performing Loans Ratio (NPL)
0.38%
Total Assets
36,281,277
Total Amount of Shares and Deposits
28,180,461
Total Shares and Deposits < 1 Year
27,031,155
Total Shares and Deposits 1 3 Years
1,149,306
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
166,027
Total Uninsured Shares and Deposits > $250K (F+J)
166,027
Total Insured Shares and Deposits > $250K (item 17 less item K)
28,014,434
Total Interest Expense (Sum of items 6 8)
173,508
Share Certificates
271
Number of Accounts for Share Drafts
795
IRA KEOGH Accounts
70
Number of Accounts for Regular Shares
2,960
All other shares
7
Net Income (unless the amount is already included in Undivided Earnings)
-194,404
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,970,872
Total Liabilities
28,869,620
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Northern States Power St Paul Credit UnionIs Northern States Power St Paul Credit Union a safe place to deposit money?Yes, Northern States Power St Paul Credit Union is considered a safe financial institution. With a Texas Ratio of 1.0378130088433%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Northern States Power St Paul Credit Union operate?Northern States Power St Paul Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Northern States Power St Paul Credit Union?Yes, to access services at Northern States Power St Paul Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Northern States Power St Paul Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Northern States Power St Paul Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Northern States Power St Paul Credit Union offer online and mobile banking?Most modern institutions like Northern States Power St Paul Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mynspcu.org. Current Northern States Power St Paul Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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