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 Northern States Power St Paul Credit Union Rates & Review November 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.
Read Full Bio →
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 and Verified: October 29, 2026
Northern States Power St Paul Credit Union's CDs - 36 Mo rates are at 3.09%, CDs - 24 Mo rates are at 3.04%, CDs - 12 Mo rates are at 2.99%, CDs - 6 Mo rates are at 2.78%. Northern States Power St Paul Credit Union's savings rates are at 1.01%. Northern States Power St Paul Credit Union's checking rates are as high as 0.30%. Northern States Power St Paul Credit Union's Personal Loan Rates are as low as 10.50%. Northern States Power St Paul Credit Union's Credit Card Rates are at 7.90%. Northern States Power St Paul Credit Union's CD rates are 3% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 3.30%. Rates last updated and verified on 10/29/2026. 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  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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 Checking 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
Northern States Power St Paul Credit Union Other Rates
Financial Health HistoryNorthern States Power St Paul Credit Union’s Texas Ratio rose from 0.26% in Q3 2023 to 3.30% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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+ (98/100)
Texas Ratio
3.30%
Return on Assets (ROA)
-0.2782%
Return on Equity (ROE)
-1.3291%
Non-Performing Loans Ratio (NPL)
1.22%
Total Assets
35,096,317
Total Amount of Shares and Deposits
27,136,769
Total Shares and Deposits < 1 Year
25,262,813
Total Shares and Deposits 1 3 Years
1,873,956
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
289,176
Total Uninsured Shares and Deposits > $250K (F+J)
289,176
Total Insured Shares and Deposits > $250K (item 17 less item K)
26,847,593
Total Interest Expense (Sum of items 6 8)
94,665
Share Certificates
249
Number of Accounts for Share Drafts
784
IRA KEOGH Accounts
64
Number of Accounts for Regular Shares
2,894
All other shares
6
Net Income (unless the amount is already included in Undivided Earnings)
-97,632
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
756,578
Total Liabilities
27,809,552
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Northern States Power St Paul Credit UnionDoes Northern States Power St Paul Credit Union offer CDs?Yes. Northern States Power St Paul Credit Union current CD rates include its CDs - 36 Mo at 3.093% APY, its CDs - 24 Mo at 3.042% APY and its CDs - 12 Mo at 2.99% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Northern States Power St Paul Credit Union NCUA insured?Yes. Northern States Power St Paul Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Northern States Power St Paul Credit Union?The highest Northern States Power St Paul Credit Union CD rate is its CDs - 36 Mo at 3.093% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Northern States Power St Paul Credit Union offer?Northern States Power St Paul Credit Union CD rates are 2.785% APY for a 6 month CD, 2.99% APY for a 12 month CD, 3.042% APY for a 2 year CD and 3.093% APY for a 3 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Northern States Power St Paul Credit Union for its full lineup. What is the highest savings rate at Northern States Power St Paul Credit Union?The highest Northern States Power St Paul Credit Union savings rate is its WINcentive Savings at 1.01% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Northern States Power St Paul Credit Union?The highest Northern States Power St Paul Credit Union checking rate is its Open Interest Checking at 0.30% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Northern States Power St Paul Credit Union?The lowest Northern States Power St Paul Credit Union personal loan rate is its Personal Signature Loan at 10.50% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Northern States Power St Paul Credit Union?The lowest Northern States Power St Paul Credit Union credit card APR is its Visa Platinum Credit Card at 7.90% APR, verified by MonitorBankRates as of October 29, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Northern States Power St Paul Credit Union rates compare?Northern States Power St Paul Credit Union's CD rates are 3% higher than the MonitorBankRates national average, and it has an A+ health rating. Northern States Power St Paul Credit Union's top rates are its CDs - 36 Mo at 3.093% APY, its WINcentive Savings at 1.01% APY, its Open Interest Checking at 0.30% APY, its Personal Signature Loan at 10.50% APR and its Visa Platinum Credit Card at 7.90% APR, verified by MonitorBankRates on October 29, 2026. Current Northern States Power St Paul Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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