|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 St Paul Federal 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
St Paul Federal Credit Union's CD 6 month rates are at 3.25%, Share & IRA CD - 60 month rates are at 3.60%, Share & IRA CD - 48 month rates are at 3.50%, Share & IRA CD - 36 month rates are at 3.40%, Share & IRA CD - 24 month rates are at 3.35%. St Paul Federal Credit Union's savings rates are at 1.95%. St Paul Federal Credit Union's Personal Loan Rates are as low as 12.50%. St Paul Federal Credit Union's top CD rate of 3.60% APY on a 5 year CD is 23% higher than the MonitorBankRates national average for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of St Paul Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.19%. Rates last updated and verified on 10/29/2026. St Paul Federal 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 St Paul Federal Credit Union? Share your experience about St Paul Federal Credit Union by leaving a review below, or read customer reviews before you decide to use St Paul Federal Credit Union. St Paul Federal Credit Union
Conway 1330 Conway St Ste 200
https://www.stpaulfcu.org Saint Paul, MN 55106  Customer Reviews
Be the first to review
Write a Review
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. St Paul Federal Credit Union CD Rates
St Paul Federal Credit Union Savings Rates
St Paul Federal Credit Union Home Equity & HELOC
St Paul Federal Credit Union Auto Loan Rates
St Paul Federal Credit Union Personal Loan Rates
St Paul Federal Credit Union Other Rates
Financial Health HistorySt Paul Federal Credit Union’s Texas Ratio stayed near 0.97% in Q3 2023 to 1.19% 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
Powered by
MonitorBankRates
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 St Paul Federal 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 St Paul Federal 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 St Paul Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
St Paul Federal Credit Union
Website
https://www.stpaulfcu.org
Address
1330 Conway St Ste 200,
Saint Paul, MN 55106
Phone
651-772-8744
Fax
651-772-8787
President
Donald Sinna
CEO
Christopher Petersen
Full-Time Employees
32
Part-Time Employees
0
Branch Locations
3
ATM Locations
1
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
1.19%
Return on Assets (ROA)
0.3291%
Return on Equity (ROE)
2.5453%
Non-Performing Loans Ratio (NPL)
0.20%
Total Assets
252,138,625
Total Amount of Shares and Deposits
215,177,663
Total Shares and Deposits < 1 Year
186,541,526
Total Shares and Deposits 1 3 Years
16,672,748
Total Shares and Deposits > 3 Years
11,963,388
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
33,422,888
Total Uninsured Shares and Deposits > $250K (F+J)
33,422,888
Total Insured Shares and Deposits > $250K (item 17 less item K)
181,754,775
Total Interest Expense (Sum of items 6 8)
1,752,482
Share Certificates
1,074
Number of Accounts for Share Drafts
7,020
IRA KEOGH Accounts
437
Number of Accounts for Regular Shares
15,114
All other shares
247
Non Member Deposits
1
Money Market Shares
1,605
Net Income (unless the amount is already included in Undivided Earnings)
829,681
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)
17,615,393
Total Liabilities
220,404,630
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for St Paul Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for St Paul Federal Credit Union
Frequently Asked Questions About St Paul Federal Credit UnionDoes St Paul Federal Credit Union offer CDs?Yes. St Paul Federal Credit Union current CD rates include its Share & IRA CD - 60 month at 3.60% APY, its Share & IRA CD - 48 month at 3.50% APY and its Share & IRA CD - 36 month at 3.40% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from St Paul Federal Credit Union NCUA insured?Yes. St Paul Federal 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 St Paul Federal Credit Union?The highest St Paul Federal Credit Union CD rate is its Share & IRA CD - 60 month at 3.60% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does St Paul Federal Credit Union offer?St Paul Federal Credit Union CD rates are 3.25% APY for a 6 month CD, 3.25% APY for a 12 month CD, 3.30% APY for an 18 month CD, 3.35% APY for a 2 year CD, 3.40% APY for a 3 year CD, 3.50% APY for a 4 year CD and 3.60% APY for a 5 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 St Paul Federal Credit Union for its full lineup. What is the highest savings rate at St Paul Federal Credit Union?The highest St Paul Federal Credit Union savings rate is its IRA Savings at 1.95% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at St Paul Federal Credit Union?The lowest St Paul Federal Credit Union auto loan rate is its Auto Loans at 4.29% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at St Paul Federal Credit Union?The lowest St Paul Federal Credit Union personal loan rate is its Signature Loan - 12 Months at 12.50% APR, verified by MonitorBankRates as of October 29, 2026. St Paul Federal Credit Union personal loan rates are 12.50% APR for a 12 month personal loan, 12.50% APR for a 24 month personal loan, 12.50% APR for a 36 month personal loan, 12.50% APR for a 48 month personal loan, 12.50% APR for a 60 month personal loan and 12.50% APR for a 72 month personal loan. How many branches does St Paul Federal Credit Union operate?St Paul Federal 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 St Paul Federal Credit Union?Yes, to access services at St Paul Federal 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, St Paul Federal 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, St Paul Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does St Paul Federal Credit Union offer online and mobile banking?Most modern institutions like St Paul Federal 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.stpaulfcu.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 St Paul Federal Credit Union rates compare?St Paul Federal Credit Union's top CD rate of 3.60% APY on a 5 year CD is 23% higher than the MonitorBankRates national average for that term, and it has an A+ health rating. St Paul Federal Credit Union's top rates are its Share & IRA CD - 60 month at 3.60% APY, its IRA Savings at 1.95% APY and its Signature Loan - 12 Months at 12.50% APR, verified by MonitorBankRates on October 29, 2026. Current St Paul Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Florida West Coast Credit Union
CASE Credit Union
1st Northern California Credit Union
Circuit Federal Credit Union
Midland Municipal Employees Credit Union
Southern Middlesex Co Tchrs Credit Union
Firelands Credit Union
Gulf Shore Federal Credit Union
UFCW Local 23 Credit Union
Roanoke Valley Community Federal Credit Union
The Infirmary Federal Credit Union
Howard County Education Federal Credit Union
ELCO Federal Credit Union
Brooklyn Cooperative Federal Credit Union
Labor Management Federal Credit Union
First Peoples Community Federal Credit Union
Energy People Credit Union
Hiwassee River Credit Union
Universal Federal Credit Union
Trustar Federal Credit Union
Berylco Employees Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
