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iAdvertiser Disclosure
Advertiser Disclosure
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 St Paul Federal 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.
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: April 18, 2026
St Paul Federal Credit Union's savings rates are at 0.12%. St Paul Federal Credit Union's Personal Loan Rates are at 4.29%. 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 0.63%. Rates were last updated on 04/18/2026. 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 
St Paul Federal Credit Union Savings Rates
St Paul Federal Credit Union Mortgage Rates
St Paul Federal Credit Union Home Equity & HELOC
St Paul Federal Credit Union Auto Loan Rates
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
30
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+ (100/100)
Texas Ratio
0.63%
Return on Assets (ROA)
0.6316%
Return on Equity (ROE)
5.1336%
Non-Performing Loans Ratio (NPL)
0.11%
Total Assets
258,706,642
Total Amount of Shares and Deposits
226,877,014
Total Shares and Deposits < 1 Year
199,881,247
Total Shares and Deposits 1 3 Years
11,629,642
Total Shares and Deposits > 3 Years
15,366,123
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
59,486,566
Total Uninsured Shares and Deposits > $250K (F+J)
59,486,566
Total Insured Shares and Deposits > $250K (item 17 less item K)
167,390,448
Total Interest Expense (Sum of items 6 8)
2,981,425
Share Certificates
1,221
Number of Accounts for Share Drafts
7,035
IRA KEOGH Accounts
466
Number of Accounts for Regular Shares
14,907
All other shares
232
Money Market Shares
1,547
Net Income (unless the amount is already included in Undivided Earnings)
1,633,946
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
30,660,753
Total Liabilities
228,111,520
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About St Paul Federal Credit UnionIs St Paul Federal Credit Union a safe place to deposit money?Yes, St Paul Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.62862341237494%, 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 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. Current St Paul Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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