St. Paul Federal Credit Union
Headquarters
1330 Conway St Ste 200
Saint Paul, MN 55106
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2025 Overview
General Credit Union Information
St. Paul is an NCUA insured institution located in Saint Paul, MN. It was founded in 1953 and has approximately $253.74 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 24358 |
| Date Established | 1953 |
| Assets | $253.74 million |
| Loans | $185.63 million |
| Deposits | $224.29 million |
| Capital | $30.48 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship, or do business in St. Paul or downtown Minneapolis, and to various employment groups, including Local 110 Electricians and United States Federal Employees.
Deposit Rates - April 18, 2025
Your Current Location: Texas, TX 10007
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| WINcentive
|
0.50% | $1 | - |
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|
| SAV
|
0.12% | $50 | - |
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|
|
Money Market
|
2.95% | $2,500 | - |
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|
|
Money Market
|
3.00% | $10,001 | - |
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|
|
Money Market
|
3.05% | $25,001 | - |
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|
|
Money Market
|
3.10% | $50,001 | $100,000 |
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|
|
Money Market
|
3.15% | $100,001 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
3.50% | $500 | - |
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|
| 12 Mo CD
|
3.75% | $1,000 | - |
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|
| 18 Mo CD
|
4.00% | $1,000 | - |
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|
| 24 Mo CD
|
3.05% | $1,000 | - |
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|
| 36 Mo CD
|
3.25% | $1,000 | - |
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|
| 48 Mo CD
|
3.75% | $1,000 | - |
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|
| 60 Mo CD
|
4.50% | $1,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
2.00% | $10,001 | $25,000 | Learn More |
Loan Rates - April 18, 2025
Your Current Location: Texas, TX 10007
There are currently no loan rates available for St. Paul
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Texas 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1945532 |
6.300% | 6.125% | 0.88 | $6,000 | $1,945 | Learn More |
NMLS ID: 2578474 |
6.366% | 6.250% | 0.88 | $3,949 | $1,971 | Learn More |
NMLS ID: 2059741 |
6.569% | 6.490% | 0.88 | $2,618 | $2,021 | Learn More |
NMLS ID: 1025894 |
6.728% | 6.625% | 0.88 | $3,398 | $2,049 | Learn More |
Featured - Texas Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Achieve Loans See Table |
Intro APR 9.250 % After Intro: 9.250 % |
$0 |
Learn More
More Info |
Note to St. Paul
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Branches
Below are St. Paul branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
San Angelo,Texas
St. Paul Locations around zip code 10007
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1010.78 | A | View Lobby Hours | |
| 1012.30 | B | View Lobby Hours | |
| 1067.09 | C | View Lobby Hours |
Climate Policy and Initiatives
ST. PAUL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
St. Paul Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of St. Paul. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| St. Paul | U.S. Average |
|---|---|
| 1.93% | 7.07 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2024, St. Paul had $564,130 in non-current loans and $39,527 in owned assets. To cover these potential losses it had $30,481,012 in net worth and $836,838 in loans loss reserves. That gives it a Texas Ratio of 1.93%.
Net Worth
| St. Paul | U.S. Average |
|---|---|
| 11.99% | 14.25% |
St. Paul FCU has a net worth of 11.99% versus the BestCashCow average of 14.25. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for St. Paul
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