--- title: "Minnesota Power Employees Credit Union Rates: Mortgage 7.27%" description: "Minnesota Power Employees Credit Union rates today: 30 year fixed mortgage 7.27% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Minnesota Power Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/minnesota/minnesota-power-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Minnesota Power Employees Credit Union Rates: Mortgage 7.27% ### Mortgage rates 16 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.273% APR | 7.250% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.500% APR | 7.500% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.386% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.392% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.393% APR | 6.375% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.750% APR | 6.750% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.018% APR | 6.000% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.259% APR | 6.250% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.625% APR | 6.625% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.015% APR | 7.000% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.375% APR | 7.375% | — | Standard | | **20-Year Fixed** 20 year fixed | 7.380% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.379% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.380% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.383% APR | 7.375% | — | Standard | | **Agency 25 Year Fixed** other | 7.625% APR | 7.625% | — | Standard | Minnesota Power Employees Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Minnesota Power Employees Credit Union offers a 30-year fixed mortgage at 7.273% APR (0.228 points). > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/minnesota/minnesota-power-employees) , verified from [Minnesota Power Employees Credit Union's official website](https://mpecu.com/) Best product position **Room to improve vs. the Minnesota median** 30-year fixed mortgage Gap to state best **14 bp** 14 bp from state best Vs. state median **2 bp behind median** 30-year fixed mortgage Products ranked **1** across tracked Minnesota markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.27% | Room to improve vs. the Minnesota median | 14 bp from state best | 2 bp behind median | Published rate position by product as of November 12, 2026 This is the public snapshot. Claim Minnesota Power Employees Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=minnesota-power-employees&state=minnesota&code=MN&name=Minnesota%20Power%20Employees%20Credit%20Union) Loading branch locator… ## About Minnesota Power Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.2K Assets $170.3M Founded 1933 Locations reported 3 NCUA charter 60377 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Harbor Pointe** Downtown Main Office · Duluth · MN · 55802-2014 About 1.9 miles away](https://rateapi.dev/credit-unions/minnesota/harbor-pointe) [**North Shore** Duluth - Lincoln Park · Duluth · MN · 55806-2141 About 1.9 miles away](https://rateapi.dev/credit-unions/minnesota/north-shore) [**Share Advantage** SMDC Branch · Duluth · MN · 55805-1913 About 2.1 miles away](https://rateapi.dev/credit-unions/minnesota/share-advantage) [**Indianhead** SUPERIOR OFFICE · SUPERIOR · WI · 54880 About 3.0 miles away](https://rateapi.dev/credit-unions/wisconsin/indianhead) [**Centricity** Superior Office · Superior · WI · 54880 About 3.0 miles away](https://rateapi.dev/credit-unions/minnesota/centricity) [**Affinity Plus** DULUTH - LAKE SUPERIOR COLLEGE · DULUTH · MN · 55811-3349 About 3.1 miles away](https://rateapi.dev/credit-unions/minnesota/affinity-plus) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Minnesota Power Employees Credit Union Membership eligibility from Minnesota Power Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Minnesota Power Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer ALLETE Inc., Minnesota Power Inc., Superior Water, Light, and Power, ALLETE Properties, ALLETE Clean Energy, BNI Energy, at&t, A.H. Zeppa Family Foundation, Billmans Construction, CenturyLink, Cirrus Aircraft, Como Oil & Propane, Duluth News Tribune, Enbridge (US) Inc., Keglers, LHB, maurices, Sinex Transport, Sisu Healthcare IT Solutions, Stewart Taylor Printing Co., Stryker (f/k/a Physio Controls), The DECC, VC3 (f/k/a CW Technology), Zeitgeist Arts Verified from [Minnesota Power Employees Credit Union's membership page](https://mpecu.com/about-mpecu/membership) . Final membership determination is always made by the credit union. ## Membership rules for Minnesota Power Employees Credit Union Employers 24 · Family 25 published paths to membership, last verified August 21, 2026, quoted from Minnesota Power Employees Credit Union’s own published criteria. ### Employers 24 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of ALLETE Inc. “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of ALLETE Inc. - Employee of Minnesota Power Inc. “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of Minnesota Power Inc. - Employee of Superior Water, Light, and Power “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of Superior Water, Light, and Power - Employee of ALLETE Properties “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of ALLETE Properties - Employee of ALLETE Clean Energy “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of ALLETE Clean Energy - Employee of BNI Energy “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of BNI Energy - Employee of AT&T “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of AT&T - Employee of A.H. Zeppa Family Foundation “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of A.H. Zeppa Family Foundation - Employee of Billmans Construction “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of Billmans Construction - Employee of CenturyLink “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of CenturyLink - Employee of Cirrus Aircraft “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of Cirrus Aircraft - Employee of Como Oil & Propane “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of Como Oil & Propane - Employee of Duluth News Tribune “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of Duluth News Tribune - Employee of Enbridge (US) Inc. “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of Enbridge (US) Inc. - Employee of Keglers “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of Keglers - Employee of LHB “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of LHB - Employee of maurices “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of maurices - Employee of Sinex Transport “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of Sinex Transport - Employee of Sisu Healthcare IT Solutions “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of Sisu Healthcare IT Solutions - Employee of Stewart Taylor Printing Co. “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of Stewart Taylor Printing Co. - Employee of Stryker (f/k/a Physio Controls) “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of Stryker (f/k/a Physio Controls) - Employee of The DECC “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of The DECC - Employee of VC3 (f/k/a CW Technology) “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of VC3 (f/k/a CW Technology) - Employee of Zeitgeist Arts “Full-time or Part-time, Contract, Interns, and Temporary Employees of our Employer Groups” > [source ↗](https://mpecu.com/about-mpecu/membership) - Employee of Zeitgeist Arts ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, child, step-child, parent, brother, sister, grandparent, grandchild, aunt, uncle, niece, nephew, household member “Spouses, children, step-children, parents, brothers, sisters, grandparents, grandchildren, aunts, uncles, nieces, and nephews of current members (relation can be through blood or adoption) A non-relative living with a current member” > [source ↗](https://mpecu.com/about-mpecu/membership) - Family member (spouse, child, step-child, parent, brother, sister, grandparent, grandchild, aunt, uncle, niece, nephew, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Minnesota Power Employees Credit Union? Yes No ## Work at Minnesota Power Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Minnesota Power Employees Credit Union ranks against Minnesota peers. - See which AI assistants fetched Minnesota Power Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Minnesota - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=minnesota-power-employees&state=minnesota&code=MN&name=Minnesota%20Power%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Minnesota Power Employees Credit Union offer? Minnesota Power Employees Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Minnesota Power Employees Credit Union rates updated? RateAPI verifies Minnesota Power Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Minnesota Power Employees Credit Union's rate data? Rate data is collected directly from Minnesota Power Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Minnesota Power Employees Credit Union's mortgage rate? As of November 12, 2026, Minnesota Power Employees Credit Union offers a 30-year fixed mortgage at 7.273% APR. ### Who can join Minnesota Power Employees Credit Union? Minnesota Power Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 25 published membership paths covering 24 employers for Minnesota Power Employees Credit Union, each quoted from Minnesota Power Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Minnesota Power Employees Credit Union's rates against national credit-union benchmarks. [More Minnesota credit unions](https://rateapi.dev/credit-unions/minnesota) [Minnesota mortgage rate leaders](https://rateapi.dev/mortgage-rates/minnesota) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://mpecu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Minnesota Power Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Minnesota credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Minnesota Power Employees Credit Union curl "https://api.rateapi.dev/credit-unions/minnesota /minnesota-power-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Minnesota Power Employees Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/minnesota/minnesota-power-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp