--- title: "St. Paul Credit Union Rates - Minnesota" description: "Current boat loan, credit card, and savings & cd rates from St. Paul Credit Union in Minnesota. Updated daily with source verification. See who can join St. Paul Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/minnesota/st-paul" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # St. Paul Credit Union Rates - Minnesota ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Help Support The Marine Toys For Tots Foundation** boat | — APR | 3.600% | — | Standard | St. Paul Credit Union auto & vehicle rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Win a $250 Visa Gift Card with KOFE!** credit_card | — APR | 1.950% | — | Advertised floor | St. Paul Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Veterans Day Closure Notice** savings | — APY | 3.60% | — | Standard | St. Paul Credit Union savings & cd rates as of November 12, 2026 St. Paul Credit Union is a credit union in Minnesota. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/minnesota/st-paul) , verified from [St. Paul Credit Union's official website](https://stpaulfcu.org/) Loading branch locator… ## About St. Paul Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 15.1K Assets $261.6M Founded 1953 Locations reported 3 NCUA charter 24358 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products 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. [**Metropolitan Services** Main Office · Saint Paul · MN · 55106-5845 About 0.3 miles away](https://rateapi.dev/credit-unions/minnesota/metropolitan-services) [**Affinity Plus** Saint Paul - Lafayette · Saint Paul · MN · 55107-1420 About 1.8 miles away](https://rateapi.dev/credit-unions/minnesota/affinity-plus) [**Carpenters** Carpenters Credit Union Main · Saint Paul · MN · 55130-4405 About 2.0 miles away](https://rateapi.dev/credit-unions/minnesota/carpenters) [**Blaze** Westminster Admin Office · St Paul · MN · 55103 About 2.0 miles away](https://rateapi.dev/credit-unions/minnesota/blaze) [**City & County** Main Office · Saint Paul · MN · 55101 About 2.4 miles away](https://rateapi.dev/credit-unions/minnesota/city-county) [**Farm Credit Employees** Main Office · Saint Paul · MN · 55101-4958 About 2.5 miles away](https://rateapi.dev/credit-unions/minnesota/farm-credit-employees) 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 St. Paul Credit Union Membership eligibility from St. Paul Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on St. Paul Credit Union's website. Check the membership page below to confirm whether you qualify. - Location MN - Employer United States Federal Employees, Federal Public Defender’s Office (3-11-02), United States Attorney’s Office (3-11-02), United States Bankruptcy Court (3-11-02), United States Secret Service (3-11-02), Office and Professional Employees International Union (OPEIU) Local 12 - Association Local 110 Electricians, Office and Professional Employees International Union (OPEIU) Local 12 - Occupation federal_government_employee Verified from [St. Paul Credit Union's membership page](https://stpaulfcu.org/membership-requirements/) . Final membership determination is always made by the credit union. ## Membership rules for St. Paul Credit Union Geography 16 · Employers 8 · Associations 2 · Family 3 · Other 30 published paths to membership, last verified August 27, 2026, quoted from St. Paul Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Downtown Minneapolis, MN - Minneapolis, MN - St. Paul, MN “If you live, work, worship or do business in St. Paul or downtown Minneapolis you qualify for membership in the St. Paul Federal Credit Union.” > [source ↗](https://stpaulfcu.org/become-a-member/) ### Employers 8 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of United States Federal Employees “Membership is also open to employment groups including Local 110 Electricians and United States Federal Employees” > [source ↗](https://stpaulfcu.org/become-a-member/) - Employee of United States Federal Employees - Employee of Federal “Federal Public Defender’s Office (3-11-02)” > [source ↗](https://stpaulfcu.org/membership-requirements/) - Employee of Federal - Employee of United States Attorney's Office “United States Attorney’s Office (3-11-02)” > [source ↗](https://stpaulfcu.org/membership-requirements/) - Employee of United States Attorney's Office - Employee of United States Bankruptcy Court “United States Bankruptcy Court (3-11-02)” > [source ↗](https://stpaulfcu.org/membership-requirements/) - Employee of United States Bankruptcy Court - Retired employee of United States Bankruptcy Court “United States Bankruptcy Court (3-11-02)” > [source ↗](https://stpaulfcu.org/membership-requirements/) - Retiree of United States Bankruptcy Court - Employee of Secret Service “United States Secret Service (3-11-02)” > [source ↗](https://stpaulfcu.org/membership-requirements/) - Employee of Secret Service - Retired employee of Secret Service “United States Secret Service (3-11-02)” > [source ↗](https://stpaulfcu.org/membership-requirements/) - Retiree of Secret Service - Employee of employees “Employees, members and affiliates of the Office and Professional Employees International Union (OPEIU) Local 12 in Roseville, Minnesota who qualify for membership in accordance with its constitution and bylaws as of the date of this charter;” > [source ↗](https://stpaulfcu.org/membership-requirements/) - Employee of employees ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of Local 110 Electricians (as written on the source page) “Membership is also open to employment groups including Local 110 Electricians” > [source ↗](https://stpaulfcu.org/become-a-member/) - Member of Local 110 Electricians - Member of union “Employees, members and affiliates of the Office and Professional Employees International Union (OPEIU) Local 12 in Roseville, Minnesota who qualify for membership in accordance with its constitution and bylaws as of the date of this charter;” > [source ↗](https://stpaulfcu.org/membership-requirements/) - Member of union ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “Membership is also open to employment groups including Local 110 Electricians and United States Federal Employees and their families” > [source ↗](https://stpaulfcu.org/become-a-member/) - Family member of a member - Family Of Deceased surviving spouse “Spouses of persons who have died within the field of membership of this credit union;” > [source ↗](https://stpaulfcu.org/membership-requirements/) - Family member (surviving spouse) of a deceased eligible person - Family of someone eligible spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, household member “Members of the immediate families of persons qualifying for membership. Immediate family eligibility is limited to spouse, child, sibling, parent, grandparent or grandchild. For the purposes of this definition, immediate family member included stepparents, stepchildren, stepsiblings and adoptive…” > [source ↗](https://stpaulfcu.org/membership-requirements/) - Family member (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, household member) of an eligible person ### Other 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Occupation - Other “Federal employees who live in, work in, or are directly supervised from St. Paul, Minnesota except employees of Federal offices and agencies where separate employee credit unions exist;” > [source ↗](https://stpaulfcu.org/membership-requirements/) - Occupation: federal_government_employee — except: employees of Federal offices and agencies where separate employee credit unions exist 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 St. Paul Credit Union? Yes No ## Work at St. Paul 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 St. Paul Credit Union ranks against Minnesota peers. - See which AI assistants fetched St. Paul 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=st-paul&state=minnesota&code=MN&name=St.%20Paul%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does St. Paul Credit Union offer? St. Paul Credit Union currently offers Boat loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are St. Paul Credit Union rates updated? RateAPI verifies St. Paul 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 St. Paul Credit Union's rate data? Rate data is collected directly from St. Paul Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join St. Paul Credit Union? St. Paul Credit Union publishes its membership criteria on its own website. RateAPI tracks 30 published membership paths covering 16 geographic areas, 8 employers, 2 associations and 1 other for St. Paul Credit Union, each quoted from St. Paul Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare St. Paul Credit Union's rates against national credit-union benchmarks. [More Minnesota credit unions](https://rateapi.dev/credit-unions/minnesota) [Minnesota auto loan rate leaders](https://rateapi.dev/auto-loan-rates/minnesota) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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://stpaulfcu.org/) ### 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 St. Paul 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 St. Paul Credit Union curl "https://api.rateapi.dev/credit-unions/minnesota /st-paul " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## St. Paul 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/st-paul Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp