--- title: "Best Credit Union Mortgage Rates in Saint Paul" description: "Saint Paul credit union mortgage rates, November 2026: 30-year fixed from 7.134% APR at Red Wing. 9 Minnesota lenders compared from real rate sheets — no paid ranking." canonical: "https://rateapi.dev/mortgage-rates/minnesota/saint-paul" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Mortgage Rates in Saint Paul Saint Paul credit union mortgage rates, November 2026: 30-year fixed from 7.134% APR at Red Wing. 9 Minnesota lenders compared from real rate sheets — no paid ranking. Updated November 2026 Minnesota Credit Unions **Key takeaways:** 30-year fixed mortgage rates for Saint Paul credit unions range from **7.134%** to **7.517% APR** (median 7.250%) across 9 Minnesota lenders, as of November 2026. Rates are ranked by true cost with zero affiliate bias. See our [methodology](https://rateapi.dev/methodology) for how these figures are collected. [Home](https://rateapi.dev/) / [Mortgage Rates](https://rateapi.dev/mortgage-rates) / [Minnesota](https://rateapi.dev/mortgage-rates/minnesota) / Saint Paul 7.134% Lowest 30yr APR Red Wing 7.250% Median APR 7.517% Highest APR 9 Minnesota Lenders Saint Paul mortgage rates range from 7.134% to 7.517% APR for 30-year fixed loans. Data from 48 credit unions in Minnesota, updated November 2026. > Source: [RateAPI.dev](https://rateapi.dev/mortgage-rates/minnesota/saint-paul) ## Top Credit Unions for Saint Paul Mortgages Ranked by lowest APR. Based on a $400,000 loan over 30 years. | Credit Union | Rate | APR | Est. Payment | | Sharepoint Credit Union 30-Year Fixed, Refinance | 6.665% | 6.665% | $2,572/mo | [Visit Site](https://www.sharepointcu.com/) | Accentra Credit Union 30-Year Fixed | 7.25% | 7.25% | $2,729/mo | [Visit Site](https://www.accentracu.org/) | Blaze Credit Union 30 Year Fixed - Second Home | 7.25% | 7.391% | $2,767/mo | [Visit Site](https://blazecu.com/) | ## 30-Year vs 15-Year Fixed in Saint Paul Credit unions serving Saint Paul publish a 30-year fixed benchmark; 15-year figures appear here as soon as enough Minnesota lenders post them. | Term | Lowest APR | Lowest-rate credit union | Credit union median | Lenders | | 30-Year Fixed | 7.134% | Red Wing | 7.250% | 9 | | 15-Year Fixed | — | — | 6.623% | 2 | Rates as of November 12, 2026, from published Minnesota credit union rate sheets. ## How to Get the Best Mortgage Rate in Saint Paul Credit unions serving Saint Paul often offer lower mortgage rates than traditional banks because they're member-owned non-profits. Here's how to qualify for the best rates: 1 #### Check Your Credit Score Scores above 740 typically qualify for the best rates in Saint Paul. Most credit unions require a minimum of 620-680 for mortgages. 2 #### Join a Credit Union Many credit unions serving Saint Paul have flexible membership requirements. Some are open to anyone who lives, works, or worships in Minnesota. 3 #### Compare Multiple Lenders Even a 0.25% difference in APR can save you thousands over the life of your Saint Paul home loan. Compare at least 3-5 lenders. 4 #### Consider Points Paying points upfront can lower your rate. This makes sense if you plan to stay in your Saint Paul home long-term. ## Credit Unions Based in Saint Paul 6 credit unions are headquartered in Saint Paul. Local membership is often the easiest to qualify for — many accept anyone who lives or works in the area. [Affinity Plus Credit Union rates](https://rateapi.dev/credit-unions/minnesota/affinity-plus) [Catholic United Financial Credit Union rates](https://rateapi.dev/credit-unions/minnesota/catholic-united-financial) [City & County Credit Union rates](https://rateapi.dev/credit-unions/minnesota/city-county) [Farm Credit Employees Credit Union rates](https://rateapi.dev/credit-unions/minnesota/farm-credit-employees) [Metropolitan Services Credit Union rates](https://rateapi.dev/credit-unions/minnesota/metropolitan-services) [St. Paul Credit Union rates](https://rateapi.dev/credit-unions/minnesota/st-paul) ### Mortgage Rates in Minnesota [All Minnesota Rates](https://rateapi.dev/mortgage-rates/minnesota) [Minneapolis](https://rateapi.dev/mortgage-rates/minnesota/minneapolis) [Duluth](https://rateapi.dev/mortgage-rates/minnesota/duluth) [Austin](https://rateapi.dev/mortgage-rates/minnesota/austin) [Bloomington](https://rateapi.dev/mortgage-rates/minnesota/bloomington) [Woodbury](https://rateapi.dev/mortgage-rates/minnesota/woodbury) ### Other Loan Products [Minnesota Credit Unions](https://rateapi.dev/credit-unions/minnesota) [National Mortgage Benchmark](https://rateapi.dev/mortgage-rate-benchmark) [HELOC Rates](https://rateapi.dev/heloc-rates) [Auto Loan Rates](https://rateapi.dev/auto-loan-rates) [Personal Loan Rates](https://rateapi.dev/personal-loan-rates) ## Frequently Asked Questions Common questions about mortgage rates in Saint Paul As of November 2026, 30-year fixed mortgage rates in the Saint Paul metro area range from 7.134% to 7.517% APR across credit unions serving Minnesota. The median rate is 7.250% APR. What are the current mortgage rates in Saint Paul? To get the best mortgage rate in Saint Paul: 1) Compare rates from multiple credit unions serving the Saint Paul metro area, 2) Improve your credit score above 740, 3) Consider paying points upfront for a lower rate, 4) Shop within a 14-day window to minimize credit score impact, 5) Get pre-approved before house hunting. How do I get the best mortgage rate in Saint Paul? Yes, credit unions serving Saint Paul, Minnesota typically offer lower mortgage rates than traditional banks. Because credit unions are member-owned non-profits, they return savings to members through lower rates and fees. On a $400,000 mortgage, this can save $50,000-$100,000 over 30 years. Are credit union mortgage rates lower in Saint Paul? For the best mortgage rates in Saint Paul, aim for a credit score of 740 or higher. Scores between 700-739 qualify for good rates, while 620-699 may face higher rates. Credit unions in Minnesota have varying requirements, so compare options even with lower scores. What credit score do I need for the best mortgage rates in Saint Paul? How much house you can afford in Saint Paul depends on your income, debts, down payment, and current mortgage rates. Most lenders prefer your total housing costs (including taxes and insurance) to be below 28% of gross income. Use current Saint Paul rates to calculate your maximum affordable home price. 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