Credit union · NCUA insured
First Pace CU
A $8.8M credit union headquartered in West St. Paul, MN, with 885 members and 1 branch in Minnesota. Best rates: CDs 2.79% and savings 0.45% APY.
First Pace CU Carrot Score
63
Carrot Score
Higher than 9% of U.S. banks and credit unions
#86 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First Pace CU
Founded in 1963, FIRST PACE Credit Union is a member-owned financial institution chartered by the State of Minnesota.
The credit union was organized to serve O.C.A.W. Union locals and district members, and exclusively serves USW Union members and their families.
- Headquarters
- 161 Marie Ave E, West St. Paul, MN 55118-4004
- NCUA charter
- 64089
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- USW Union members living or working in Minnesota or Wisconsin are eligible for membership.
Family and household
- Any relatives of a joined member are eligible for membership for life.
Cost to join
- A minimum deposit of $10 into a share savings account is required upon completing a membership application.
Branches
1 branch in Minnesota
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Minnesota
1 branch
- FIRST PACE Credit UnionMain office161 Marie Ave E, West St. Paul, MN 55118Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 18.92% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.25% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.82% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $77 | $59 | — |
- CapitalNet worth ratio18.92%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.25%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.82%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$77Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of First Pace CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.