Credit union · NCUA insured
NSP Credit Union
Top CarrotA $36.2M credit union headquartered in Maplewood, MN, with 2,699 members and 1 branch in Minnesota. Best rates: CDs 3.09% and savings 1.01% APY.
NSP Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#10 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About NSP Credit Union
Founded in 1933 with local Twin Cities roots and located in Maplewood, Minnesota, NSP Credit Union focuses on serving employees in the utilities industry.
- Headquarters
- 2303 White Bear Ave N, Suite A, Maplewood, MN 55109
- NCUA charter
- 62733
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to individuals who are currently employed with or retired from specified trade, industry, and professional groups within the North American Industry Classification System (NAICS).
Family and household
- Membership is open to the household of a member, including but not limited to the spouse of a member, and the blood or adoptive relatives of them and their spouses.
- The surviving spouse of a regularly qualified member, and the blood or adoptive relatives of either of them or their spouses may become members.
Cost to join
- Joining requires opening and funding a Member Savings account in branch or online.
Branches
1 branch in Minnesota
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Minnesota
1 branch
- MaplewoodMain office2303 White Bear Ave N, Suite A, Maplewood, MN 55109Directions
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 | 20.93% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.22% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.55% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $76 | $59 | — |
- CapitalNet worth ratio20.93%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.22%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.55%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$76Peers’ 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 NSP Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.