Credit union · NCUA insured
NSP Credit Union Savings Rates
Top CarrotNSP Credit Union’s best savings rate is 1.01% APY on $10,000, with its WINcentive® Savings Account. Rates checked October 16, 2026.
How NSP Credit Union’s savings rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where NSP Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
NSP Credit Union
1.01%APY
- Minimum
- —
- Earns on $10,000 a year
- $101
WINcentive® Savings Account
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
NSP Credit Union savings score
86
Savings score
Higher than 73% of U.S. banks and credit unions
- $1,000 balance$1,0001.01%
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0001.01%
- QualifiedQualified1.01%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where NSP Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
WINcentive® Savings Account
1.01%APY
$5 minimum balance. Unlimited deposits allowed. Earn prize entries for every $25 increase in monthly savings (limit 4 entries per month). Maximum of two withdrawals per 12-month period with early withdrawal penalties of $10 for first and $25 for second; more than 2 withdrawals results in account closure and 90-day ineligibility to reopen.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends paid on a monthly basis. Early withdrawal penalties apply ($10 for 1st withdrawal, $25 for 2nd withdrawal in a 12-month period).$5 and up | 1.01% | $101 | Dividends paid on a monthly basis. Early withdrawal penalties apply ($10 for 1st withdrawal, $25 for 2nd withdrawal in a 12-month period). |
Member Savings Account
0.08%APY
Establishes membership with NSP St. Paul Credit Union. $10 minimum deposit to open and maintain membership. Government-issued picture ID required. Dividends paid on account balance over $200. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $200Dividends paid on account balance over $200; dividends paid on a monthly basis.Over $200 | 0.08% | $8 | Dividends paid on account balance over $200; dividends paid on a monthly basis. |
Special-purpose accounts
Coverdell Education Savings Account
0.80%APY
No setup or annual fee. $10 minimum deposit to open. $2,000 maximum annual contribution per child. Designated beneficiary must be under 18 when contributions are made; funds must be withdrawn by age 30.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid on a monthly basis.Any balance | 0.80% | $80 | Dividends paid on a monthly basis. |
Individual Retirement Accounts (IRAs)
0.80%APY
Traditional and Roth IRA options. No setup fees, no monthly or annual maintenance fees. $10 minimum deposit to open. $5,500 contribution limit per year (plus $1,000 catch-up for ages 50+).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Traditional (no income limitations) and Roth (income limitations) IRAs. Dividends paid on a monthly basis.Any balance | 0.80% | $80 | Applies to Traditional (no income limitations) and Roth (income limitations) IRAs. Dividends paid on a monthly basis. |
Who can join NSP Credit Union
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.
Membership information collected October 4, 2026.