Credit union · NCUA insured
St. Paul Federal Credit Union
Top CarrotA $261.6M credit union headquartered in St. Paul, MN, with 15,143 members and 3 branches in Minnesota. Best rates: CDs 3.60% and savings 2.30% APY.
St. Paul Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 95% of U.S. banks and credit unions
#3 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About St. Paul Federal Credit Union
Chartered in November 1953 by St. Paul electricians, St. Paul Federal Credit Union was originally founded to serve union members of IBEW Local 110.
The institution converted to a federal charter in 1987, opened to the entire St. Paul community in 2005, and merged with Capital Trust Federal Credit Union in 2008.
St. Paul Federal Credit Union is a full-service, member-owned, not-for-profit financial institution.
- Headquarters
- 1330 Conway St Ste 200, St. Paul, MN 55106
- NCUA charter
- 24358
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons living, working, worshipping, or doing business in St. Paul or downtown Minneapolis qualify for membership.
Employers and groups
- Membership is open to Local 110 Electricians.
Military, government and schools
- Membership is open to United States Federal Employees.
Family and household
- Families of Local 110 Electricians and United States Federal Employees qualify for membership.
Branches
3 branches in Minnesota
Loading map…
Minnesota
3 branches
- ConwayMain office1330 Conway St Ste 200, St. Paul, MN 55106Directions
- Mortgage and Investment Office475 Etna St, Ste 6, St. Paul, MN 55106Directions
- Skyway St Paul30 7th St E Ste 270, St. Paul, MN 55101Directions
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 | 12.93% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.20% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.65% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $93 | $76 | — |
- CapitalNet worth ratio12.93%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.20%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.65%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$93Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 St. Paul Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.