Credit union · NCUA insured
St. Paul Federal Credit Union CD Rates
Top CarrotSt. Paul Federal Credit Union’s best CD rate is 3.60% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How St. Paul Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where St. Paul Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Paul Federal Credit Union
3.60%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,934
Share Certificate
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
St. Paul Federal Credit Union CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.60%
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 St. Paul Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.60%APY · 7 terms
Must open a share savings account and maintain the minimum balance of $5.00. Early withdrawal penalties apply (90 days dividends for 6-month term, 180 days dividends for 12, 15, and 18-month terms, 365 days dividends for 24, 36, 48, and 60-month terms).
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsPenalty equals 90 days dividends on the amount withdrawn | 3.25% | — | 3.25% | $161 |
| 12 monthsPenalty equals 180 days dividends on the amount withdrawn | — | 3.25% | 3.25% | $325 |
| 18 monthsPenalty equals 180 days dividends on the amount withdrawn | — | 3.30% | 3.30% | $499 |
| 24 monthsPenalty equals 365 days dividends on the amount withdrawn | — | 3.35% | 3.35% | $681 |
| 36 monthsPenalty equals 365 days dividends on the amount withdrawn | — | 3.40% | 3.40% | $1,055 |
| 48 monthsPenalty equals 365 days dividends on the amount withdrawn | — | 3.50% | 3.50% | $1,475 |
| 60 monthsPenalty equals 365 days dividends on the amount withdrawn | — | 3.60% | 3.60% | $1,934 |
Sources (3)
- stpaulfcu.org/share-certificate-disclosure
- stpaulfcu.org/rates/certificate-rates
- stpaulfcu.org/truth-in-savings-disclosure-2
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
Up to 3.60%APY · 7 terms
Available for Traditional, Roth, and Coverdell Education IRAs. Must open a share savings account and maintain the minimum balance of $5.00. Early withdrawal penalties apply (90 days dividends for 6-month term, 180 days dividends for 12, 15, and 18-month terms, 365 days dividends for 24, 36, 48, and 60-month terms).
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsPenalty equals 90 days dividends on the amount withdrawn | 3.25% | — | 3.25% | $161 |
| 12 monthsPenalty equals 180 days dividends on the amount withdrawn | — | 3.25% | 3.25% | $325 |
| 18 monthsPenalty equals 180 days dividends on the amount withdrawn | — | 3.30% | 3.30% | $499 |
| 24 monthsPenalty equals 365 days dividends on the amount withdrawn | — | 3.35% | 3.35% | $681 |
| 36 monthsPenalty equals 365 days dividends on the amount withdrawn | — | 3.40% | 3.40% | $1,055 |
| 48 monthsPenalty equals 365 days dividends on the amount withdrawn | — | 3.50% | 3.50% | $1,475 |
| 60 monthsPenalty equals 365 days dividends on the amount withdrawn | — | 3.60% | 3.60% | $1,934 |
Sources (3)
- stpaulfcu.org/services/retirement-accounts
- stpaulfcu.org/rates/certificate-rates
- stpaulfcu.org/truth-in-savings-disclosure-2
All captured Sep 18, 2026
Who can join St. Paul Federal Credit Union
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.
Membership information collected October 4, 2026.