Credit union · NCUA insured
St. Paul Federal Credit Union Savings Rates
Top CarrotSt. Paul Federal Credit Union’s best savings rate is 2.30% APY on $10,000, with its Capital Money Market Account. Rates checked October 16, 2026.
How St. Paul Federal Credit Union’s savings 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
2.30%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $230
Capital Money Market 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
St. Paul Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0002.30%
- $100,000 balance$100,0002.70%
- QualifiedQualified2.30%
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 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.
Capital Money Market Account
2.30%APY
Must maintain a minimum daily balance of $2,500.00 to earn dividends and avoid forfeiture of dividends for days below the minimum. Minimum opening deposit is $2,500.00. Dividends are calculated using the daily balance method, compounded monthly, and credited monthly. Minimum withdrawal amount is $100.00 per withdrawal. Limited to 6 preauthorized, automatic, or electronic withdrawals/transfers per monthly cycle. Membership requires maintaining at least one share ($5.00) in a share savings account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Minimum balance of $2,500.00 required to open and earn dividends. Dividends do not accrue on days balance is below $2,500.00. | 2.30% | $230 | Minimum balance of $2,500.00 required to open and earn dividends. Dividends do not accrue on days balance is below $2,500.00. |
| $10,000 – $25,000Minimum balance of $2,500.00 required to open and earn dividends. Dividends do not accrue on days balance is below $2,500.00. | 2.50% | — | Minimum balance of $2,500.00 required to open and earn dividends. Dividends do not accrue on days balance is below $2,500.00. |
| $25,000 – $50,000Minimum balance of $2,500.00 required to open and earn dividends. Dividends do not accrue on days balance is below $2,500.00. | 2.60% | — | Minimum balance of $2,500.00 required to open and earn dividends. Dividends do not accrue on days balance is below $2,500.00. |
| $50,000 – $100,000Minimum balance of $2,500.00 required to open and earn dividends. Dividends do not accrue on days balance is below $2,500.00. | 2.70% | — | Minimum balance of $2,500.00 required to open and earn dividends. Dividends do not accrue on days balance is below $2,500.00. |
| Over $100,000Minimum balance of $2,500.00 required to open and earn dividends. Dividends do not accrue on days balance is below $2,500.00. | 2.75% | — | Minimum balance of $2,500.00 required to open and earn dividends. Dividends do not accrue on days balance is below $2,500.00. |
WINcentive Savings Account
0.50%APY
Restricted prize-linked savings account promoting a minimum 12-month savings period. Each $25 increase in month-over-month balance earns prize drawing entries (up to 4 entries/month). Maximum of 2 withdrawals permitted per 12-month period ($10 penalty for 1st withdrawal, $25 penalty for 2nd withdrawal; 3rd withdrawal results in account closure). Automatically renews at end of 12 months with a 30-day penalty-free rollover window. Minimum $1.00 daily balance required to receive dividend.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1 and up | 0.50% | $50 |
Sources (3)
- stpaulfcu.org/rates/share-savings-rates
- stpaulfcu.org/truth-in-savings-disclosure-2
- stpaulfcu.org/wincentive-savings-account-disclosure
All captured Sep 18, 2026
Future Funds Account
0.18%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.18% | $18 |
Sources (1)
- stpaulfcu.org/rates/share-savings-rates · captured Sep 18, 2026
Capital Savings Account
0.12%APY
Minimum daily balance of $50 required to earn dividends; $5 minimum opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $50 and up | 0.12% | $12 |
Sources (3)
- stpaulfcu.org/rates/share-savings-rates
- stpaulfcu.org/services/savings-account
- stpaulfcu.org/truth-in-savings-disclosure-2
All captured Sep 18, 2026
Special-purpose accounts
IRA Savings
1.70%APY
Dividends compounded and credited monthly. Daily balance method. Must maintain minimum daily balance of $2,500.00 to receive stated dividend. Early withdrawal fee of $25.00 assessed for each withdrawal prior to age 59 1/2.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 1.70% | $170 |
| $10,000 – $25,000 | 1.75% | — |
| $25,000 – $50,000 | 1.80% | — |
| $50,000 – $100,000 | 1.85% | — |
| Over $100,000 | 1.95% | — |
Sources (2)
All captured Sep 18, 2026
Capital Youth Savings
0.18%APY
Must be under age 18 to qualify. Dividends compounded and credited monthly. Daily balance method. No minimum daily balance required to maintain account and receive disclosed dividend.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust be under age 18 to qualify.$5 and up | 0.18% | $18 | Must be under age 18 to qualify. |
Sources (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.