Business Details
50+ Years
experience
Your Trusted Financial Partner in Saint Paul, MN
St Paul Federal Credit Union has served the financial needs of our community since 1953, beginning as a union-focused institution chartered by St. Paul electricians. Over seven decades, we expanded our membership to include all residents of St. Paul and later federal employees in Minneapolis through a strategic merger. Our commitment to hometown service remains unwavering, combining personalized attention with innovative technology to deliver equitable financial solutions. With multiple branch locations and 24/7 digital banking access, we prioritize communication, honesty, and consistency in every member interaction.Our team of financial professionals brings decades of combined experience in credit union operations, mortgage lending, and investment services. As a federally insured institution backed by the NCUA, we maintain strict ethical standards while offering competitive rates on loans, savings products, and insurance services. Our core values drive every decision, ensuring members receive transparent advice and customized solutions that foster long-term financial growth. From auto loans to retirement planning, we provide comprehensive services designed to meet diverse financial needs while maintaining operational excellence.
Services
Auto Loans
Checking Accounts
Credit Cards
Savings Accounts
Mortgages
Personal Loans
Insurance Services
Investment Accounts
Student Loans
Home Equity Loans
Details
- Year established: 1953
Highlights and features
- 70+ years serving Saint Paul's financial needs
- NCUA-insured deposits up to $250,000
- Personalized hometown service with modern technology
- Financial education programs for all members
- 24/7 digital banking access with live support
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Great customer service
Competitive interest rates
Easy online banking
Knowledgeable staff
Quick loan processing
Services
Auto Loans
Our auto loans provide competitive rates starting at 4.29% APR for new and used vehicle purchases. Qualified borrowers receive fast pre-approval with flexible terms. We support local car dealerships while offering online account management for convenient payment tracking.
Checking Accounts
Earn up to $1,000 in annual bonus dividends with our rewards checking accounts. No monthly maintenance fees when using eStatements and debit card regularly. Access 24/7 digital banking with free mobile check deposit and bill payment services.
Credit Cards
Platinum Rewards Visa offers cashback rewards and travel benefits. Balance transfer options available with competitive APR rates. Enjoy zero liability protection and exclusive merchant discounts through our ScoreCard Rewards program.
Savings Accounts
Grow your money with competitive savings rates up to 4.99% APR. Specialized accounts include money market funds and certificates with tiered interest rates. Maintain minimum balances to maximize earnings potential.
Mortgages
Fixed and adjustable rate mortgages available for home purchases and refinancing. Competitive real estate loan rates with personalized underwriting. Online pre-approval process and local loan servicing for Minnesota residents.
Questions
What are your current auto loan rates?
Our auto loan rates start at 4.29% APR for qualified borrowers. Rates vary based on credit history and loan term length.
How do I access 24/7 account services?
Use our online eBanking portal or mobile app for 24/7 access. Call our 24/7 call center at 1-800-782-5767 for immediate assistance.
What membership requirements apply?
Anyone living, working, or doing business in Saint Paul qualifies. Federal employees in Minneapolis also eligible through our expanded field of membership.
Do you offer mortgage refinancing options?
Yes, we provide competitive mortgage refinancing with personalized rate quotes. Online pre-approval available for Minnesota residents.
What credit card benefits are available?
Our Platinum Rewards Visa offers cashback rewards, travel insurance, and exclusive merchant discounts through ScoreCard Rewards program.
How can I schedule a financial consultation?
Contact your local branch to schedule a free financial consultation with our certified advisors for personalized wealth management strategies.