Back to Saint Paul credit unions

Carpenters

720 Olive St, Saint Paul, MN 55130
NCUA Insured3.5 (136 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

720 Olive St

Saint Paul, MN 55130

Service Area

This credit union is located in Saint Paul and serves members in the MN area. Currently serving 15,568 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.48%

Used Auto Loan

6.02%

Personal Loan

9.90%

Credit Card APR

10.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MN

Lowest rates currently reported by credit unions in MN (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.5

136 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Ally Boring

Ally Boring

7 months ago

Terrible customer service! The online banking and card not being tied together is a joke! Their website, is far from user friendly and that's coming from a very computer savvy person. Just give me my money so I can be done with this "credit union". How do I know if ya'll input my email address correctly when I can't see it? I've waited over 45 minutes for an activation code that never came! Yup, email typo on my end. How could I have known since it’s x’ed out? Thanks to Kim’s email for pointing this out.

Tony Love

Tony Love

7 months ago

After subjecting myself to countless terrible banking encounters with this establishment I’ve finally removed all of my money. On more than 5 occasions I have had the pleasure of working with Megan. Each time it’s been an experience to say the least. Zero patience, zero class, and an attitude that is far below acceptable. I even called back after and talked to a so called “supervisor” and explained the situation. Her response was “what do you want me to do about it?” Hmm. if that doesn’t tell you all you need to know… I’d think twice before banking here.

Paul Cholak

Paul Cholak

10 months ago

Horrible bank! They wanted to charge me 10$ per check + 30$ an hour for them to check my past bank records. They’ll automatically close your account if there’s no funds in it even though you’re still employed l, plus the lady there had a horrible attitude. If I knew they were this bad I’d just have my employer send me checks for vacation funds right away rather than dealing with this bank.

Luke VanDenBoom

Luke VanDenBoom

11 months ago

ZERO STARS! This place is such a scam. I only bank here because the union forces me to. They turned on my online bill pay without me ever wanting or using it once. Now they overdraft my account evey month charging me $5 for online bill pay I never wanted or used and they won't turn it off. I hate this bank! - Based on the response here, you can see how unprofessional this place is and how little the staff care about their members. Oh wait, thats because the people who get accounts here are forced to. I did not activate bill pay, in fact I didn't even have access to my account when bill pay was activated. Why would I activate something I've never used and never plan to.

Zoe Ginter

Zoe Ginter

11 months ago

If I could give zero stars I would. DO NOT GO TO THIS PLACE. You’d think the carpenter credit union would be for their workers but they’re not. Just very dirty business work. Thought this would be a great place to get my first car loan from, especially being a union worker myself. But I regret ever even thinking of using this place.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).