NCUA Insured
Member-Owned
1 charter
Established in 1953
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
This credit union serves members from multiple groups — including occupational, associational, or community bonds. Contact them to confirm your eligibility.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1953
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Saint Paul and serves members in the MN area. Currently serving 14,969 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
4.29%Used Auto Loan
4.29%Personal Loan
12.50%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.
Lowest rates currently reported by credit unions in MN (NCUA Q4 2025).
Rochester, MN
Brainerd, MN
Woodbury, MN
Dawson, MN
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.6
535 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsIsaac Gomez Garcia
3 months ago
I had a great experience working with David on my auto loan. From the very beginning, he was professional, patient, and extremely responsive. This was a major purchase for me, and he took the time to clearly explain the financing options, interest rate, loan terms, and next steps so I always felt informed and confident in my decisions. There were a few moving parts between the dealership and the credit union, and David stayed on top of communication the entire time. He made sure everything was handled efficiently and followed up whenever needed. I never felt rushed or pressured, and he was always willing to answer my questions thoroughly. Overall, he made what could have been a stressful process feel smooth and manageable. I truly appreciate his professionalism and support from start to finish. I would highly recommend working with David if you’re financing a vehicle through St. Paul Federal Credit Union.
maricar
3 weeks ago
I had a very smooth and positive experience with Pahoua Thao at St. Paul Federal Credit Union. She was very professional, patient, and helpful throughout the entire process. She explained everything clearly, answered all my questions, and made the account and auto loan process easy and stress-free. As a newcomer, I truly appreciated her kindness, support, and excellent customer service. She made me feel welcomed and well-assisted from start to finish. Highly recommended for anyone looking for reliable and professional financial assistance. Thank you again, Pahoua!
Farai Mudzingwa
3 months ago
My wife and I recently worked with David DeSantiago to purchase a car, and we couldn't be happier with our experience. As first-time buyers with a complicated out-of-state purchase, we had lots of questions, but David was incredibly patient and knowledgeable about the whole process. He made everything easy to understand and was always friendly and helpful. We really enjoyed working with him and will definitely return to him for any future financing needs. Highly recommend!
Safiyya Carrim
3 months ago
Pahoua was fantastic to work. She was Diligent, efficient, and very responsive. Pahoua went above and beyond to ensure everything regarding our documents were ready in a timely fashion. I would highly recommend you ask specifically for Pahoua for all your loan/banking needs. I will be back to work with Saint Paul federal credit union in the future as long as Pahoua is working there.
Kiev Basaca
4 months ago
Dealing with St. Paul Federal Credit Union has been completely hassle-free. They offer great interest rates that fit your budget and truly help you get what you need. We especially want to thank Pahoua Thao for assisting us with our auto loan. She is kind, polite, and very knowledgeable. She guided us through every step, helped us choose the right package to save money, and patiently answered all of our questions. We also appreciate how clearly she communicates. Her English is excellent, and she explains everything in an easy-to-understand way. We highly recommend St. Paul Federal Credit Union, and especially Pahoua Thao. Thanks to them, we are now enjoying our first car with a low monthly payment. Thank you, Pahoua and St. Paul Federal Credit Union!
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(651) 772-8744Website
Visit WebsiteMembers
14,969
Total Assets
$258.6M
Year Opened
1953
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile