St. Paul Credit Union MN | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to St. Paul, your trusted partner in financial wellness! Located at 1330 Conway St Ste 200, Saint Paul, MN 55106, we are proud to serve our community since 1953. With over 14,810 members benefiting from our services, we are committed to providing a supportive environment where you can achieve your financial goals. At St. Paul Credit Union, we manage assets totaling an impressive $254,209,653, ensuring that your money is safe and growing. Our members have access to a variety of financial products including auto loans, mortgages, and personal loans with total loans amounting to 10,024. We take pride in our ability to offer competitive interest rates and personalized service tailored to each member's needs. Our dedicated team of 28 employees, led by CEO Thomas Glatt and Board President Donald Sinna, works tirelessly to foster strong relationships with our members. Together, we aim to make banking easier and more accessible for everyone in our community. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 1330 Conway St Ste 200, Saint Paul, MN 55106. Whether you're looking for checking accounts or planning for retirement, we invite you to explore our services further at stpaulfcu.org. Don't hesitate to reach out via phone at 651-772-8744; we're here to help you every step of the way! Join us today and experience the difference that community-focused banking can make!

Branch History & Mission

Community Commitment

St. Paul is deeply invested in the well-being of our local community. Through partnerships with various organizations and outreach efforts, we strive to make a positive impact on those around us. We recognize that financial literacy is crucial for success, which is why we host workshops and informational sessions aimed at helping our members make informed decisions about their finances. Our dedication goes beyond just numbers; it's about building relationships based on trust and support. With accessible ATM availability and drive-thru banking options alongside shared service centers for additional convenience, we ensure that your banking experience fits seamlessly into your daily life. We invite you to join us at St. Paul Credit Union and experience firsthand the benefits of being part of an institution that truly cares about its members. Whether you're new to banking or looking for better options, let us help you achieve your financial dreams today! Feel free to reach out at (651) 772-8744 or visit us during our operating hours: Monday through Friday from 8 AM to 6 PM and Saturday from 9 AM to 12 PM. Your future starts here with us!

Our Mission

Our mission at St. Paul is clear: we aim to empower our members through personalized financial services while fostering a strong sense of community. We believe in making banking accessible and straightforward. That's why we offer essential services like online banking and mobile applications for easy access to your accounts anytime, anywhere. Additionally, we provide basic drive-thru banking and shared branch transactions for added convenience. We understand that each member's journey is unique. Therefore, we prioritize customer-centric initiatives that make your experience as smooth as possible. We embrace technology while ensuring ADA compliance so that all members can utilize our services without barriers.

Branch Location & Accessibility

Welcome to St. Paul, your friendly neighborhood credit union located at 1330 Conway St Ste 200, Saint Paul, MN 55106. Nestled in the heart of Ramsey County, our branch is conveniently situated near local favorites and essential services, making it easy for you to stop by whether you're running errands or just out enjoying the day. At St. Paul, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ample parking so you can visit us with ease. Plus, if you ever need to conduct business outside regular hours, our drive-thru service is available for quick deposits and withdrawals. We know that your time is valuable, which is why we offer flexible operating hours: Monday through Friday from 8 AM to 6 PM and Saturday from 9 AM to 12 PM. This means you can drop by when it's most convenient for you! Have questions? Feel free to give us a call at 651-772-8744; our team is ready to assist you. While members can visit us at our main location, official correspondence should be sent to the same address at 1330 Conway St Ste 200, Saint Paul, MN 55106. Additionally, we're pleased to provide ATM access for your convenience along with shared services for basic transactions. We invite you to come see us soon! Whether you're looking for personal banking solutions or simply want to learn more about our services like auto loans, mortgage options, and online banking our friendly staff is here to help every step of the way. Don't hesitate; visit St. Paul today!

Member Eligibility

At St. Paul, we believe that everyone deserves a chance to be part of a caring financial community. If you're looking to join us, you'll find that becoming a member is straightforward and welcoming. To be eligible, you simply need to live, work, or worship in the areas we serve or have a family member who is already a member. This means that many people in our community can enjoy the benefits we offer, from competitive loan rates to personalized service. For the most accurate and detailed information on eligibility, feel free to check out our website at https://stpaulfcu.org/apply-join-now/ . Ready to open an account? It's as easy as pie! Just visit us at our branch located at 1330 Conway St Ste 200 Saint Paul Mn 55106, or you can also start the process online through this link: https://stpaulfcu.org/apply-join-now/ . If you have any questions along the way, don't hesitate to reach out at (651) 772-8744. We're excited to welcome you into the St. Paul family!

Business Banking & Commercial Services

Business Loans That Drive Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $4 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $551,259, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Every Need

In addition to loans, we offer comprehensive merchant services that make everyday transactions easier. Picture this: your customers can pay seamlessly with card transactions while you enjoy competitive processing rates. This allows you to focus on what matters most growing your business. Whether it's through personalized loan options or effective merchant services, St. Paul is here to empower your business journey. Visit us at 1330 Conway St Ste 200 Saint Paul Mn 55106 or give us a call at (651) 772-8744 to learn more about how we can assist you today!

Comprehensive List Of Services

Accessing Cash Made Easy

We know that sometimes all you need is quick access to cash. Our ATMs are available for easy withdrawals and balance checks whenever you need them. With basic drive-thru banking services available for deposits and simple transactions, we've made it convenient for you to handle your banking needs without stepping inside the branch. Additionally, if you're a member of a partner credit union, take advantage of our shared branch transactions for deposits and withdrawals it's all about making banking easier for our community! With so many services tailored just for you at St. Paul, we invite you to reach out with any questions or visit us at 1330 Conway St Ste 200 Saint Paul Mn 55106 in Saint Paul, MN. You can also give us a call at (651) 772-8744 or check out our website at Conway to learn more about how we can assist you today!

Business Banking Services

For entrepreneurs and small business owners, we offer comprehensive business banking solutions. This includes everything from merchant services that allow you to accept payments seamlessly to business loans designed to help your business grow. We're here to support your entrepreneurial journey every step of the way.

Digital Convenience

In today's fast-paced world, having access to your finances at your fingertips is crucial. That's why we provide robust online and mobile banking options. Manage your accounts anytime, anywhere with ease. Whether it's checking your balance or making transfers, our digital tools ensure that banking is simple and efficient.

Personal Banking Solutions

For individuals looking to manage their finances effectively, our personal banking options are designed for convenience and accessibility. We offer checking and savings accounts that help you save money while keeping it safe. Whether you're saving for a vacation or building an emergency fund, we have accounts to fit your needs. Need a new vehicle? Our auto loans and vehicle financing options make it easy to drive off in your dream car without breaking the bank. And if you're considering buying a home, explore our mortgage loans and refinancing services that can help you secure a comfortable payment plan tailored just for you.

Support for Everyday Needs

Sometimes, life throws unexpected expenses your way. Our personal loans and debt consolidation services can provide the financial relief you need, allowing you to focus on what matters most. Plus, with our credit cards featuring rewards, you can earn while you spend making every purchase more rewarding.

Digital & Online Banking

E-Statements and Mobile App

We also provide e-statements to help you keep track of your finances in an eco-friendly way. No more paper clutter your statements are just a click away! Our mobile application further enhances your banking experience, allowing you to access all these features right from your smartphone.

Key Features

Our online banking platform makes it easy for you to check balances, transfer funds, and pay bills all from the comfort of your home or on the go. If you're ever in need of quick cash, our person-to-person transfer feature allows you to send money instantly to friends or family members. Plus, our electronic signature authorization option means you can sign documents digitally without needing to visit a branch.

Security You Can Trust

When it comes to security, we've got you covered. Our online services utilize advanced encryption technology to ensure your information stays safe. So whether you're making payments or checking your balance, you can feel confident that your data is protected. With everything from mobile payments to real-time account management at your fingertips, digital banking at St. Paul is not just about convenience; it's about empowering you with control over your finances. Experience the ease of banking today by visiting us online at https://stpaulfcu.org/ !

Financial Strength

A Dedicated Team

We also take pride in having 28 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. With net shares available for lending and investments totaling $572,295, we're prepared to meet your needs.

Growing Together

Total Share Accounts stand at 25,458, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, St. Paul is your trusted partner. Visit us at 1330 Conway St Ste 200 Saint Paul Mn 55106 or call (651) 772-8744 to learn more about how we can help you achieve your financial goals.

Investing Back Into Our Community

With $28,860,042 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This means more opportunities for you when it comes to your finances.

Member Savings Security

Members' savings are secured through $62,167,512 in share certificates and $32,354,771 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Solid Financial Base

With a net worth of $30,261,096, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,188 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Support for Your Financial Goals

Our lending capacity supports members' financial goals across various sectors with $3,079 in used auto loans and $191,400,083 in total loans and leases. Our recent $836,752 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $59,874,003 in used vehicle loans and $35,133,059 in new vehicle loans already helping members get on the road. We provide financing options that are flexible and tailored to meet your specific needs, making it easier for you to drive away in the vehicle you want.

Business Loans

For business owners, our outstanding commercial loans totaling $551,259 provide the capital needed to grow and expand your operations. We understand the unique challenges businesses face and are committed to supporting local entrepreneurs with tailored financial solutions. If you're considering refinancing any of these options or exploring eligibility, our knowledgeable staff at St. Paul is ready to assist you in understanding your choices. You can reach us at (651) 772-8744, or visit us at our branch located at 1330 Conway St Ste 200 Saint Paul Mn 55106, Saint Paul, MN. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you navigate your financial journey let's get started today!

Credit Lines and Unsecured Credit Cards

We also have a robust offering of credit lines totaling $37,147,339, which can provide you with the flexibility you need for unexpected expenses or planned purchases. Additionally, our unsecured credit card loans total $11,475,105, allowing members to manage their finances effectively with competitive rates and terms.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $15,555,912, make buying or refinancing simple. Whether you are a first-time buyer or looking to refinance your existing mortgage, our team is here to guide you through the process and help find the right solution for you.

Loan Aggregator

How LendMesh Ensures Accurate Comparisons

LendMesh prides itself on providing verified data. All loan offers come from legitimate financial institutions, allowing for clear visibility into what each lender provides. Unlike many other platforms, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. This means that every result is genuinely reflective of the available options without bias. The platform also features real-time rate comparisons. By continuously updating its data from multiple institutions, LendMesh empowers users to make informed decisions about their borrowing needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the positive impact LendMesh has had on real people's financial journeys. To take advantage of these benefits and find competitive loan rates tailored to your needs, compare real-time loan offers today at LendMesh. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

ST. PAUL FEDERAL CREDIT UNION