Rates

Rates

Loans | Savings | Certificates

Rates effective 04-30-2008. Discounts may apply.

Loans	Rate	*APR	Term
2007-2008 (15,000 Miles or Less) Car, Truck, Motorcycle, Boat, Motor Home or RV 36 Months	4.75	4.75	36	Calculator
2007-2008 (15,000 Miles or Less) Car, Truck, Motorcycle, Boat, Motor Home or RV 48 Months	5.50	5.50	48	Calculator
2007-2008 (15,000 Miles or Less) Car, Truck, Motorcycle, Boat, Motor Home or RV 60 Months	5.75	5.75	60	Calculator
2007-2008 (15,000 Miles or Less) Car, Truck, Motorcycle, Boat, Motor Home or RV 72 Months	6.25	6.25	72	Calculator
2007-2008 (15,000 Miles or Less) Car, Truck, Motorcycle, Boat, Motor Home or RV 84 Months	6.75	6.75	84	Calculator
2002-2007 Car, Truck, Motorcycle, Boat, Motor Home or RV 36 Months	5.75	5.75	36	Calculator
2002-2007 Car, Truck, Motorcycle, Boat, Motor Home or RV 48 Months	6.50	6.50	48	Calculator
2002-2007 Car, Truck, Motorcycle, Boat, Motor Home or RV 60 Months	7.00	7.00	60	Calculator
2002-2007 Car, Truck, Motorcycle, Boat, Motor Home or RV 72 Months	8.00	8.00	72	Calculator
2001 & Earlier Car, Truck, Motorcycle, Boat, Motor Home or RV 36 Months	7.25	7.25	36	Calculator
2001 & Earlier Car, Truck, Motorcycle, Boat, Motor Home or RV 48 Months	8.25	8.25	48	Calculator
New Snowmobile, Jet Ski or ATV 0-60 Months Up To $20,000	7.75	7.75	60	Calculator
Used Snowmobile, Jet Ski or ATV 0-48 Months Up to $15,000	8.75	8.75	48	Calculator
Fine Line of Credit (Overdraft Protection)	12.90	12.90	48	Calculator
Personal Signature up to $10,000.00 - 24 Months	11.00	11.00	24	Calculator
Personal Signature up to $10,000.00 - 25 to 48 Months	12.00	12.00	48	Calculator
Personal Signature up to $10,000.00 - 49 to 60 Months	13.00	13.00	60	Calculator
Personal Signature $10,001.00 to $15,000.00 - 25 to 48 Months	12.50	12.50	48	Calculator
Personal Signature $10,001.00 to $15,000.00 - 49 to 60 Months	13.50	13.50	60	Calculator
Personal Signature $15,001.00 to $20,000.00 - 25 to 48 Months	13.00	13.00	48	Calculator
Personal Signature $15,001.00 to $20,000.00 - 49 to 60 Months	14.00	14.00	60	Calculator
Stock Secured 75% of Stock Value - Up to 30 Months	9.00	9.00	30	Calculator
Stock Secured 75% of Stock Value - 31 to 60 Months	10.50	10.50	60	Calculator
Share and CD Secured - Up To 60 Months - See Below				Calculator
Home Equity Line-of-Credit 80% LTV 10 Year Term	**5.75	**5.75	120	Calculator
Home Equity Line-of-Credit 80% LTV 15 Year Term	**6.00	**6.00	180	Calculator
Home Equity Line-of-Credit 100% LTV 10 Year Term	**6.75	**6.75	120	Calculator
Home Equity Line-of-Credit 100% LTV 15 Year Term	**7.00	**7.00	180	Calculator
Home Equity Closed-End 80% LTV 5 Year Term	6.75	6.75	60	Calculator
Home Equity Closed-End 100% LTV 5 Year Term	7.50	7.50	60	Calculator
Home Equity Closed-End 80% LTV 10 Year Term	7.25	7.25	120	Calculator
Home Equity Closed-End 100% LTV 10 Year Term	8.00	8.00	120	Calculator
Home Equity Closed-End 80% LTV 15 Year Term	7.75	7.75	180	Calculator
Home Equity Closed-End 100% LTV 15 Year Term	8.50	8.50	180	Calculator
Conventional Mortgages (Please call us at 651-229-2226 or 1-800-730-2626)			n/a	Calculator

Share and CD Secured Advances: The Annual Percentage Rate will be based by adding 2% to the dividend rate on the Shares or Certificate used to secure the advance. You must keep the Shares or Certificate on deposit until the loan amount has been repaid. The Annual Percentage Rate you receive will be on the Voucher or Disbursement Receipt given to you at the time the loan is taken.

*APR is Annual Percentage Rate. Rates are subject to change without notice.

** Indicates variable rate.

Loans and Lines of Credit are subject to credit approval.

Home loans may be subject to closing costs and appraisals. Variable rate Home Equity loans are based on the Wall Street Journal Prime Rate. Max APR 14%. Call the credit union for more information.

Loan Discounts may apply as follows: .25% discount for an active Visa and a .25% discount for an active Draft account with N.S.P. St. Paul Credit Union.

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Rates effective 04/01/08

Savings	Interest Rate	APY*	Term
Regular Shares	2.00	2.02	n/a

*APY is Annual Percentage Yield. Rates are subject to change without notice. Dividends are paid on a monthly basis.

A Share Savings balance of $10 is required to maintain a credit union membership.
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Rates effective 04/01/08 and subject to change.

Certificates	Interest Rate	APY*	Term
6 Months	3.85	3.92	6
12 Months	4.10	4.18	12
24 Months	4.20	4.28	24
36 Months	4.30	4.39	36
60 Months	4.50	4.59	60
IRA Traditional 18 Months	3.75	3.81	18
IRA Traditional 24 Months	4.00	4.07	24
IRA Traditional 36 Months	4.25	4.33	36
IRA Roth	3.75	3.81	n/a
IRA Educational	3.75	3.81	n/a

*APY is Annual Percentage Yield. Rates are subject to change without notice.

A minium deposit of $500.00 is required to open a certificate with a term of 6 months.

A minimum deposit of $1000.00 is required to open a certificate with a term greater than 6 months.

Forty five day interest penalty on early withdrawals from a 6 month certificate.

Ninety day interest penalty on early withdrawals from certificates with a term greater than 6 months.

Dividends are paid monthly.
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National Credit Union Administration, Your savings federally insured to $100,000