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AUTO/RV/BOAT

PERSONAL LOANS

HOME EQUITY

SAVINGS

CERTIFICATES

CALCULATORS

Standard Loan Calculator

AUTO / RV / BOAT APR* TERM
2011/12 (15K miles or less) Car, Truck, Motorcycle, Boat, Motor Home or RV*** 1.95 36
2011/12 (15K miles or less) Car, Truck, Motorcycle, Boat, Motor Home or RV*** 2.25 48
2011/12 (15K miles or less) Car, Truck, Motorcycle, Boat, Motor Home or RV*** 2.45 60
2011/12 (15K miles or less) Car, Truck, Motorcycle, Boat, Motor Home or RV*** 4.25 72
2011/12 (15K miles or less) Car, Truck, Motorcycle, Boat, Motor Home or RV*** 5.00 84
2006-2011 Car, Truck, Motorcycle, Boat, Motor Home or RV*** 1.95 36
2006-2011 Car, Truck, Motorcycle, Boat, Motor Home or RV*** 2.25 48
2008-2011 Car, Truck, Motorcycle, Boat, Motor Home or RV*** 2.45 60
2011 Car, Truck, Motorcycle, Boat, Motor Home or RV*** 4.50 72
2005 & Earlier Car, Truck, Motorcycle, Boat, Motor Home or RV*** 6.50 36
2005 & Earlier Car, Truck, Motorcycle, Boat, Motor Home or RV*** 7.50 48
New Snowmobile, Jet Ski or ATV (Up to $20,000)*** 7.75 60
Used Snowmobile, Jet Ski or ATV (Up to $15,000)*** 8.75 48
Standard Loan Calculator

PERSONAL LOANS APR* TERM
Fine Line of Credit (Overdraft Protection)*** 18.00  
Personal Signature up to $20,000*** 12.00 24
Personal Signature up to $20,000*** 13.00 48
Personal Signature up to $20,000*** 14.00 60
VISA®; Classic Credit Card (No annual fee, 25 day grace period) 9.90  
Share and CD Secured - Up to 60 months - See below    
Home Equity Calculator

HOME EQUITY APR* TERM
Home Equity Line of Credit 80% LTV 10 yr term*** 4.00** 120
Home Equity Line of Credit 80% LTV 15 yr term*** 4.25** 180
Home Equity Closed-End 40% LTV 7 yr term*** 4.00 84
Home Equity Closed-End 60% LTV 7 yr term*** 4.50 84
Home Equity Closed-End 80% LTV 5 yr term*** 5.50 60
Home Equity Closed-End 80% LTV 10 yr term*** 6.00 120
Home Equity Closed-End 80% LTV 15 yr term*** 6.50 180
Conventional Mortgages (Please call us at 651.229.2226 or 1.800.730.2626)    

*APR is Annual Percentage Rate.
** Indicates Variable Rate.
*** Disclosed rates are the lowest rates available, actual rate will be based on credit score.

Rates are subject to change without notice. All loans 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® Credit Card and a .25% discount for an active Draft Account with N.S.P. St. Paul Credit Union.
CHECKING INTEREST RATE APY* TERM
Checking Account 0.10 0.10 n/a
Basic Transaction Account 0.10 0.10 n/a

*APY is Annual Percentage Yield.

Rates are subject to change without notice.

Dividends are paid on account balances over $200
Savings Calculator
Rates effective 01-18-2012

SAVINGS INTEREST RATE APY* TERM
Regular Shares (Dividends paid on account balance over $200) 0.10 0.10 n/a
Bee "R" Saver (Ages 0-11) 0.10 0.10 n/a
Super Saver Bee (Ages 12-14) 0.10 0.10 n/a
IRA Roth 0.80 0.80 n/a
IRA Educational 0.80 0.80 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.

Share and CD Secured Advances: The Annual Percentage Rate will be the dividend rate being paid on regular Shares or the Certificate on the date of the advance plus 2% or a rate of 4% - whichever is higher. 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 Disbursement Receipt given to you at the time the loan is taken.
Savings Calculator
Rates effective 01-18-2012

CERTIFICATES INTEREST RATE APY* TERM
6 Months 0.40 0.40 6
12 Months 0.70 0.70 12
24 Months 1.00 1.00 24
36 Months 1.49 1.50 36
60 Months 1.79 1.80 60
IRA Traditional 18 Months 0.90 0.90 18
IRA Traditional 24 Months 1.09 1.10 24
IRA Traditional 36 Months 1.49 1.50 36

*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.

Share and CD Secured Advances: The Annual Percentage Rate will be the dividend rate being paid on regular Shares or the Certificate on the date of the advance plus 2% or a rate of 4% - whichever is higher. 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 Disbursement Receipt given to you at the time the loan is taken.
 
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