{"id":2636,"date":"2008-02-15T18:31:58","date_gmt":"2008-02-16T00:31:58","guid":{"rendered":"https:\/\/stpaulfcu.orgbecome-a-member\/"},"modified":"2025-12-12T13:34:43","modified_gmt":"2025-12-12T19:34:43","slug":"become-a-member","status":"publish","type":"page","link":"https:\/\/stpaulfcu.org\/become-a-member\/","title":{"rendered":"Why Join?"},"content":{"rendered":"\n
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Why Join St Paul Federal Credit Union?<\/h1>\n<\/div>\n\n\n\n
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Become a Member<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

St. Paul Federal Credit Union is a full-service, member-owned, not-for-profit financial institution. Earnings are returned to members in the form of lower loan rates, lower fees, and higher savings rates. <\/p>\n\n\n\n

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Membership Requirements<\/h2>\n<\/div>\n\n\n\n
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Read More Detailed Membership Requirements<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

If you live, work, worship or do business in St. Paul or downtown Minneapolis you qualify for membership in the St. Paul Federal Credit Union.  Membership is also open to employment groups including Local 110 Electricians and United States Federal Employees and their families, plus many more organizations. <\/p>\n\n\n\n

St. Paul Federal Credit Union Products & Services<\/h2>\n\n\n\n

St. Paul Federal Credit Union features great interest rates on loans, savings, and investments and offers a wide array of personal banking and investment services.<\/p>\n\n\n\n

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Mortgage Loans, Auto Loans, and Consumer Credit Loans<\/p>\n<\/div>\n\n\n\n

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Savings Accounts, Certificates, and Money Market Accounts<\/p>\n<\/div>\n\n\n\n

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Retirement Accounts, College Savings Accounts, and CPR Wealth Advisors<\/p>\n<\/div>\n<\/div>\n\n\n\n

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Free Checking Accounts with worldwide ATM\/Debit Card Services<\/p>\n<\/div>\n\n\n\n

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Visa\u00ae Platinum Credit Cards and Prepaid Debit Cards<\/p>\n<\/div>\n\n\n\n

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Safe Deposit Boxes, Free Notary Public Services, Direct Deposit, and Additional Benefits & Perks<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

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Credit Unions<\/h2>\n\n\n\n
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Not-for-profit cooperatives\u2014profits returned back to members in the form of lower loan rates, lower fees and higher dividends<\/p>\n<\/div>\n\n\n\n

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Member-owned with each member receiving one (1) vote regardless of the amount of money they have in the credit union<\/p>\n<\/div>\n\n\n\n

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Earnings returned back to members through lower loan rates, lower fees and higher savings rate<\/p>\n<\/div>\n\n\n\n

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Controlled by the member\/owners who elect a volunteer Board-of-Directors<\/p>\n<\/div>\n\n\n\n

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Serve “common bond” groups such as an industry or employer, religion or those that live in the same geographic area<\/p>\n<\/div>\n\n\n\n

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Insured by the National Credit Union Insurance Fund (NCUSIF) and backed to at least $250,000 by the full faith and credit of the United States Government<\/p>\n<\/div>\n<\/div>\n\n\n\n

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Banks<\/h2>\n\n\n\n
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For profit organizations<\/p>\n<\/div>\n\n\n\n

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Customers do not own their bank<\/p>\n<\/div>\n\n\n\n

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Earnings\/profits returned back to their share holders, not to customers<\/p>\n<\/div>\n\n\n\n

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Controlled by stockholders who elect paid Board-of-Directors<\/p>\n<\/div>\n\n\n\n

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Can serve anyone<\/p>\n<\/div>\n\n\n\n

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Insured by the Federal Deposit Insurance Corporation (FDIC) and backed to at least $250,000 by the full faith and credit of the United States Government<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n

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Become a Member<\/a><\/div>\n<\/div>\n\n\n\n
<\/div>\n\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Why Join St Paul Federal Credit Union? St. Paul Federal Credit Union is a full-service, member-owned, not-for-profit financial institution. Earnings are returned to members in the form of lower loan rates, lower fees, and higher savings rates.  Membership Requirements If you live, work, worship or do business in St. Paul or downtown Minneapolis you qualify […]<\/p>\n","protected":false},"author":20,"featured_media":2635,"parent":0,"menu_order":65,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2636","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"\nWhy Join? - St. Paul Federal Credit Union<\/title>\n<meta name=\"description\" content=\"St. Paul Federal Credit Union is a full-service, member-owned, not-for-profit financial institution. 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