It's your money.

St. Paul Federal is a not-for-profit financial cooperative dedicated to improving your life. Starting in January 2017, we will be paying a base rate of dividends on every deposit balance in every deposit account. And by the way, that base rate of dividends happens to be significantly higher than the average bank deposit rate!

We're here for you!

Account Types paying at least a base dividend rate:

  • S1 - Savings
  • S2 - Secondary Savings
  • S3 - Fund Account
  • S4 - WINcentive Savings
  • S5 - Money Market 1
  • S6 - Money Market 2
  • S8 - Youth Savings
  • S10 - Simply Checking
  • S11 - Secondary Checking
  • S12 - Secondary Checking 2
  • S13 - Prime Checking
  • S14 - Investment Checking
  • S15 - Organization Checking
  • S16 - HELOC Checking
  • S17 - Youth Checking
  • S19 - Business Checking
  • S20 - Traditional IRA Shares
  • S22 - Coverdell Shares
  • S23 - Roth IRA Shares
  • S24 - Conv. Roth IRA Shares
  • S31 - Organization Shares
  • S32 - Secondary Org. Shares
  • S33 - Business Shares
  • S35 - Organization MMA
  • S40 - Holiday Club
  • S45 - Business MMA

The base Annual Percentage Rate starting in January 2017 is 0.10% APR. This will be paid on deposit accounts based on the daily balance in the account each day, with dividends being credited on the last day of each month. While these accounts are being paid a base dividend rate, if the balance in the account is insufficient to calculate and pay at least $0.01 for a monthly period, no dividends will be paid to the account.

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