NSP Credit Union
Verified rate book
Current NSP Credit Union rates
19 published offers verified as of August 4, 2026.
Auto & vehicle rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Secured, Non-Real Estateauto_any_36mo | 4.250% APR | 4.250% | 36 mo | Standard |
| Secured, Non-Real Estateauto_any_48mo | 4.750% APR | 4.750% | 48 mo | Standard |
| Secured, Non-Real Estateauto_any_60mo | 5.250% APR | 5.250% | 60 mo | Standard |
| Secured, Non-Real Estateauto_any_72mo | 5.750% APR | 5.750% | 72 mo | Standard |
| Secured, Non-Real Estateauto_any_84mo | 6.250% APR | 6.250% | 84 mo | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC 80% LTV 10 Year Term***heloc_variable | 7.500% APR | 7.500% | — | Standard |
| HELOC 80% LTV 15 Year Term***heloc_variable | 7.750% APR | 7.750% | — | Standard |
Personal loan rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Personal Signature up to $20,000***personal_unsecured_24mo | 10.500% APR | 10.500% | 24 mo | Standard |
| Personal Signature up to $20,000***personal_unsecured_48mo | 11.000% APR | 11.000% | 48 mo | Standard |
| Personal Signature up to $20,000***personal_unsecured_60mo | 11.500% APR | 11.500% | 60 mo | Standard |
| Fine Line of Credit (Overdraft Protection)ploc_variable | 12.900% APR | 12.900% | 24 mo | Standard |
Savings & CD rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Member Savings (Dividends paid on account balance over $200)savings | 0.08% APY | 0.08% | — | Standard |
| IRAs - Traditional (no income limitations)ira | 0.80% APY | 0.80% | — | Standard |
| Coverdell Education Savingssavings | 0.80% APY | 0.80% | — | Standard |
| WINcentive Savings ($5 minimum balance)savings | 1.00% APY | 1.00% | — | Standard |
| 6-Month Certificateshare_certificate_6mo | 2.27% APY | 2.25% | 6 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 2.48% APY | 2.45% | 12 mo | Standard |
| 36-Month Certificateshare_certificate_36mo | 2.58% APY | 2.55% | 36 mo | Standard |
| 24-Month Certificateshare_certificate_24mo | 3.04% APY | 3.00% | 24 mo | Standard |
Auto loans available from 4.25% APR for 36 months. HELOC rates from 7.5% APR. Personal loan rates from 10.5% APR. Savings and certificate yields up to 3.04% APY.
Source: RateAPI.dev, verified from NSP Credit Union's official website
Loading branch locator…
About NSP Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 2.7K
- Assets
- $36.2M
- Founded
- 1933
- Locations reported
- 2
- NCUA charter
- 62733
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Financial counseling
- Financial education
- First-time homebuyer program
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join NSP Credit Union
Membership eligibility from NSP Credit Union's own published criteria. How we verify this.
Membership via employers (Xcel Energy +2 more)
- LocationAnoka, Carver, Chisago, Dakota, Goodhue, Hennepin, Ramsey, Scott, Washington, Wright
- EmployerXcel Energy, Davids Hydro Vac, Q3 Contracting
Verified from NSP Credit Union's membership page. Final membership determination is always made by the credit union.
Work at NSP Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where NSP Credit Union ranks against Minnesota peers.
Frequently Asked Questions
What rates does NSP Credit Union offer?
NSP Credit Union currently offers Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are NSP Credit Union rates updated?
RateAPI verifies NSP Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get NSP Credit Union's rate data?
Rate data is collected directly from NSP Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are NSP Credit Union's auto loan rates?
As of August 4, 2026, NSP Credit Union offers auto loans from 4.25% APR.
What is NSP Credit Union's HELOC rate?
As of August 4, 2026, NSP Credit Union offers home equity lines of credit from 7.5% APR.
What is NSP Credit Union's personal loan rate?
As of August 4, 2026, NSP Credit Union offers personal loans from 10.5% APR.
What is NSP Credit Union's best CD rate?
As of August 4, 2026, NSP Credit Union offers savings and certificate (CD) yields up to 3.04% APY.
Related Rate Data
Compare NSP Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack NSP Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when Minnesota credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for NSP Credit Union
curl "https://api.rateapi.dev/credit-unions/minnesota/nsp" \
-H "Authorization: Bearer YOUR_API_KEY"