Benefits of Membership

NSP St. Paul Credit Union exclusively serves past and present Xcel/NSPM Energy employees and their families — giving us the kind of experience no megabank can match. 

Because we’re a credit union, we can put our profits where they really matter — your pockets. From competitive loan rates to free rewards checking, we strive to provide products and services that help you do more with your paycheck. 

How to Join

Open and fund a Member Savings account in branch or online. That’s it. If you meet the eligibility requirements below, then you’re a member for life. 

Who Can Join

Our membership is open to employees working for or retired from any of the following Xcel Energy/NSPM Company divisions:

  • Xcel Service Centers and Plants in the state of Minnesota, household members and their families.
  • Xcel contract employees (including Homesmart, Ramsey/Washington Recycling and Energy Board), household members, and their families
  • Employees of NSP St. Paul Credit Union, household members, and their families