St. Cloud Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.36% | 5-year CD | 60 Month CD |
| 1.05% | 1-year CD | 12 Months CD 1.80% - Ally Bank No Penalty 11-Month CD |
| 0.10% | Savings | Regular Savings 1.65% - Barclays Online Savings Account |
St. Cloud Federal Credit Union is headquartered in Saint Cloud and is the 25th largest credit union in the state of Minnesota. It is also the 1,147th largest credit union in the nation. It was established in 1934 and as of March of 2018, it had grown to 52 employees and 19,379 members at 3 locations. St. Cloud Federal Credit Union's money market rates are 36% higher than the national average, and it has a B+ health rating.
Field of Membership Restrictions
Membership is open to those who live or work in Stearns, Benton, or Sherburne counties.
See current membership details
I love the Saint Cloud Federal Credit Union
The Saint Cloud Federal Credit Union is GREAT. They handle my mortgage, IRA, checking, and savings accounts. Their staff is always friendly, knowledgeable, and trustworthy. I have yet to have a problem with them, but if I did, I feel as if they would be more than willing to work with me to get it solved.
They always work hard to make sure that my family is getting the best interest rates on everything. They have even gone as far as to call us and tell us about better interest rates.
My favorite thing about the Saint Cloud Federal Credit Union is that they are EXTREMELY personable. When I walk in they know my name, my husband's name, and my children's names. My kids love that they always get suckers.
I would absolutely recommend them to anyone!
Data as of Q1 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 24584 |
| Year Chartered | 1934 |
| Employees | 52 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.76% |
| Return on Equity - YTD | 8.61% |
| Annual Interest Income | $1.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2018vs Q1 2017 | $175.4MM$161.3MM |
| Loans | Q1 2018vs Q1 2017 | $121.0MM$115.7MM |
| Deposits | Q1 2018vs Q1 2017 | $157.4MM$145.6MM |
| Equity Capital | Q1 2018vs Q1 2017 | $15.1MM$14.2MM |
| Loan Loss Allowance | Q1 2018vs Q1 2017 | $625.00K$681.00K |
| Unbacked Noncurrent Loans | Q1 2018vs Q1 2017 | $938.00K$791.00K |
| Real Estate Owned | Q1 2018vs Q1 2017 | $70.00K$0 |
Always verify rates and promotions with the bank or credit union. We are not St. Cloud Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
St. Cloud Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.25% | - | - | Health Savings Account | |
| 0.10% | $100 | - | Regular Savings | |
| 0.10% | - | - | Youth Savings Accounts | |
| 0.10% | $100 | - | Club Savings Account |
St. Cloud Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.60%* | $100k* | - | Money Market Insured Investment Account | ||
| OTHER TIERS: 0.30% → $2k - $10k | 0.40% → $10k - $25k | 0.45% → $25k - $50k | 0.55% → $50k - $100k | |||||
| 0.60%* | $75k* | - | IRA Insured Money Market Investment Account | ||
| OTHER TIERS: 0.30% → Up to $5k | 0.40% → $5k - $25k | 0.45% → $25k - $50k | 0.55% → $50k - $75k | |||||
St. Cloud Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.50%* | $100* | $2,500 | Harvest Checking | ||
| OTHER TIERS: 0.25% → $10k+ | 0.50% → $5k - $10k | 1.00% → $2,500 - $5k | |||||
| 0.05% | $3k | - | Small Business Checking | ||
St. Cloud Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.36% | $500 | - | 60 Month CD | |
| 2.15% | $500 | - | 48 Months CD | |
| 1.95% | $500 | - | 36 Months CD | |
| 1.45% | $500 | - | 24 Months CD | |
| 1.05% | $500 | - | 12 Months CD | |
| 0.70% | $500 | - | 6 Months CD | |
| 0.40% | $500 | - | 3 Months CD |
St. Cloud Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.36% | $500 | - | 60 Month IRA | |
| 2.15% | $500 | - | 48 Months IRA | |
| 1.95% | $500 | - | 36 Months IRA | |
| 1.45% | $500 | - | 24 Months IRA | |
| 1.05% | $500 | - | 12 Months IRA | |
| 0.70% | $500 | - | 6 Months IRA | |
| 0.40% | $500 | - | 3 Months IRA |
| St. Cloud Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 3030 1st St S | Saint Cloud, MN 56301 |
| Branch Office | 1716 Pine Cone Rd S | Sartell, MN 56377 |
| Branch Office | 120 10th Ave N | Saint Cloud, MN 56303 |