St. Cloud Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.51%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 Month CD
0.60%	1-year CD	12 Months CD 1.50% - Ally Bank No Penalty 11-Month CD
0.10%	Savings	Regular Savings 1.15% - CIT Bank Spring Savings

View all St. Cloud Federal Credit Union rates »

Overview / Commentary

www.stcloudfcu.coop

320-252-2634

3030 1st St S
Saint Cloud, MN 56301

St. Cloud Federal Credit Union is headquartered in Saint Cloud and is the 25^th largest credit union in the state of Minnesota. It is also the 1,188^th largest credit union in the nation. It was established in 1934 and as of March of 2017, it had grown to 47 employees and 19,264 members at 3 locations. St. Cloud Federal Credit Union has an A 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

Reviews (1)

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I love the Saint Cloud Federal Credit Union

Posted by: Natasha2 | Apr 29, 2014

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!

Comment

1

Health

A

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #	24584
Year Chartered	1934
Employees	47
Primary Regulator

Profit Margin
Return on Assets - YTD	0.31%
Return on Equity - YTD	3.5%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$161.3MM$148.6MM
Loans	Q1 2017vs Q1 2016	$115.7MM$112.2MM
Deposits	Q1 2017vs Q1 2016	$145.6MM$134.1MM
Equity Capital	Q1 2017vs Q1 2016	$14.2MM$13.4MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$681.00K$663.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$791.00K$957.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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Money Market
Checking
CD
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* 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
0.25%	-	-	Health Savings Account
0.10%	-	-	Regular Savings
0.10%	-	-	Youth Savings Accounts
0.10%	-	-	Club Savings Account

St. Cloud Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$5k^*	-	IRA Insured Money Market Investment Account
OTHER TIERS: 0.25% → Up to $5k
0.35%^*	$25k^*	-	Money Market Insured Investment Account
OTHER TIERS: 0.20% → $2k - $10k \| 0.30% → $10k - $25k

St. Cloud Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
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
1.51%	$500	-	60 Month CD
1.41%	$500	-	48 Months CD
1.05%	$500	-	36 Months CD
0.90%	$500	-	24 Months CD
0.60%	$500	-	12 Months CD
0.40%	$500	-	6 Months CD
0.20%	$500	-	3 Months CD

St. Cloud Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%	$500	-	60 Month IRA
1.41%	$500	-	48 Months IRA
1.05%	$500	-	36 Months IRA
0.90%	$500	-	24 Months IRA
0.60%	$500	-	12 Months IRA
0.40%	$500	-	6 Months IRA
0.20%	$500	-	3 Months IRA

Locations

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