Overview / Commentary
320-252-2634
3030 1st St S
Saint Cloud, MN 56301

St. Cloud Federal Credit Union is headquartered in Saint Cloud and is the 26th largest credit union in the state of Minnesota. It is also the 1,143rd largest credit union in the nation. It was established in 1934 and as of September of 2018, it had grown to 53 employees and 19,400 members at 3 locations. St. Cloud Federal Credit Union's CD rates are 2X the national average, and it 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)

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!



Health

Health Grade Components

Overall
NCUA #24584
Year Chartered1934
Employees53
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD8.31%
Annual Interest Income$4.1MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$175.3MM$163.1MM
LoansQ3 2018vs Q3 2017$131.7MM$118.4MM
DepositsQ3 2018vs Q3 2017$156.9MM$146.5MM
Equity CapitalQ3 2018vs Q3 2017$15.8MM$14.6MM
Loan Loss AllowanceQ3 2018vs Q3 2017$675.00K$635.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$914.00K$1.1MM
Real Estate OwnedQ3 2018vs Q3 2017$103.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--Health Savings Account
0.15%$100-Regular Savings
0.15%$100-Club Savings Account

St. Cloud Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%*$100k*-Money Market Insured Investment Account
OTHER TIERS: 0.50% $2k - $10k | 0.60% $10k - $25k | 0.65% $25k - $50k | 0.75% $50k - $100k
0.80%*$100k*-IRA Insured Money Market Investment Account
OTHER TIERS: 0.50% Up to $10k | 0.60% $10k - $25k | 0.65% $25k - $50k | 0.75% $50k - $100k

St. Cloud Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$100*$2.5kHarvest Checking
OTHER TIERS: 0.25% $10k+ | 0.50% $5k - $10k | 1.00% $2.5k - $5k
0.05%$3k-Small Business Checking

St. Cloud Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$500-36 Month CD
3.25%$500-48 Month CD
3.25%$500-60 Month CD
3.00%$500-30 Month CD Special
2.90%$500-36 Month ZigZag CD
2.90%$500-48 Month ZigZag CD
2.50%$500-24 Month CD
2.00%$500-12 Month CD
2.00%$500-24 Month ZigZag CD
1.25%$500-6 Month CD
1.25%$100-12 Month Sprout CD
1.00%$500-3 Month CD

St. Cloud Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$500-36 Month IRA
3.25%$500-48 Month IRA
3.25%$500-60 Month IRA
3.00%$500-30 Month IRA Special
2.50%$500-24 Month IRA
2.00%$500-12 Month IRA
1.25%$500-6 Month IRA
1.00%$500-3 Month IRA
Locations


St. Cloud Federal Credit Union Locations
Branch Office3030 1st St SSaint Cloud, MN 56301
Branch Office1716 Pine Cone Rd SSartell, MN 56377
Branch Office120 10th Ave NSaint Cloud, MN 56303

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