Featured Savings Rates
Featured Accounts

St. Cloud Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.51%5-year CD60 Month CD
0.60%1-year CD12 Months CD
0.10%SavingsRegular Savings

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 1,182nd largest credit union in the nation. It was established in 1934 and as of June of 2017, it had grown to 52 employees and 19,354 members at 3 locations. St. Cloud Federal Credit Union 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

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
B+

Health Grade Components

Overall
NCUA #24584
Year Chartered1934
Employees52
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD3.91%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$161.9MM$147.5MM
LoansQ2 2017vs Q2 2016$116.0MM$113.6MM
DepositsQ2 2017vs Q2 2016$145.7MM$132.1MM
Equity CapitalQ2 2017vs Q2 2016$14.3MM$13.6MM
Loan Loss AllowanceQ2 2017vs Q2 2016$656.00K$692.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.1MM$882.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$100*$2,500Harvest 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Office3030 1st St SSaint Cloud, MN 56301
Branch Office1716 Pine Cone Rd SSartell, MN 56377
Branch Office120 10th Ave NSaint Cloud, MN 56303