St. Cloud Financial Credit Union

Overview / Commentary
3030 1st St S
Saint Cloud, MN 56301

St. Cloud Financial Credit Union is headquartered in Saint Cloud and is the 19th largest credit union in the state of Minnesota. It is also the 979th largest credit union in the nation. It was established in 1934 and as of June of 2022, it had grown to 62 employees and 23,855 members at 5 locations. St. Cloud Financial Credit Union has a B+ health rating.

Field of Membership Restrictions

St. Cloud Financial Credit Union is open to those who live or work in the Minnesota counties of Benton, Kandiyohi, Meeker, Morrison, Sherburne, Stearns, or Wright. Immediate family of credit union members may also join.
See current membership details

Reviews (1)

I love the Saint Cloud Federal Credit Union

Posted by: |

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 Grade Components

NCUA #68697
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD9.14%
Annual Interest Income$4.6MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$309.0MM$271.9MM
LoansQ2 2022vs Q2 2021$248.1MM$197.9MM
DepositsQ2 2022vs Q2 2021$276.4MM$247.2MM
Equity CapitalQ2 2022vs Q2 2021$20.7MM$21.1MM
Loan Loss AllowanceQ2 2022vs Q2 2021$942.00K$770.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.1MM$800.00K
Real Estate OwnedQ2 2022vs Q2 2021$0$0

Rates for St. Cloud Financial Credit Union are currently being reviewed.


St. Cloud Financial Credit Union Locations
Branch Office3030 1st St SSaint Cloud, MN 56301
Branch Office1716 Pine Cone Rd SSartell, MN 56377
Branch Office205 2nd Ave NSauk Rapids, MN 56379
Branch Office5600 La Centre Ave Ste 100Albertville, MN 55301-4018
Branch Office14267 Bank StBecker, MN 55308-4630

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