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  2. St. Cloud Financial Credit Union

St. Cloud Financial Credit Union


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

St. Cloud Financial Credit Union is headquartered in Saint Cloud and is the 20th largest credit union in the state of Minnesota. It is also the 1,011th largest credit union in the nation. It was established in 1934 and as of March of 2022, it had grown to 64 employees and 23,517 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 Benton, Kandiyohi, Meeker, Morrison, Sherburne, Stearns, and Wright counties. 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!

1


Health
B+

Data as of Q1 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #68697
Year Chartered1934
Employees64
Primary Regulator
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD9.38%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$294.9MM$266.9MM
LoansQ1 2022vs Q1 2021$227.4MM$183.0MM
DepositsQ1 2022vs Q1 2021$271.1MM$243.2MM
Equity CapitalQ1 2022vs Q1 2021$20.9MM$20.0MM
Loan Loss AllowanceQ1 2022vs Q1 2021$930.00K$740.00K
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$1.0MM$925.00K
Real Estate OwnedQ1 2022vs Q1 2021$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not St. Cloud Financial 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 Financial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--Health Savings Account
0.05%$100-Regular Savings
0.05%$100-Club Savings Account

St. Cloud Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$100k*-Money Market Insured Investment Account
OTHER TIERS: 0.15% → $2k - $10k | 0.20% → $10k - $25k | 0.25% → $25k - $50k | 0.35% → $50k - $100k
0.40%*$100k*-IRA Insured Money Market Investment Account
OTHER TIERS: 0.15% → Up to $10k | 0.20% → $10k - $25k | 0.25% → $25k - $50k | 0.35% → $50k - $100k

St. Cloud Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$2.5kHarvest Checking
OTHER TIERS: 0.15% → $5k+ | 0.50% → $2.5k - $5k
0.05%$3k-Commercial Checking

St. Cloud Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.29%$500-60 Month CD
1.09%$500-48 Month CD
0.90%$500-36 Month CD
0.75%$500-24 Month CD
0.55%$500-12 Month CD
0.55%$500-24 Month ZigZag CD w/ Step-Up
0.55%$500-36 Month ZigZag CD w/ Step-Up
0.55%$500-48 Month ZigZag CD w/ Step-Up
0.35%$500-6 Month CD
0.25%$500-3 Month CD
0.10%$100-12 Month Sprout CD

St. Cloud Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.29%$500-60 Month IRA
1.09%$500-48 Month IRA
0.90%$500-36 Month IRA
0.75%$500-24 Month IRA
0.55%$500-12 Month IRA
0.35%$500-6 Month IRA
0.25%$500-3 Month IRA
Locations


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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