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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 25th largest credit union in the state of Minnesota. It is also the 1,147th largest credit union in the nation. It was established in 1934 and as of March of 2018, it had grown to 52 employees and 19,379 members at 3 locations. St. Cloud Federal Credit Union's money market rates are 36% higher than the national average, and it 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 - YTD0.76%
Return on Equity - YTD8.61%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$175.4MM$161.3MM
LoansQ1 2018vs Q1 2017$121.0MM$115.7MM
DepositsQ1 2018vs Q1 2017$157.4MM$145.6MM
Equity CapitalQ1 2018vs Q1 2017$15.1MM$14.2MM
Loan Loss AllowanceQ1 2018vs Q1 2017$625.00K$681.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$938.00K$791.00K
Real Estate OwnedQ1 2018vs Q1 2017$70.00K$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%$100-Regular Savings
0.10%--Youth Savings Accounts
0.10%$100-Club Savings Account

St. Cloud Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-Money Market Insured Investment Account
OTHER TIERS: 0.30% $2k - $10k | 0.40% $10k - $25k | 0.45% $25k - $50k | 0.55% $50k - $100k
0.60%*$75k*-IRA Insured Money Market Investment Account
OTHER TIERS: 0.30% Up to $5k | 0.40% $5k - $25k | 0.45% $25k - $50k | 0.55% $50k - $75k

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
2.36%$500-60 Month CD
2.15%$500-48 Months CD
1.95%$500-36 Months CD
1.45%$500-24 Months CD
1.05%$500-12 Months CD
0.70%$500-6 Months CD
0.40%$500-3 Months CD

St. Cloud Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.36%$500-60 Month IRA
2.15%$500-48 Months IRA
1.95%$500-36 Months IRA
1.45%$500-24 Months IRA
1.05%$500-12 Months IRA
0.70%$500-6 Months IRA
0.40%$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

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