St. Cloud Financial Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.stcloudfcu.coop

320-252-2634

3030 1st St S
Saint Cloud, MN 56301

St. Cloud Financial Credit Union is headquartered in Sartell and is the 14^th largest credit union in the state of Minnesota. It is also the 876^th largest credit union in the nation. It was established in 1934 and as of March of 2025, it had grown to 73 employees and 26,273 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

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68697
Year Chartered	1934
Employees	73
Primary Regulator

Profit Margin
Return on Assets - YTD	0.49%
Return on Equity - YTD	7.21%
Annual Interest Income	$4.4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$391.1MM$353.9MM
Loans	Q1 2025vs Q1 2024	$323.2MM$297.8MM
Deposits	Q1 2025vs Q1 2024	$360.4MM$318MM
Equity Capital	Q1 2025vs Q1 2024	$25.9MM$23.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.2MM$1.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.8MM$1.9MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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

Locations

St. Cloud Financial Credit Union Locations
Branch Office	3030 1st St S	Saint Cloud, MN 56301
Branch Office	1716 Pine Cone Rd S	Sartell, MN 56377
Branch Office	205 2nd Ave N	Sauk Rapids, MN 56379
Branch Office	5600 La Centre Ave Ste 100	Albertville, MN 55301-4018
Branch Office	14267 Bank St	Becker, MN 55308-4630

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