Member Owner Benefits
Perks! Perks! Perks! We like perks! You deserve ‘em, we’ve got ‘em!
Debit Cards
Flexibility
Easy contactless payments and mobile wallet using your debit card, 24/7
Over 60,000 FREE ATMs nationwide with the MoneyPass and Co-Op networks
Digital payments linking your debit card to apps like Venmo, PayPal, etc.
Secure
Safety and security features with chip technology and enhanced fraud protection
24/7 protection with fraud monitoring and zero liability protection at no extra cost
Sign up for free-spending alerts, know immediately if your card is being used without your permission
We regularly review your card transaction for unusual activity
If your card information is compromised or stolen. We'll provide information and assistance to help you get your account back on track
HSA Mastercard Debit Cards
Your enrollment to a Health Savings Account (HSA) includes a debit card that allows you instant access to pay for qualified medical expenses.
It has never been easier to have convenient, safe, and fast access to your HSA.
Easy withdrawals from your HSA
No fees with usage
Available to all eligible credit union members
Free to all HSA members
If your health insurance plan qualifies, we're here to help you explore what an HSA can do for your health care needs.
Gift Cards and Pre-Paid Cards
Gift Card
The perfect gift, it always fits and never needs returning! Our Visa Gift Cards are available for purchase at any branch location and come in a variety of designs perfect for your celebration event!
Prepaid Spending Card
Reloadable, pre-paid cards are a convenient way to manage your debit card spending.
Easy as 1-2-3
- Load funds
- Use everywhere major credit cards are accepted
- Reload funds using direct deposit, transfer from checking or savings
Travel Card
Going on a Trip?
Sending a student to study abroad? Our pre-paid travel card is perfect for you or the student in your life.
- The travel card is not tied to your account
- Reload as you need funds
- Perfect for an alternative payment method when traveling
Pay Your Loan Online
Making your loan payment has never been easier!
We have several options for quick, convenient payments without leaving your home!
If you take advantage of our digital banking services, you can pay directly online or with your checking or savings account.
If you prefer to make a one-time payment with a debit or credit card, simply click on the link below and make your payment with a few clicks of the mouse.
Love My Credit Union
Members can save on a variety of products and services like TurboTax, wireless service, home security, travel & entertainment, and more through Love My Credit Union Rewards.
Insurance Options
Exclusive insurance options for being a member
You work hard for your money and even harder to keep your budget on track. So why spend too much on car insurance—maybe hundreds of dollars too much?
How Much Could I Save?
Credit union members could save hundreds of dollars on car insurance through the TruStage® Auto Insurance Program. And it can be easy to switch carriers—without losing any money.
What Are The Advantages?
TruStage offers a powerful mix of savings and popular, member-friendly benefits:
- Credit union members could save hundreds*
- Nationally recognized companies
- Friendly, 24/7 service—even on holidays
- Discounts for multiple vehicles, safety features, good driving and more*
- Mobile app for easy claims
More Information About TruStage Insurance
A Tradition of Strength
TruStage is part of a heritage of faithful service to credit union members spanning more than 80 years. Over 20 million people have selected TruStage for Accidental Death & Dismemberment, life, auto & home insurance and more.
TruStage® Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC , P.O. Box 61, Waverly, IA 50677-0061 and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.
*Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
© TruStage Insurance Agency 2021
AUT-2948367.2
Digital Banking Services
Accessing your financial information has never been more convenient than it is today! We have a state-of-the-art digital banking platform to meet all of your needs 24 hours a day, 7 days a week, from your personal computer or mobile device.
It's Super Convenient!
- Make check deposits
- Transfer funds
- Access free bill pay services
- Link external bank accounts
- Access your bank statements with our eStatement feature
It’s Super Secure!
- Touch ID or Face ID for faster, more secure sign-in (mobile users only)
- Added security with one-time passcode and unique profile photo
It’s Super Cool!
- Customize what displays on your dashboard
- Check balances on Smartwatch or Smartphone with Snapshot
- User-friendly tools for budgeting and saving
- Free credit score access and monitoring with Savvy Money
Credit Monitoring
Keeping close tabs on your credit and identity has never been more important than it is now! We have two options for you to keep an eye on things to ensure you are safe.
Savvy Money
Get your free credit score with online and mobile banking!
Our online & mobile banking features Savvy Money, a tool to help you improve your credit score and get special offers to save you money.
- Receive alerts of changes to your credit file
- See updates to your credit score when you log into your digital banking account
- You can refresh your score as often as you want, no strings attached
- Updates when new credit accounts are open and closed
- Unique tools to help you reach your financial goals
Check it out today when you log in to your digital banking account, click on the credit score image within online and mobile banking. Download the mobile app today or login here.
Identity Theft Service
St. Cloud Financial Credit Union has partnered with NXG Strategies to bring you the next generation in checking account benefits to protect you, your family, and your lifestyle.
Your identity theft detection and recovery services can help you plan for and recover from the effects of identity theft, as well as provide you with access to credit monitoring solutions.