Investment Certificates

With as little as $500, members can invest in a┬áCertificate and maximize their earnings. St. Cloud Federal Credit Union’s Certificates offer fixed rates and guaranteed yields.


  • Dividend Figured Daily and Paid Monthly
  • $500 Minimum Balance Required
  • Several Term Options:
    • 3, 6, 12, 24, 36 & 48 months. Periodic Rate Specials are offered, too.
    • Check our current Certificate Rates.
  • Certificates automatically renew on the maturity date, unless you want to change terms or conditions at maturity. Approximately 20 days prior to renewal, you will be sent a maturity advice notice. There is a 10-day grace period after the maturity date, which allows you to withdraw or add funds, or change terms, before the certificate automatically renews.
  • Safe investment with a guaranteed rate for a designated term

Three options for receiving dividends include: compounded; paid to shares; or check mailed to you.

How to Become a Member and Open Your Certificate.

Visit a credit union office in St. Cloud or Sartell to join, and sign the Signature Card.
If you are not a current member, make a separate one-time deposit of $10.00 (A $10 minimum balance must be maintained at all times in a regular savings account, in order to maintain active membership).

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