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St. Cloud Financial Credit Union
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Online Banking

Want Lower Auto Payment?

CLICK HERE! 

Open an Account

Explore a Better Way to Spend with MasterCard®

 

Choosing the right credit card is easier than ever.

No matter which card you choose, you’ll enjoy important features like:

  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience
  • Plus much more!
Pick the best rewards for you!

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Pay Down Balances

Mastercard* Platinum Card 

  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Rewards

Learn More

Apply Now

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 Flexible Cash Rewards

Cash Rewards American Express® Card

  • 3% cash back1 on the first $6,000 in eligible net purchases made each year at gas stations
  • 2%  cash back on eligible  supermarket net purchases
  • 1%  cash back on all other  eligible  net purchases

$25 cash back awarded after first purchase


Learn More

Apply Now


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Rewards To Use The Way You Want

Mastercard* Real Rewards Card

 

  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards4

2,500 bonus rewards points awarded after first purchase


Learn More

Apply Now


Premier Rewards American Express* Card

  • Earn 4 points for every $1 spent on eligible net restaurant purchases6
  • Earn 3 points for every $1 spent on eligible net airline purchases
  • Earn 2 points for every $1 spent on eligible net gas purchases
  • Earn 1 point for every $1 spent on all other eligible net purchases
  • Plus, earn 10,000 one-time bonus rewards after you spend

$1,000 in the first 3 months

  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards4
  • Reimbursement for either Global Entry or TSA Pre✔®


Learn More

Apply Now

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Bulid Your Credit

Mastercard® College Real Rewards Card

  • Earn 1.5 points monthly for every dollar you spend on eligible net purchases.5
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards4
  • 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.

Learn More 

Apply Now 


 Mastercard® Secured Card

  • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history8, here's a great way to begin that process.
  • Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account.


Learn More

Apply Now


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1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

2 Cash Rewards Card: “Cash Back Rewards”  are  the  rewards  you  earn  under  the  program.  Cash  Back  Rewards  are  tracked  as  points  and  each  point  in Cash Back Rewards earned  is  equal  to $0.01. You  may  simply  see  “Cash Back” in marketing  material  when referring  to the  rewards  you  earn. You  will  earn 1 Reward Point (“Point”) for each dollar  of  eligible  Net  Purchases  charged  to your  Account  during  each  billing  cycle. You  will  also earn  1  additional  Point (for a total of 2 Points) for each dollar of eligible Net Purchases  charged  to your Account  during  each billing  cycle  for  any  merchant  classified  as  a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points  (for a  total  of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any  of the  following merchant category codes: automated fuel dispensers  and  service  stations, up  to a  maximum of $6,000 spent  during  each 12-month period  commencing  on the anniversary date of this Account. Automated fuel dispenser and  service station purchases  above $6,000 (for the remainder of that 12-month period)  will  earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account  during  each billing  cycle. Points  expire  five  years  from  the  end  of  the quarter in which they are earned.

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

4 The  Elan Rewards  Program is  subject to change. Rewards  are earned  on eligible net purchases. Net purchases  are purchases  minus  credits  and  returns. Not all transactions are eligible to earn rewards, such as  Advances,  Balance  Transfers  and  Convenience  Checks.  Upon  approval,  see  your  Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all  of your Points, if your Account  is  closed  to future transactions  (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases  made  with your Account  within a  billing  cycle  (equal  to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five  years  from  the  end  of the  quarter in which they  are earned.

6 Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.

8 Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Mastercard International Incorporated and American Express. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.



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Contact

Phone: 320-252-2634

Toll Free: 888-252-2634

Email: info@stcloudfcu.coop

Routing Number: 291975656

Credit Union NMLS #421441


SAUK RAPIDS (COMING SOON)

St. Cloud & Sartell 

Lobby Hours:

Monday-Friday: 9am-5pm

Saturday: 9am-12pm

Sunday: Closed

 

Drive-Up Hours:

Monday-Friday 7:30am-6pm

Saturday 8am-1pm

Sunday: Closed


DTN Lobby Hours:

Monday- Friday 8:30am-5pm

Locations

3030 First Street South 
St. Cloud, MN 56301

120 Tenth Avenue North
St. Cloud, MN 56303

1716 Pine Cone Road South
Sartell, MN 56377

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To set up or reassign a pin number: 

#1.888.891.2435

St. Cloud Financial Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website. If you have any questions regarding our website, please contact us at (320) 252-2634 and we would be happy to help you! All products and services available on this website are available at all St. Cloud Financial Credit Union branches.

Equal Housing Lender

NCUA Insured

© 2019 St. Cloud Financial Credit Union | Routing Number: 291975656

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