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St. Cloud Financial Credit Union
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Online Banking

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Investment Certificates & IRA Certificates

Revised August 12, 2019

Savings & Loan Calculators

  • Minimum deposit for any certificate is $500, unless otherwise noted
  • Rates are subject to change daily
  • There is a substantial penalty for early withdrawal from a savings certificate.

Investment Certificates, Regular and IRA - Fixed Term

Term                                                           Rate                 Annual Percentage Yield       

Opening Balance of $500 or more

 3 Months  0.50%  0.50%
 6 Months  0.75%  0.75%
     
 12 Months  1.49%  1.50% 
 24 Months  1.79%  1.81%
     
 36 Months  1.88%  1.90%
 48 Months  1.88%  1.90%
 60 Months  1.88%  1.90%

Your savings and qualified retirement accounts are federally insured to at least $250,000, and backed by the full faith and credit of the United States Government. For details about coverage, please click here.

Note regarding Certificate Specials: Upon maturity, special certificates will automatically be transferred into a regular term certificate. Special certificates with terms of 11 months or less will transfer to a 6 month certificate, and certificates with terms of 13-23 months will transfer to a 12 month certificate.

* APY is Annual Percentage Yield. Certificate investment rates remain fixed for the term of the certificate. Unless otherwise paid according to your instructions, dividends will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A substantial penalty may be imposed for withdrawals from a certificate(not including ZigZag CD, please see ZigZag section) before maturity. If you have any questions, or you need current rate information on your accounts, please call (320) 252-2634. Rates are subject to change daily.

Full CD disclosure

Sprout*

We designed this savings CD with our members in mind! Sprout is perfect for savings goals, earning more interest than a traditional savings account. Speak with a Member Advisor today to open up a Sprout CD. 

  • 12-month term
  • A starting deposit of only $100
  • .75% APY
  • Unlimited deposits of $10 or more

ZigZag** 

Our ZigZag CD was created for our members who need flexible access to their CDs! ZigZag is perfect for both short-term and long-term savings goals. The step-up option allows you to increase your CD rate once over the course of the CD. Speak with a Member Advisor today to open up a ZigZag CD! 

  • 24, 36 and 48-month terms
  • Minimum deposit of $500
  • Step-up option:  A one-time increase of your interest rate 
  • One penalty-free withdrawal
  • Rates as high as 1.90% APY 

*12-month term certificate with unlimited additional deposits of at least $10 each allowed during the term of the certificate.  Early withdrawal would be subject to penalty.  See Early Withdrawal Penalty section.  **Not available for IRAs.

** Certificate with terms of 24, 36, or 48- months.  One penalty free withdrawal per calendar year but must have at least $500 in doing so. Additional withdrawals are subject to penalty.  See Early Withdrawal Penalty section.  One additional deposit of at least $500.00 allowed per calendar year.  One step up option allowed during term to increase rate, available 30 days after opening date.  **Not available for IRAs.

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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


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

 

Sauk Rapids

Lobby Hours

 Monday-Friday: 9am-5pm

 Saturday: Closed

 Sunday: Closed

Drive-Up Hours:

 Monday-Friday 7:30am-6pm

 Saturday: 8am-1pm

 Sunday: Closed


Downtown St. Cloud

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
 
205 2nd Ave N
Sauk Rapids, MN 56379
 

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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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