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Online Banking

Want a Lower Auto Payment?

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Open an Account

Simplify Your Retirement Strategies with IRAs

When you think of retirement, what do you have in mind? A simple home in the countryside? A condo in the Sunshine State? A life of travel and relaxation? Get the future you have in mind with Individual Retirement Accounts!

Individual Retirement Accounts, better known as IRAs, are ideal ways to prepare for whatever the future may bring. IRAs are incredibly popular tools, allowing investors like you to set aside money for the future while receiving excellent tax benefits today and in retirement. There are two major categories of IRAs that you can consider: traditional IRAs and Roth IRAs.

Traditional IRAs

Traditional IRAs are the most common form of IRA, offering an investment option that can be customized to your risk tolerance and contribution amounts. IRAs offer you the ability to buy stocks, bonds, mutual funds, and other investments that can grow tax-free over the course of your adult life. 

  • Cash, bond, stock and mutual fund investment possibilities
  • Tax-deductible contributions
  • Annual contribution limits ($6,000 or $7,000 ages 50+)
  • Tax-free growth, including capital gains 
  • Withdrawal penalties before age 59 and a half
  • Required Minimum Distributions over age 72
  • Taxable withdrawals, including RMDs

Roth IRAs 

Roth IRAs are becoming an increasingly popular IRA alternative for investors who wish to defer the tax benefits allowed by traditional IRAs. Roth IRAs function identically in structure to traditional IRAs, allowing you to invest money over the course of your life in a tax-free environment to guarantee maximum benefits for your future.

  • Cash, bond, stock and mutual fund investment possibilities
  • Annual contribution limits ($6,000 or $7,000 ages 50+)
  • Tax-free growth, including capital gains 
  • Withdrawal penalties before age 59 and a half
  • Tax-free withdrawals (in place of tax deductions in the current year)

What are you waiting for? Explore your retirement savings options with IRA accounts today!

Contact

Phone: 320-252-2634

Toll Free: 888-252-2634

Email: info@stcloudfcu.coop

Routing Number: 291975656


Credit Union NMLS #421441

 

HOURS OF OPERATION

** Starting November 5,

2020, our branch lobbies

are closed to

appointment only. **

 

Albertville

Lobby Hours:

Monday-Friday 9 AM - 5 PM

Drive-up Hours:

Monday-Friday 9 AM - 5 PM

 

Becker

Lobby Hours:

Monday-Friday 8:30 AM - 5 PM

Drive-Up Hours:

Monday-Thursday 8:30 AM - 5 PM

Friday 8:30 AM - 6 PM

Saturday 9 AM - 12 PM

 

Downtown St. Cloud

Lobby Hours:

Monday-Friday 9 AM - 5 PM

 

St. Cloud & Sartell 

Lobby Hours:

Monday-Friday  9 AM - 5 PM

Saturday 9 AM - 12 PM

Drive-Up Hours:

Monday-Friday 7:30 AM - 6 PM

Saturday 8 AM - 1 PM

 

Sauk Rapids

Lobby Hours:

Monday-Friday 9 AM - 5 PM

Saturday 9 AM - 12 PM

Drive-Up Hours:

Monday-Friday 7:30 AM - 6 PM

Saturday 8 AM - 1 PM 

 

Locations

5600 La Centre Ave Suite 100
Albertville, MN 55301

 

14267 Bank Street
Becker, MN 55308

 

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.

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NCUA Insured

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