• Facebook
  • LinkedIn
  • YouTube
  • Loan Calculators
  • Today's Rates
  • Resources
  • Mobile Banking & Deposit
  • Careers
  • Contact Us
St. Cloud Financial Credit Union
  • Banking
    • Cards
      • Reloadable Card
      • Debit
      • HSA
      • MasterCard Credit Card
      • Visa Gift Card
      • MasterCard Business Card
    • Checking
      • Harvest Checking
      • New Wave Student Checking
      • Business Checking
      • Freedom Checking
    • Investment & Financial Services
    • Lines of Credit
      • Anytime Access Line
      • Home Equity Line
    • Loans
      • Auto Loans
      • Consumer Loans
      • Loan Rates
      • Loan Contact Information
      • Mortgages & Real Estate
      • Student Loans
    • Payroll Benefits
    • Savings
      • Certificates
      • Health Savings Accounts
      • IRAs
      • Money Market Accounts
      • Savings Bonds
      • Youth Savings
      • Wincentive Savings
    • Credit Monitoring
    • Pay ELAN Mastercard Online
  • Our Story
    • Become a Member
    • Board of Directors & Supervisory Committee
    • Leaders
      • Jed A. Meyer
      • Alyce Justin
      • Mel Tody
      • Sarah Mason
      • Vonda Dickey
    • People Helping People
    • What is a Credit Union
  • Member Benefits
    • Debt Protection
    • Discounted Tickets
    • Insurance
    • Safe Deposit Boxes
    • Security Education
    • Wire Transfers
    • Find Free ATMs
    • News & Events
      • Annual Report
      • Newsletters
      • Press Releases
      • Seminars
    • Community Events
      • BYKTWD
    • Notary Services
  • Today's Rates
    • Savings, Money Market, & Checking
    • Auto & Consumer Loans
    • Mortgage Loans
  • Online Services
    • Online Banking, Bill Pay & eStatements
    • Enroll in Credit Monitoring
    • Master Card Online
    • Loan Calculators
    • Mobile Banking & Deposit
    • Digital Banking
  • Privacy Policy

Online Banking

Want a Lower Auto Payment?

CLICK HERE! 

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 ($5,500 for 2014)
  • Tax-free growth, including capital gains 
  • Withdrawal penalties before age 59 and a half
  • Required Minimum Distributions over age 70 and a half
  • 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 ($5,500 for 2014)
  • Tax-free growth, including capital gains 
  • Withdrawal penalties before age 59 and a half
  • Required Minimum Distributions over age 70 and a half
  • Tax-free withdrawals, including RMDs (in place of tax deductions in the current year)

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

cta-open-new-account.png cta-open-new-account.png

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
 

Email_Signature_NEW_1231.jpg

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

Privacy Policy | Site Map | Contact Us