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Certificates of Deposit
Do you want your money to grow?
Are you looking for a guaranteed interest rate that’s locked in?
You pick the term and the amount! In certain products, you can even add or withdraw money during the term with no penalties!
Sprout Certificate of Deposit
Start your dream here!
Saving can be hard! St. Cloud FCU’s Sprout Certificate of Deposit gives you the ability to start with a small dollar amount and add as you go! Watch your dreams and money grow!
0.75% APY**
12-month term
Start with as little as $100
Unlimited deposits of $10 or more
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.
Savin’ Up
Start saving while you spend with St. Cloud FCU’s Savin’ Up checking account! Our innovative savings feature allows you to easily round up debit card transactions to the nearest dollar and deposit the spare change into the savings account of your choice. Start Savin’ Up today with St. Cloud FCU!
ZigZag Certificate of Deposit
Rates go down, you stay where you’re at. Rates go up, and with our ZigZag Certificate of Deposit, you can get higher rates and have access to your funds!
24, 36, and 48-month terms
Start with as little as $500.00
Step-up option: A one-time increase of your interest rate
One penalty-free withdrawal
***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.
Traditional Certificates of Deposit
Timeless dream maker!
3 – 60 Month terms
Start with as little as $500
Traditional IRA options available
Pre-Tax income – Reducing your net income!
Roll over from a 401K
Roth IRA options available
After-Tax income – Tax-free qualifying contributions and withdrawals!
Savvy Money
Get your free credit score
Our online & mobile banking features Savvy Money, a tool to help you improve your credit score and get special offers to save you money.
See updates to your credit score when you log into your digital banking account
You can refresh your score as often as you want, no strings attached
Updates when new credit accounts are open and closed
Unique tools to help you reach your financial goals
Check it out today when you log in to your digital banking account, click on the credit score image within online and mobile banking.
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Become a Member
St. Cloud Financial Credit Union is proud to serve the financial needs of our members. Everyone who lives or works in Stearns, Benton, Sherburne, Wright, Meeker, Kandiyohi, and Morrison counties is eligible for membership. We invite everyone to join! We invite everyone to join! Visit one of our branches and contact us today for more information!