Loan Rates

Loan rates are subject to change any time. Rates on individual loans may vary.

For current rates, please visit with any Loan Officer or call us at (320)258-2190.

Certificate of Deposit Rates
Savings, Money Market, Checking Rates

To learn about your options for applying for loansclick here.

No Loan Rate at the Credit Union can exceed 18% APR.

We provide financing to purchase autos, trucks, boats, campers and travel trailers, motor homes, snowmobiles, four-wheelers, jet skis, and motorcycles.

We also provide:

  • Home Equity Lines of Credit (Indexed to 6-month Treasury Bill). Click to read federal regulations related to equity plans.
  • Variable rate consumer loans
  • First Mortgages with 5-year terms – Ask about all our Mortgage options. Note: All first mortgage loans with a higher than 80% Loan-to-Value (LTV) must provide Private Mortgage Insurance (PMI). Equity Loans with a LTV higher than 80% are made only by exception.
  • Land loans (for future residential building – not for speculation purchases. Maximum term is 4 years.)
  • MasterCard Platinum credit card - provided through ATIRAcredit. Rate is based on highest Prime Rate three months prior to current month, and on cardholder’s credit score. The rate can never be lower than 8.99% APR.
  • Savings-secured loansMoney Market-secured loans, and Certificate-secured loans (Balloons at CD maturity & loan rewritten to new rate.)
  • Anytime Access - Credit Line that you can use any time; it also serves as Checking Overdraft Protection.
  • Signature Loans
  • Member Business Loans - Rate tied to current Market

Student Loans
 - St. Cloud Federal Credit Union offers a private Student Loan program.

St. Cloud Federal Credit Union continually creates and evaluates its loan programs to ensure they are fairly-priced and meet our members’ borrowing needs.

Loan rates are based on your credit rating. The rates quoted are our best rates. Rates may be higher, based on your credit report. The term of your actual loan may vary, depending on your needs.

Stop in and visit with a Loan Officer, or contact our Loan Department at 320.258.2190 (toll-free: 1.888.252.2634) for complete information. Or contact us by email.

Additional Information about our Loans:

* A 1/4% rate reduction applies on purchase loans (excluding real estate and savings secured loans) with a 20% down payment.

Rates and Terms on all loans are subject to credit approval. St Cloud Federal Credit Union uses a credit score to determine your interest rate. Note: These rates are subject to change.

* All rates are Annual Percentage Rates.

No Loan Rate at the Credit Union can exceed 18% APR.

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