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St. Cloud Financial Credit Union
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Online Banking

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Open an Account

Savings*, Money Market & Checking Account Rates

  • Calculators
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* Federal Government Regulation "D" limits the number of savings withdrawals that can be made during a month. Among other things, these limits can prevent checks from clearing on your checking account because transfers are denied. Please ask us for more information to ensure your success here!

Regular SavingsBalance Range Rate:APY
$10 minimum balance to open an account All balances  0.05%  0.05%
Club SavingsBalance Range:Rate APY
No minimum balance to open account All balances  0.05% 0.05%

Harvest Checking

Balance RangeRateAPY
$100 to open; no minimum balance to maintain First $2,500 1.00% 1.00%
  $2,501 - $5,000 0.50% .50%
  $5,001 - $10,000 0.15% 0.15%
  $10,001 & higher 0.15%  0.15%
Health Savings AccountBalance RangeRateAPY
No opening fee, no minimum balance, no transaction fees. Earn dividends on entire balance. $0 to $2,499 0.25% 0.25%
  $2,500 to $9,999 0.25% 0.25%
  $10,000 and higher 0.25%  0.25%
Money Market Insured Investment AccountBalance RangeRateAPY
$2,000 minimum balance $2,000 to $9,999 0.05%  0.05%
  $10,000 to $24,000 0.10%  0.10%
  $25,000 to $49,999 0.15%  0.15%
  $50,000 to $99,999 0.25%  0.25%
  $100,000 & higher 0.30%  0.30%
IRA Insured Money Market Investment AccountBalance RangeRateAPY
(Daily Deposits) No opening fee, no minimum balance, no transaction fees. $0 to $9,999 0.05% 0.05%
Traditional, Roth, Coverdell $10,000 to $24,999 0.10% 0.10%
  $25,000 to $49,999 0.15%  0.15%
  $50,000 to $99,999 0.25%  0.25%
  $100,000 & higher 0.30%  0.30%
Small Business CheckingBalance RangeRateAPY
$3,000 minimum balance $3,000 and higher  0.05%   0.05%
Regular Checking
Click here for additional details on Regular Checking.
No dividends paid on this account.    

Additional Notes regarding Deposit Accounts:

** APY is Annual Percentage Yield. This rate schedule states rates which are applicable to specified accounts.

  • Dividends are credited to your account and compounded every month.
  • All savings rates are variable; this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.
  • If maintenance or activity fees are charged on an account, these fees could reduce the earnings on the account.
  • Primary Savings (S1) requires a $25 minimum balance to open an account, and $100 minimum balance to earn a dividend.
  • Club Savings requires no minimum balance to open (Credit Union membership must previously have been established by opening a Primary Savings account), and $100 minimum balance to earn a dividend.
  • Money Market Insured Investment Account requires a $2,000 minimum balance.

For details about deposit share insurance on your accounts, please click here.

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.

Equal Housing Lender

NCUA Insured

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