St. Cloud Federal Credit Union lends millions of dollars each year to thousands of members. Members obtain financing through St. Cloud Federal for everything from automobiles to home improvements to vacations. Loan interest rates are reviewed regularly to ensure they are competitively priced. All rates and terms are subject to change without prior notice.

New Vehicle: St. Cloud Federal Credit Union may finance up to 100 percent of the cost of a new car, truck or van, including tax and license, and mechanical breakdown insurance. The maximum term for this loan is up to 72 months. Rate, term and down payment are subject to credit & collateral approval.

Used Vehicle: St. Cloud Federal Credit Union may finance up to 100 percent of the NADA Book value (call for NADA details). Terms up to 60 months are available. Rate, term and down payment are subject to credit & collateral approval.

Your credit union also provides GAP (Guaranteed Asset Protection) coverage to protect your investment in your new or used vehicle.

Auto Equity Loan: Homeowners may purchase (or refinance) a new or used car with an Auto Equity Loan. The auto loan may be secured by both the vehicle and the member's home with many advantages. A fixed rate with terms up to 84 months are available. Rate, term and down payment are subject to credit and collateral approval.

Pre-Approvals of New and Used Vehicle Loans available: A member may fill out an application before she/he starts shopping for a vehicle. Once it's approved, the member may select a vehicle at his/her leisure. A pre-approved vehicle loan is valid for up to 60 days. Pre-Approved financing may give the member an advantage when bargaining for the price of the vehicle.

Motorcycle Loan: St. Cloud Federal Credit Union may finance up to 100 percent of the purchase price (tax and license included) of a new motorcycle, up to 100 percent of the low blue book value of a used motorcycle. Rate, term and down payment are subject to credit & collateral approval.

EQUITY ONE with Draft (Home Equity Loan): Equity One with Draft is a form of revolving credit in which the equity in your home serves as collateral. Draw out funds as you need them, normally by writing a draft (special check), up to a predetermined limit. Generally, the interest rate is lower than other consumer financing options; the amount of money you can borrow is normally larger than other types of personal loans; and, depending on a person's tax situation, the interest paid on a home equity loan may be deductible. Equity One can be used to pay for home improvements, medical bills, education, and other major expenses.

Line of Credit: Members can establish an unsecured, open-ended Line of Credit up to $15,000 (based on creditworthiness) and draw upon it when they wish.

Unsecured Installment Loan: Members can borrow up to $15,000 (based on credit worthiness) for the purpose of vacation, furniture or other major purchases. Maximum term is 48 months. NOTE: The maximum unsecured amount any member can have with St. Cloud Federal Credit Union is $15,000. This includes all the types of unsecured loans, Visa, Line of Credit, Checking Line of Credit and all other unsecured or undersecured loans. The maximum loan amount secured by collateral (car, boat, etc.) is $150,000.

Use our handy calculators to compute your loan payments.

For loan support questions, contact our Loan professionals at 320-258-2190 or 320-252-2634; Toll-free: 1-888-252-2634.  Contact us.

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