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St. Cloud Financial Credit Union
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Online Banking

Want Lower Auto Payment?

CLICK HERE! 

Open an Account

Elan MasterCard Business Credit Card 

Choosing the right business credit card is easier than ever.

No matter which card you choose, you’ll enjoy important features like:

  • Expense management tools
  • No fee for additional employee cards
  • EMV smart chip technology for added security
  • Mobile payment capability for added convenience

 

Let’s get started...

Pick the Best Rewards for You!

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Flexible Cash Rewards For Your Business

Mastercard® Business Cash Card

  • 3% cash back1 on eligible net purchases from office supply stores, phone and TV services 
  • 2% cash back on eligible restaurant and gasoline net purchases
  • 1% cash back on all other eligible net purchases

$25 cash back awarded after first purchase


Learn More

Apply Now

 

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Rewards To Use The Way You Want

 Mastercard® Business Real Rewards Card

  •  Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards
  • 2,500 bonus rewards points awarded after first purchase
Learn More 
Apply Now


Mastercard® Business Rewards PLUS Card

  • Earn 3 points monthly for every $1 you spend the most on cellular phone service, hotel, or airline6
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases
  • Plus, earn 20,000 one-time bonus rewards points after you spend $2,000 in the first 3 months
  • No cap or limit on the total cash back you can earn, and you have five years to redeem for rewards
Learn More 
Apply Now

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Pay Down Balances

 Mastercard® Business Platinum Card

  • Pay down your other credit card balances faster with a great low introductory  rate for an extended time
  • Save on interest
  • Non-Rewards

Learn More

To Apply: Please visit your nearest branch! 


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1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

 

2 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in  Cash Back Rewards earned is equal to $0.01. You may simply see “Cash  Back” in marketing material when referring to the rewards you earn. You will earn  1 Reward  Point  (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2  additional  Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV  services.  In addition, you will earn  1  additional  Point  (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

 

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.

 

4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

 

5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

 

6 Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.

 

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.


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Contact

Phone: 320-252-2634

Toll Free: 888-252-2634

Email: info@stcloudfcu.coop

Routing Number: 291975656

Credit Union NMLS #421441


SAUK RAPIDS (COMING SOON)

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


DTN 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

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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

© 2019 St. Cloud Financial Credit Union | Routing Number: 291975656

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