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St. Cloud Financial Credit Union
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Online Banking

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Open an Account

A Line of Credit Can Go to Work for You

From major home damages to medical expenses, a need for extra cash can come out of nowhere. No matter how well prepared you may be, even the best planning can't anticipate everything. When you're looking for a quick, simple and reliable way to increase your cash flow without the commitment of a traditional loan, a line of credit from St. Cloud Financial Credit Union can be the right answer for you.

Home Equity Credit Line

A Home Equity Line of Credit is a form of revolving credit in which the equity in your home serves as collateral for money when you need it. Instead of borrowing money with a loan agreement that needs to be paid back on a set schedule, a home equity line allows you to draw out money when you need it, without the need to visit the Credit Union, to access quickly in your checking or savings account.

  • Minor out of pocket expenses that may be tax deductible
  • The Credit Union’s Home Equity annual percentage rate is based on the six month Treasury Bill and is guaranteed not to increase more than 2% annually
  • No pre-payment penalties 
  • No annual fee

Anytime Access Line of Credit

An Anytime Access line of credit is a revolving line of credit with flexible terms that allow you to call on the funds you need, whenever you need them.

  • Provides checking overdraft protection
  • No account opening fee
  • No interest charges until funds are used
  • Easy access to funds

There's no reason life circumstances should set your finances back. When you need assistance, our loan experts are ready to get to you on the right track. Apply for a credit line to meet any financial need! 

Contact

Phone: 320-252-2634

Toll Free: 888-252-2634

Email: info@stcloudfcu.coop

Routing Number: 291975656


Credit Union NMLS #421441

 

HOURS OF OPERATION

 

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:

Temporarily Closed

 

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

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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