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St. Cloud Financial Credit Union
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Online Banking

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Open an Account

Use Your Home to Your Advantage With a Home Equity Credit Line

Your home is likely the most valuable asset in your life, as it well should be - where you live is a safe haven for you and your family. As such, purchasing a home takes an amazing amount of capital that is generally paid back over several decades. Instead of tying up the equity in your home, use it to your advantage with a home equity line of credit! 

While a traditional loan depends on your credit rating and what a bank is willing to lend you, a home equity line of credit allows you to borrow directly against the equity you have in your home. With the possibility to draw money when you need it, a home equity loan from St. Cloud Financial Credit Union can be the the solution to your quick cash needs. 

A Home Equity Line of Credit is a form of revolving credit in which the equity in your home serves as collateral, allowing you to draw out money when you need it, without the need to visit the Credit Union.

  • Transfers using online banking, mobile banking, or phone
  • Use for any purpose, including education, home improvements and repairs,medical bills, emergency expenses, automobiles, and weddings.
  • Application with home appraisal or tax appraisal
  • Minor out of pocket expenses, including closing costs, title examination, and appraisal,that may be tax deductible
  • Possible tax deduction on interest paid
  • Annual interest rate that is based on the Prime Rate +.25%
  • Interest due only on funds used
  • No prepayment penalties 
  • No annual fee

There's no reason that your most valuable asset can't work in your favor. Call today to speak to a Member Advisor and put your home equity to good use with help from St. Cloud Financial Credit Union!

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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