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St. Cloud Financial Credit Union
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Online Banking

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People Helping People!

Here's why you get a better deal at our Credit Union.

A better deal financially...

A better deal in personal service...

We are not-for-profit...

We care, we will get to know you as a person, and we will never offer you something you don't need.

 

What's the Difference?

Our Credit Union

St. Cloud Financial Credit Union is not a bank. We offer banking services, but we are a not-for-profit financial cooperative.

Our Credit Union

We are not owned by investors - we are owned by our members. We are a "financial cooperative" consisting of individuals with a common affiliation. In our case, that affiliation is geographic and it is local.

Everyone who lives works, or worships in Stearns, Benton, Sherburne, Wright, Meeker, Kandiyohi, and Morrison counties can be our member. That also includes the extended families of members, no matter where the family members may live.

Our Credit Union

Our profits stay in the Credit Union to help offer competitive rates, products, and services. We invest our profits back into our membership and into our communities. We strive to make a lasting, meaningful difference. 

Profits benefit people.

Our Credit Union

As in the banking industry, we are governed by a board of directors. Members of our board and various oversight committees are local volunteers who are also members of the Credit Union. They receive no compensation for their service and commitment.

At the Credit Union, since we don't have stockholders, there is no confusion - we are here for people.

Banks

Banks are for-profit businesses. Making a profit is necessary for Credit Unions, too. The difference comes in the way those profits are used.

Banks

Banks are owned by private or public investors. To them, a bank is a way to make a return on their investment.

Also, banks have no restrictions on where their customers live or work. The large money center and interstate banks (Citigroup, Bank of America, JP Morgan-Chase, TCF, US Bank, Wells Fargo, and others) can operate anywhere in the USA or possibly anywhere in the world.

Banks

These interstate banks generally have no "home town" loyalties. Their profits, for the most part, do not stay in the communities where they do business.

Profits go to the bank investors.

Banks

Banks are for-profit institutions run by officers and directors who are legally bound to make decisions in the best interest of the stockholders. Banks have to keep their stockholders happy.

Banks are run by officers and directors chosen by owners, stockholders, and bank holding companies, many of whom are located out-of-state, especially in the case of money center and interstate banks.

Directors of banks customarily receive director fees, per diems, stock options, and other perks.

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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