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St Cloud Financial Credit Union

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St Cloud Financial Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, St Cloud Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

St Cloud Financial Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not St Cloud Financial Credit Union, and you can see how they compare in the St Cloud Financial Credit Union rate tables below. MonitorBankRates evaluates the financial stability of St Cloud Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.54%. Database rates last updated and verified on 08/30/2026.

St Cloud Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at St Cloud Financial Credit Union? Share your experience about St Cloud Financial Credit Union by leaving a review below, or read customer reviews before you decide to use St Cloud Financial Credit Union.

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Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.54%

Excellent Lower than avg

St Cloud Financial Credit Union
St Cloud Financial Credit Union Sartell

1716 Pine Cone Rd S
Sartell, MN 56377

Current Rate Availability

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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for St Cloud Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather St Cloud Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with St Cloud Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name St Cloud Financial Credit Union

Website N/A

Address 1716 Pine Cone Rd S, Sartell, MN 56377

Phone 320-252-2634

Fax 320-258-4520

President Randy Schreifels

CEO Jed Meyer

Full-Time Employees 78

Part-Time Employees 3

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.54%

Return on Assets (ROA)

0.8618%

Return on Equity (ROE)

11.4106%

Non-Performing Loans Ratio (NPL)

0.44%

Total Assets

408,853,600

Total Amount of Shares and Deposits

363,354,856

Total Shares and Deposits < 1 Year

344,606,255

Total Shares and Deposits 1 3 Years

16,156,256

Total Shares and Deposits > 3 Years

2,592,344

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

15,260,559

Total Uninsured Shares and Deposits > $250K (F+J)

15,260,559

Total Insured Shares and Deposits > $250K (item 17 less item K)

348,094,297

Total Interest Expense (Sum of items 6 8)

5,247,262

Share Certificates

4,165

Number of Accounts for Share Drafts

15,826

IRA KEOGH Accounts

657

Number of Accounts for Regular Shares

32,366

All other shares

688

Money Market Shares

1,180

Net Income (unless the amount is already included in Undivided Earnings)

3,523,351

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

9,177,750

Total Liabilities

378,507,099

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

St Cloud Financial Credit Union earned the Verified Strong badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About St Cloud Financial Credit Union

How many branches does St Cloud Financial Credit Union operate?

St Cloud Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join St Cloud Financial Credit Union?

Yes, to access services at St Cloud Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, St Cloud Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, St Cloud Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does St Cloud Financial Credit Union offer online and mobile banking?

Most modern institutions like St Cloud Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.