If building a home has been on your mind, this is the perfect time to start. And St. Cloud Financial Credit Union has an opportunity to help make it possible! For a limited time, your local credit union is offering construction loan rates as low as 5.49% APR, allowing you to build now and pay less as you start to bring those dreams of a new home to life. With rates at 5.49% APR up to 80% loan-to-value and 6.49% APR up to 90% loan-to-value.

Starting or running a small business means wearing a lot of hats — and financing shouldn't be one that slows you down. At St. Cloud Financial Credit Union, we're here to help! We know small business because we are a small business. Locally rooted, relationship driven and focused on long-term success. For a limited time, we have a special offer on SBA 7(a) Business Loans to support what you're building with a process that's efficient, thoughtful and tailored to your needs. 

Are you looking to expand, upgrade or invest in the perfect space for your business so you can take the next step to bringing to life what you've always dreamed of? Now is the perfect time — but don't wait! This offer won't last long! At St. Cloud Financial Credit Union, we're offering a limited-time special on Commercial Real Estate Loans with rates as low as 5.75% fixed for up to seven years!

Maximize your home’s equity with SCFCU’s fast and flexible Home Improvement Loans so you can finally complete those renovations and upgrades! You can leverage up to 100% of your home's value with a Home Equity Loan for larger renovations or significant projects — with flexible terms to fit your budget!

Do you have extra funds you would like to grow effortlessly? We have 5, 9, 12, 17 and 24 month NextLevel Business Certificates available just for you!

Realize the dream of home ownership without waiting to save for the down payment with our Minnesota Housing Program, which offers up to 105% financing to cover down payment and closing costs.