Buying your first home is one of life's biggest moments — it can be exciting, emotional and maybe even stressful. At St. Cloud Financial Credit Union, our experienced team of mortgage lenders are here to guide you through the process to make that journey just a little bit easier. We want to help you open the door to the future so you can obtain that dream home you've always wanted. For a limited time, save up to $1,200 on closing costs on your first mortgage with SCFCU. That’s right, $1,200 off closing costs!

This holiday season, it's not just Santa delivering great deals — St. Cloud Financial Credit Union is helping you sleigh your auto rate! For a limited time, SCFCU is spreading holiday cheer by offering auto rates as low as 3.24% on all new or used vehicle purchases! Yes, you read that right! 

As the leaves continue to fall, rates are starting to follow suit. But at St. Cloud Financial Credit Union, we’re giving you a chance to take advantage of locking in a strong rate before they drop! For a limited time, we are offering a new 7-month Certificate of Deposit (CD) with a special interest rate of 4.25% APY! This offer requires 50% new money. 

You're already spending the money, so why not get rewarded for it?? With your St. Cloud Financial Credit Union Rewards Credit Card, you get rewarded for every dollar you spend. But now, you get even more!  Your local credit union is excited to offer FIVE TIMES the rewards points on your purchases at qualifying retail stores made between Oct. 1-Dec. 31 with your Rewards Credit Card. You heard that right — five times! 

At St. Cloud Financial Credit Union, we want to help you embrace the big life moments so you can make more room for what matters most! For a limited time, your local credit union SCFCU is offering no lender costs with a Home Equity Line of Credit and a Fixed Rate Home Equity Loan, with rates as low as 5.25%!

Your dreams don't stop at the edge of the woods. Whether it's creating your own hunting paradise, building a family retreat or investing in land for the future — the buck stops here. For a limited time, your local credit union is offering land loans for hunting land, future building, recreation and lake lots with rates as low as 5.99% and an APR of 6.19%! No gimmicks, no hidden trails — don’t let this season pass you by!

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? Among our 5, 9, 13, 17 and 24 month NextLevel Business Certificates, get a 13-month CD at 4.50% APY with a rate of 4.402%!

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.