We are here to help you keep your New Year's resolutions, starting with making your house into the home you've always wanted!

For a limited time, open a Home Equity Line of Credit (HELOC) with a special rate of 4.74%* for the first six months or open a fixed rate Home Equity Loan with rates as low as 5.74%* — both with no lender costs!

*For a limited time only. On Approved Credit. Advertised terms reflect all potential discounts and credits. Full terms disclosed at the time of application. Offer is for a limited time only, and is subject to change. Insured by NCUA, Equal Housing Lender.

Your home is a special place, and we are here to help you start smart and save big so you can move into the dream home you've always wanted! For a limited time, save up to $1,100 off closing costs on your first mortgage ... with NO catch!

*For a limited time, save up to $1,100 on qualifying loans with St. Cloud Financial Credit Union. Subject to Credit Approval. Full terms and conditions will be disclosed at the time of application, including the complete list of lender credited fees. Applicant must qualify for membership. Equal Housing Lender, Insured by NCUA.

As the seasons change, there is no better time to fall in love with your future and make your dreams come true! SCFCU is here to help you obtain the land you need for the future plans you're making. We offer land loans for future building, hunting, recreation and lake lots! Our exciting land loan products set the foundation to turn your dreams into a reality and make your future plans grow.

Our land loan offerings include:

Get a 15-year term land loan with a rate of 6.55% and an APR* of 6.795%, or a 5/1 ARM 20-year term loan with a rate of 6.75% and an APR of 6.949%!

*APR is the Annual Percentage Rate. Rates posted are indications only and based off a loan amount of $150,000 and may vary based on your individual circumstances and credit history. Rates are subject to change without notice. Subject to Credit Approval. Actual terms and conditions set at time of application and will be communicated by Lender with the Loan Estimate. Applicant must qualify for membership and meet all other requirements of SCFCU Loan Program. Items listed are estimates only. Insured by NCUA, Equal Housing Lender. Limited Time offer.

We are expanding our NextLevel Business Certificates, including term lengths of 5, 9, 13, 17 and 24 months, to help you take your business to the NextLevel! Included in this expansion is a limited-time offer of a 13-month CD** at 4.50% APY* with a rate of 4.402%!

*APY is Annual Percentage Yield. Certificates listed are available for business members only. The minimum deposit for any certificate is $2,000, unless otherwise noted. There is a substantial penalty for early withdrawal from a savings certificate. Rates are subject to change daily. Certificate investment rates remain fixed for the term of the certificate.

**Requires 50 percent new money. NextLevel certificate bonus - additional 0.25% APY increase to stated promotional APY with new NextLevel Business Checking AND one of the following: certificate balanced greater than $100k, new business credit card, or no business loan. Available on 13-month certificate only. 13-month certificate will automatically renew for 12 months upon maturity.

We want you to realize the dream of home ownership now — without years of waiting to save for the down payment. Our Minnesota Housing loans offer up to 105% financing to cover down payment and closing costs on purchases, making them a great choice for first-time home buyers.

Features of our Minnesota Housing Program include:

Subject to Credit Approval. Full terms and conditions will be disclosed at the time of application, including the complete list of lender fees. Applicant must qualify for membership. Equal housing Lender, Insured by NCUA.