For a limited time, we have fast and flexible Home Improvement Loans so you can maximize your home's equity and finally complete those renovations and upgrades.

With SCFCU, 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!

Looking for a quicker option? You can borrow up to $20,000 with no collateral required! Give us a call at 320-252-2634 or email mortgage@scfcu.org to learn more!

This option includes:

*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.

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.

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.