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Buy Now, Pay Down the Road! 🚗

For a limited time, when you take out a car loan or recreational loan at SCFCU, you can wait 90 days before making your first payment! No catch, just a little extra flexibility for you. Because this process should be exciting — not stressful. 

Ready to get started? Buy now and pay down the road (pun intended 😉) so you can enjoy the summer the way you want!

Mitchell Hansen
Drop Your Credit Card Rate to 1.99%!

SCFCU wants to help you pay down your debt faster by ditching those high-interest credit card rates that you get elsewhere. For a limited time, drop your credit card rate to 1.99% APR when you transfer your credit card balance to SCFCU! That’s right — transfer your credit card balance you have elsewhere to our Rewards, Platinum or Business Rewards credit card and receive just a 1.99% interest rate!

Mitchell Hansen
Build Now, Pay Less with SCFCU!

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.

Mitchell Hansen
Space to Grow Your Business!

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!

Mitchell Hansen
Don't Move, Improve!

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!

Mitchell Hansen
Take Your Business to the NextLevel!

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!

Mitchell Hansen
Making Your Dream Home a Reality!

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.

Mitchell Hansen