Maximizing Your Savings With St. Cloud Financial Credit Union
At St. Cloud Financial Credit Union, we’re here to help you make the most of your money. Whether you’re saving for everyday expenses or planning ahead, our range of personal and business Savings Account options makes it easy to grow your funds right here in St. Cloud.
As a member-owned credit union, everything we do is designed around what works best for you. That includes offering competitive savings rates, helpful tools, and a personalized approach that supports your financial goals from day one. We’re proud to be the go-to choice for those looking for more savings in St. Cloud.
Savings Accounts Built for Everyday Needs and Long-Term Goals
We offer a variety of accounts to support how you save, from foundational accounts to more specialized options.
Primary Savings Account – Your first step in becoming a member and building good savings habits.
Personal Savings Account – Ideal for organizing and growing funds for specific goals.
Health Savings Account (HSA) – Set aside money for qualified medical expenses.
Wincentive Savings Account – The more you save, the more chances you have to win cash prizes.
Money Market Accounts – Earn higher dividends with a tiered rate structure.
Club Accounts – Perfect for holiday planning or saving for big annual expenses.
Business Savings Accounts – Reliable savings support for your organization or business.
Grow Your Savings With Certificates of Deposit
When you're ready to set money aside for longer, our Certificates of Deposit provide secure options for steady growth.
Sprout Certificate – Start saving with a low initial deposit and add as you go.
ZigZag Certificate – Step-up options that allow you more flexibility during your term.
Traditional Certificates – Fixed-rate, time-based savings options tailored to your schedule.
Traditional & Roth IRAs – Focused on long-term retirement savings with tax-advantaged options.
Why Choose SCFCU for Maximizing Your Savings?
Everything we offer is designed with one goal in mind: helping you maximize savings. Here’s what sets us apart:
Competitive Rates – Your money earns more here. We’re proud to offer some of the most competitive rates in the area.
Member-Owner Benefits – As a credit union member, you’re not just a customer, you’re an owner.
Personal, Local Service – Our team knows St. Cloud and puts you first, always.
Focused on Community – We're proud to support our neighbors through every financial stage.
Joining is Easy — Here’s How
Becoming a member and opening a Savings Account takes just a few simple steps:
Check Eligibility
Live or work in Stearns, Benton, Sherburne, Wright, Meeker, Kandiyohi, or Morrison counties? You’re eligible to join!Apply Online
Visit our Join the Party page to get started from wherever you are.Open a Primary Savings Account
This account establishes your membership and gets you started.Add Additional Accounts
Choose from our full range of personal or business savings options.Start Saving
Once you’re set up, you can enjoy the benefits of competitive rates, member rewards, and reliable service from day one.
Come Visit Us in St. Cloud
Prefer to talk things over in person? We’re right here in your neighborhood. Our team is ready to help at any of our branch locations
Let’s Start Saving Together
When you’re ready to start maximizing savings, St. Cloud Financial Credit Union is here for you. With competitive rates, flexible savings options, and a focus on your success, we’re proud to be the local credit union that helps you save more.