Elevate Your Banking Experience with SCFCU's Diamond Membership
What if your everyday banking could do more for you? More opportunities to grow your savings, more ways to earn rewards and more benefits to help you reach your financial goals?
At St. Cloud Financial Credit Union, we believe your money should work just as hard as you do. That's why we're making it easier to get more out of your banking experience with our exclusive Diamond Membership! 💎
From earning a 7% rate on your checking account to unlocking better savings rates, loan discounts and credit card rewards, Diamond Membership is designed to help you make the most of your money.
Let's take a look at what makes being a Diamond Member so rewarding!
Make Your Everyday Money Work Harder with Diamond Checking
Your checking account is something you use nearly every day. Whether you're paying bills, grabbing groceries or making everyday purchases, why not earn more on the money you're already using?
With SCFCU Diamond Checking, you can earn a 7% APY introductory rate on balances up to $2,500!*
But the benefits don’t stop there. Diamond Checking also offers:
No monthly fees or minimum balance requirements
Early pay to access eligible direct deposits sooner
Free online and mobile banking
Free ATM withdrawals at more than 60,000 in-network ATMs
Identity theft protection on debit cards and fraud monitoring
Free first order of checks
It's everything you need from a checking account, with even more opportunities to make your money work for you!
Grow Your Savings and Unlock Exclusive Benefits
Whether you're saving for your next big purchase, planning for retirement or simply building a financial cushion, every little bit helps.
With an SCFCU Diamond Membership, you can unlock additional benefits designed to help your savings grow and make borrowing more affordable — just for being a member!
Diamond Membership perks include:
Higher CD Rates — An increase of 0.50% on Certificate of Deposit (CD) rates^
Loan Discounts — A discount of 0.25% off eligible loans**
Premium Savings Opportunities — Gain access to exclusive Diamond Money Market, IRA Money Market and CD rates
Get Rewarded for Your Everyday Spending
You're already spending the money, so why not get rewarded for it?
With the SCFCU Diamond Rewards Credit Card — which has a fixed-rate as low as 9.99% APR, with no annual fee — you can turn everyday purchases into something more! Earn one rewards point for every dollar you spend, whether you're filling up your gas tank, shopping for groceries or making purchases throughout the month.
What's better than earning rewards? Getting to choose how you use them! The points you earn can be redeemed how and when you want from a variety of exciting options, including:
Travel and experiences
Merchandise and gift cards
Tickets and live concerts
Cash back
Donations to our TriUnity Foundation
Whether you're dreaming of your next vacation, planning a fun experience with friends or family, or simply looking for a little extra cash back, your rewards can help make it happen.
Ready to Unlock Your Diamond Benefits?
Your financial journey is unique, and we believe your banking experience should reflect that.
Whether you're looking to earn more on your everyday checking balance, grow your savings, save on borrowing or get rewarded for your purchases, SCFCU Diamond Membership brings more opportunities together in one place.
More value. More benefits. More ways to make your money work for YOU!
*APY = Annual Percentage Yield. Guaranteed for 12 months. Must meet account qualifications and open Reward Credit Card or finance new auto loan to qualify for 7% APY on balances up to $2,500. Balances over $2,500 will earn lower, tiered rates. After 12 months, the APY will revert to the standard rate. To maintain a Diamond Checking account and receive the premium dividend rates, the following requirements must be met each month: at least 15 debit card transactions must post and clear each month, or there must be 15 credit card transactions on the current month’s credit card billing statement, or a combination of the two that equals 15; and you must elect for and receive electronic statements. Call SCFCU for more information at 888-252-2634.
^Must have an active Diamond Membership and an eligible SCFCU loan product to be qualify for the 0.50% increase.
**Must have an active Diamond Membership to qualify for the 0.25% discount.