Opening Financial Doors: SCFCU’s Individual Taxpayer Identification Number (ITIN) Lending Program
At St. Cloud Financial Credit Union, we strive to make a meaningful difference for all, and that includes providing trustworthy financial services to every population within the communities we serve.
That’s why we’re proud to offer our Individual Taxpayer Identification Number (ITIN) Lending Program to support individuals with an alternative form of identification.
What is the ITIN Lending Program?
This program was created to better serve underserved communities, giving ITIN holders access to the same high-quality products, services and rates as anyone else. Whether you’re working towards your financial goals or just getting started, we are here throughout the process offering guidance and support.
Why ITIN Lending Matters
For some in our community, having an alternative form of identification can make every day financial goals feel out of reach, leaving ITIN holders without the same opportunities to grow and succeed financially.
SCFCU believes financial health and opportunity should be available to everyone, no matter their background. That’s why we created the ITIN Lending Program, to break down barriers and offer accessible and trustworthy financial services to those who need them.
No matter your financial goals, our team is here to help. We understand the challenges ITIN holders face, and we are committed to helping you every step of the way.
What Products Are Available?
Through the ITIN Lending Program, you can take advantage of:
Deposit Accounts – Checking, Savings, Money Market, Certificate of Deposit (CD)
Consumer Loans
Auto Loans
Who is Eligible?
If you live, work, or worship in Stearns, Benton, Sherburne, Wright, Meeker, Kandiyohi or Morrison counties, or if you choose to donate to our TriUnity Foundation, you’re eligible to become a member at SCFCU. We invite everyone to join!
What Do I Need to Get Started?
Before you open an account, please have the following:
A valid form of a government-issued ID (Passport, Identification Card, Driver’s License, Work Authorization Card, etc.)
Unexpired Visa (if applicable)
Social Security Number (SSN) or Individual Tax Identification Number (ITIN)
Proof of address (if different from provided identification)
Foreign Tax Identification Number
We’re Here for You
Navigating financial systems can feel overwhelming, but you don’t have to do it alone. Our team is here to make the process simple and centered around your goals. Whether you’re looking to save, borrow, or plan your future, we’re ready to help.
If you have any virtual or in-person questions about our ITIN Lending Program, please contact the SCFCU employees below:
Eunice Adjei – 320-257-2161
Kendrick Hernandez – 320-258-2185
*We have an interpreter available upon request.
How to Get Started
Getting started is simple. Visit one of our branch locations, chat with us online at www.scfcu.org, or give us a call at 320-252-2634. Our team will walk you through step-by-step and ensure to answer any questions along the way.