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SCFCU Business Banking That Works as Hard as You Do


Whether you're opening a business for the first time, expanding your business, purchasing equipment or planning for future growth, every decision matters.

At St. Cloud Financial Credit Union, we believe business banking should be more than transactions and account statements — it should be a partnership built around your goals, your challenges and your success.

That's why we're committed to helping local businesses thrive with personalized service, flexible financial solutions and a team that genuinely cares about you, your business and our community.

NextLevel Business Suite

Whether you're looking for an everyday checking account, a place to grow your money or a long-term savings solution, we offer business products designed to help you make the most of your money.

Our full range of products provide you with exceptional benefits that truly stand out, with the most competitive rates in the area – because you deserve the best. 

NextLevel Business Checking

  • A unique four-tier product allowing you to earn dividends on your money — most financial institutions don’t pay interest on your business checking. View our rates for full details.

  • No fees and no minimum balance required — just pure benefits.

  • Free mobile deposit, online banking, e-statements, bill pay, text alerts, overdraft protection, and ATM withdrawals at more than 48,000 ATMs nationwide.

NextLevel Business Money Market

NextLevel Business Certificates

Our goal is simple: provide competitive products that help your business grow while delivering the exceptional service you deserve.

Elevate Your Business By Taking It NextLevel with SCFCU!

Lending Helps Your Business Grow

Whether your starting, expanding, or investing in your business, we’re here to help you take that next step with confidence by offering lending solutions tailored to your business's unique needs.

Our business lending options include:

  • Business Credit Cards — Flexible funds you can access when you need them. Fixed rates as low as 9.99%!

  • Working Capital Loans — Keep your operations moving smoothly with flexibility to adjust to ebbs and flows in your cashflow cycle

  • Business Auto Loans — Whether you need one vehicle or a fleet, we offer flexible financing with competitive raters for reliable transportation that supports your business.

  • Equipment & Machinery Loans — Invest in tools or technology that improve productivity and help your business grow with flexible financing and competitive rates

  • Real Estate Loans — Finance new property, renovations, rentals or expansion projects that put you on the map

  • SBA Loans — Long-term, fixed-rate 504, 4(a) and Express loans designed to support local business growth and job creation

Our team takes the time to understand your business and recommend financing solutions that support your long-term goals — not just today's needs.

view our current rates

Simplify Operations with Merchant Services

Simplify merchant payments, boost management efficiency, and provide the following features with SCFCU Merchant Services:

  • Debit and credit card processing

  • In-store, online and mobile payments

  • Secure, reliable technology

  • View transaction data and business insights quickly and easily

  • No contracts or termination fees

Spend less time worrying about payment processing and more time focusing on your customers.

SCFCU Merchant services

Local Decisions. Personal Service.

One of the biggest advantages of working with our team at SCFCU is having a team that knows your community — because we're part of it.

We understand the unique opportunities and challenges local businesses face, and we're committed to bringing you personal service, strong local knowledge and flexible financing to help along the way so you can thrive.

Because when local businesses succeed, our entire community succeeds.

Learn more about by visiting scfcu.org/business, calling 320-252-2634 or stopping into your nearest SCFCU branch.

Products, News, BusinessMitchell Hansen