St. Cloud Financial Sartell MN Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to St. Cloud Financial, where we believe that every member of our community deserves access to reliable financial services and personalized support. Located at 1716 Pine Cone Rd S, Sartell, MN 56377, our credit union has been a trusted partner for over 89 years since our establishment in 1934. With a solid foundation built on trust and integrity, we're proud to serve 25,469 members with a strong commitment to their financial well-being. At St. Cloud Financial, we have grown significantly, boasting total assets of $369,417,535 and total deposits amounting to $2,330,972. Our dedication to helping you achieve your financial goals is evident in our diverse range of services from auto loans and mortgages to personal banking solutions tailored just for you. With a robust lending portfolio that includes 14,579 loans and leases, we are here to support your dreams. While members can visit us at our branch location, official correspondence should be sent to the same address: 1716 Pine Cone Rd S, Sartell, MN 56377. Our team of 81 dedicated employees is led by CEO Jed Meyer and Board President Randy Schreifels, who both share a passion for community engagement and member service. With a net worth of $27,252,381 and cash in hand totaling $4,334,655, we remain financially sound and ready to assist you with your needs. Whether you're looking for new ways to save or need assistance with borrowing options, we're here for you. Ready to experience exceptional service? Give us a call at 320-252-2634 or visit us online at St. Cloud Financial today! Your financial journey starts here with us by your side.

Branch History & Mission

Welcome to St. Cloud Financial, a credit union with a rich history and a deep commitment to our community in Sartell, MN. Founded in 1934, we have grown from humble beginnings into a trusted financial partner for over 25,000 members. Our branch is located at 1716 Pine Cone Rd S, conveniently situated near local landmarks that make us easily accessible for all your banking needs. Throughout our journey, we have stayed true to our mission: to provide personalized financial services while supporting the well-being of our members and the surrounding community. We believe in empowering individuals and families by offering affordable loans, savings options, and educational resources that help them achieve their financial goals. With total assets reaching an impressive $369,417,535, we are proud to serve a diverse membership base that includes everyone from students to retirees. As we evolved over the years, we've embraced digital advancements to enhance member experience. Our online banking platform allows members to manage accounts easily from home or on-the-go. Additionally, our commitment to accessibility means that all our facilities meet ADA compliance standards. We also offer convenient ATM access and drive-thru banking services for those who prefer face-to-face interactions without leaving their vehicles. At St. Cloud Financial, community is at the heart of everything we do. We actively engage in partnerships and outreach initiatives aimed at uplifting local residents and supporting important causes. Whether it's sponsoring community events or providing financial literacy programs, we strive to make a positive impact in Sartell and beyond. While members can visit us at our physical location for all banking needs, official correspondence should be sent to 1716 Pine Cone Rd S, Sartell, MN 56377 if you need any assistance via mail. Join us today at St. Cloud Financial and experience firsthand how we can support your financial journey while making a difference in our community! For more information or to open an account, call us at 320-252-2634 or visit our website at StCloudFCU. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility and Parking

At St. Cloud Financial Credit Union, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring that everyone can enjoy a seamless banking experience. Ample parking is available right outside the entrance, so you won't have to worry about finding a spot when you arrive.

Operating Hours

We understand that your time is valuable. That's why our operating hours vary to accommodate your busy schedule. Whether you're an early bird or prefer to stop by after work, we're here for you! If you need assistance outside of regular hours, just give us a call at 320-252-2634.

Services Offered

Our branch offers a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have everything you need under one roof. Plus, enjoy the ease of drive-thru banking for quick transactions like deposits and withdrawals without leaving your vehicle. Additionally, our ATM is available on-site for cash withdrawals and balance checks at your convenience.

Visit Us Today!

We invite you to come by St. Cloud Financial Credit Union - Sartell today! Experience friendly service and discover how we can help you achieve your financial goals. Don't hesitate to call us at 320-252-2634 if you have any questions or need assistance before your visit. We look forward to welcoming you soon!

Member Eligibility

Joining the St. Cloud Financial community is a wonderful way to enhance your financial well-being and enjoy a range of member benefits! Becoming a member at our branch, located at 1716 Pine Cone Rd S, Sartell, MN 56377, is open to anyone who lives, works, or worships in the surrounding area. We believe that everyone deserves access to quality financial services, so if you meet these simple criteria, we'd love to welcome you into our family. Membership not only provides you with personalized banking services but also offers competitive rates on loans and savings accounts, making it easier for you to achieve your financial goals. Getting started is easy! You can check the detailed eligibility requirements by visiting https://onlineaccounts.scfcu.org/membership/agreements. Once you're ready to join us, the account opening process is straightforward; just head over to https://scfcu.org/apply-now to apply online or reach out directly at (320) 252-2634 if you have any questions. We're here to support you every step of the way as you take this exciting step towards financial empowerment!

Business Banking & Commercial Services

Merchant Services that Make Life Easier

In addition to loans, we offer comprehensive merchant services tailored for businesses of all sizes. Imagine having a payment processing solution that allows you to accept credit cards quickly and securely boosting your sales while simplifying your operations. Our services help streamline transactions so you can focus on what really matters: growing your business. Visit us today at St. Cloud Financial in Sartell, MN, or contact us at (320) 252-2634 to discover how our business banking solutions can empower your success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $86 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $34,706,929, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans and Vehicle Financing

For those looking to purchase a new car or refinance an existing loan, we provide competitive auto loans tailored to your needs. Picture yourself driving away in your dream vehicle while enjoying affordable monthly payments that won't break the bank.

Business Banking Services

For business owners, we offer tailored solutions including merchant services and business loans. Your business deserves the best support, and we're here to provide tools that help it thrive.

Convenient Access Options

At St. Cloud Financial, convenience is key. Our drive-thru banking allows for quick deposits and withdrawals without leaving your car, while basic ATM access provides additional flexibility for simple transactions whenever you need them. With all these services at your fingertips, managing your finances has never been easier. If you're ready to take advantage of what we offer or have any questions about our services, don't hesitate to reach out! Call us at 320-252-2634 or visit our website at St Cloud Financial today! We look forward to helping you achieve your financial goals!

Credit Cards with Rewards

Get more from your spending with our credit cards offering rewards on purchases. Whether it's cash back or travel points, you'll benefit every time you swipe. It's a great way to earn while you spend!

Mortgage Loans and Refinancing

Homeownership is within reach with our mortgage loans. We can help you navigate the process, whether you're buying your first home or refinancing an existing mortgage. Our dedicated team will work with you every step of the way, ensuring you find the right loan option that fits your financial situation.

Personal Banking Solutions

When it comes to personal banking, we offer checking and savings accounts that fit your lifestyle. Imagine having easy access to your funds through our online and mobile banking services, which allow you to manage your finances from anywhere. Need cash? Our ATMs are readily available for withdrawals and balance checks, making banking convenient wherever you are.

Personal Loans and Debt Consolidation

Life can sometimes throw unexpected expenses your way. Our personal loans can help cover anything from medical bills to home repairs. If you're looking to simplify your finances, consider our debt consolidation options that could lower your monthly payments by combining multiple debts into one manageable loan.

Digital & Online Banking

At St. Cloud Financial, we understand that managing your finances should be as easy and secure as possible. Our digital and online banking services are designed with you in mind, allowing you to take control of your money anytime and anywhere. With our online banking platform, you can access your accounts 24/7. Whether you need to check your balance, pay bills, or transfer funds, everything is just a few clicks away. Plus, if you're on the go, our mobile application makes it simple to manage your finances right from your smartphone. Imagine handling all your banking needs while waiting for your coffee or during your commute! Security is a top priority for us. We offer electronic signature authorization to make transactions not only easier but also more secure. You can sign documents electronically without the hassle of printing and scanning, keeping everything streamlined and safe. And for those who prefer going paperless, we provide e-statements that let you view your financial information securely online no more cluttering your mailbox. Need to send money to a friend? Our person-to-person transfer feature makes it quick and easy. Just enter their details, and voilà! Money sent in seconds. Plus, if you're into mobile payments, you'll love our convenient options that allow you to pay directly from your phone. At St. Cloud Financial, we aim to empower you with tools that simplify banking while ensuring robust security measures are in place. Explore our digital services today and enjoy the peace of mind that comes with real-time account management!

Financial Strength

A Foundation of Stability

With a net worth of $27,252,381, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $737 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

A Growing Member Base

Trust is built over time, as shown by our growing community of 51,289 members who have chosen us to manage their finances. Our net shares available for lending and investments stand at $1,556,432, further strengthening our ability to meet your needs. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, St. Cloud Financial is your trusted partner. Visit us at 1716 Pine Cone Rd S Sartell Mn 56377 or call (320) 252-2634 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

Our commitment to our members is reflected in our $22,476,376 in undivided earnings. These funds allow us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $7,081 in used auto loans and $314,453,763 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member-Centric Savings

Your savings are secure with us! Members' funds are backed by $121,189,428 in share certificates and $43,113,851 in money market shares, which offer stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by our $834,565, enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 74 full-time employees and 7 part-time employees ready to assist you with knowledgeable support.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $80,008,033 in used vehicle loans and $20,291,556 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to make your vehicle financing as straightforward as possible.

Credit Lines and Unsecured Loans

Managing day-to-day expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $1,950,729 in unsecured credit card loans available, you can access funds when you need them without the hassle. For those looking for additional capital for business growth or other purposes, our credit lines totaling $105,691,466 provide the support you need to achieve your financial objectives.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $26,571,221, designed to fit your budget and lifestyle. Whether you're a first-time buyer or looking to refinance your existing mortgage, our team is here to help.

Refinancing Options

If you're considering refinancing an existing loan or exploring eligibility options for any of our products, our knowledgeable staff is ready to assist you in navigating these choices effectively. For more information about any of these loan offerings or to start your application process today, contact us at 320-252-2634 or visit us at 1716 Pine Cone Rd S Sartell Mn 56377. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let St. Cloud Financial be your partner in achieving your financial aspirations!

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