St. Cloud Financial Sauk Rapids MN Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to St. Cloud Financial, where we believe in fostering a strong community through personalized financial services. Located at 205 2Nd Ave N, Sauk Rapids, MN 56379, our credit union has been serving our members since 1934. With over 25,469 members, we have grown into a trusted financial partner with total assets of $369,417,535 and total deposits amounting to $2,330,972. At St. Cloud Financial, we are proud of our commitment to member service and community support. Led by our dedicated CEO, Jed Meyer, and Board President, Randy Schreifels, our team of 81 employees works tirelessly to provide a range of services tailored to meet your needs. Whether you're looking for auto loans, personal banking options, or business financing solutions, we have you covered. We invite you to explore the many ways we can help you achieve your financial goals. While members can visit us at our branch address for in-person assistance, official correspondence should be sent to the same address: 205 2nd Avenue N, Sauk Rapids, MN 56379. With total loans and leases reaching 14,579, and a net worth of $27,252,381, we are well-equipped to support your financial journey. Our commitment to transparency and reliability sets us apart as a valuable resource for all your banking needs. Feel free to give us a call at 320-252-2634 or visit our website at St. Cloud Financial for more information. We're here to help you every step of the way!

Branch History & Mission

Commitment to Modern Banking

While we honor our history, we are equally committed to embracing modern advancements in technology. Our digital offerings include online and mobile banking services that ensure convenience for our members. With features such as electronic signatures and e-statements, managing finances has never been easier or more efficient. Additionally, our commitment to ADA compliance ensures that all members can access our services comfortably.

Community Focus

Beyond financial services, St. Cloud Financial actively engages with local organizations and events aimed at enhancing the quality of life in our community. We believe in giving back and investing in the future of Sauk Rapids through various outreach efforts. While members can visit us at 205 2Nd Ave N Sauk Rapids Mn 56379, official correspondence should be sent to 205 2nd Avenue N, Sauk Rapids, MN 56379 if it differs from our branch address. If you're looking for a financial partner who genuinely cares about your success and well-being, consider joining St. Cloud Financial today! Experience firsthand how we can help you navigate your financial journey while contributing positively to our beloved community. For more information or to get started, please call us at (320) 252-2634 or visit our website at StCloudFCU.

Our Mission

Our mission at St. Cloud Financial is simple yet profound: to empower our members with accessible financial services while fostering a sense of community. We believe that everyone deserves the opportunity to achieve their financial goals. This mission drives us daily as we offer a range of products, including personal banking services, auto loans, mortgages, credit cards with rewards, and business banking solutions. We understand that every member's journey is unique. That's why we focus not only on traditional banking but also on community outreach initiatives that make a real impact in Sauk Rapids and surrounding areas. Through various partnerships and programs, we aim to uplift those around us, demonstrating that banking can be about building relationships rather than just transactions.

Branch Location & Accessibility

Accessibility Features

At St. Cloud Financial, we prioritize accessibility for all our members. Our branch includes ADA-compliant features such as ramps and designated parking spaces to ensure everyone can visit us comfortably. If you prefer to handle your banking from your vehicle, we've got you covered with our drive-thru service available for deposits and withdrawals.

Call-to-Action

Ready to experience top-notch service? We invite you to visit us at St. Cloud Financial or give us a call at 320-252-2634 today! Your journey towards smarter banking starts here!

Operating Hours

We understand that life can be busy. That's why our lobby is open Monday through Friday from 9 AM to 5 PM. For those on the go, our drive-thru hours are even more accommodating available from 7:30 AM to 6 PM on weekdays.

Services Offered

As a member of St. Cloud Financial, you have access to a wide range of services designed just for you. From checking and savings accounts to vehicle financing and credit cards with rewards, we cater to all your financial needs. Plus, our ATM is always available for quick cash withdrawals or balance checks. Whether you're stopping by for a simple transaction or looking for guidance on larger financial decisions, our friendly team is here to assist you every step of the way.

Member Eligibility

Becoming a member of St. Cloud Financial is like joining a family that truly cares about your financial well-being. If you're looking to experience personalized service and community support, you're in the right place! To be eligible for membership, you simply need to live, work, worship, or attend school in the area surrounding our branch at 205 2Nd Ave N Sauk Rapids Mn 56379. This means that if you're part of our local community, we want you on board! You can find more details about the eligibility criteria by visiting this link: https://onlineaccounts.scfcu.org/membership/agreements . Joining is a breeze, and you can start the process today by checking out our account opening details here: https://scfcu.org/apply-now . If you have any questions or need assistance along the way, feel free to give us a call at (320) 252-2634. We're excited to welcome you into our St. Cloud Financial family!

Business Banking & Commercial Services

Financing for Growth

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.

Merchant Services Made Simple

In addition to loans, we provide merchant services that make transactions easy. Imagine your customers paying quickly and securely whether they're using credit cards or mobile payments. Our services not only enhance customer experience but also streamline your operations, allowing you to focus more on what matters: growing your business. Visit us at 205 2Nd Ave N Sauk Rapids Mn 56379 in Sauk Rapids, MN, or call us at (320) 252-2634 to learn how we can partner with you for success!

Comprehensive List Of Services

ATM and Drive-Thru Services

For those times when you need cash or want to perform simple transactions without entering the branch, our ATM services are readily available. Plus, our drive-thru banking allows for quick deposits and withdrawals without leaving your vehicle a perfect solution for busy schedules! At St. Cloud Financial, we are committed to making banking accessible and straightforward for all our members. If you're ready to explore how we can support your financial journey, don't hesitate to reach out! Call us at (320) 252-2634 or visit us in person at 205 2Nd Ave N Sauk Rapids Mn 56379. We look forward to serving you!

Business Banking Services

If you're a business owner, you'll appreciate our business banking solutions, including merchant services and business loans tailored to support your growth. We're here to provide resources that empower local businesses to thrive.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your accounts anytime, anywhere. Whether it's checking balances or transferring funds, our secure systems ensure that banking is always at your fingertips.

Financial Flexibility with Loans

We also recognize that life can throw unexpected challenges your way. That's why we offer personal loans and debt consolidation services to give you peace of mind when you need it most. Our credit cards come with rewards that can help you save on purchases while building your credit history.

Home Financing Options

For those dreaming of homeownership, St. Cloud Financial provides mortgage loans and refinancing options that can help make your dream a reality. Our experienced staff will guide you through the application process, ensuring you understand all your choices and can find the right fit for your budget.

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts that make it easy for you to manage your money. Whether you're saving for a vacation or just looking for a reliable account for everyday transactions, our options cater to various needs. If you're in the market for a new vehicle, consider our auto loans and vehicle financing services designed to get you behind the wheel quickly and affordably.

Digital & Online Banking

Mobile Banking Convenience

For those who love to bank on their mobile devices, our dedicated mobile application provides quick access to all your banking needs. With features like mobile payments and person-to-person transfers, sending money to friends or making purchases has never been simpler. You can also utilize electronic signature authorization for secure document handling right from your phone.

Online Banking Experience

With our user-friendly online banking platform, available at https://scfcu.org/ , members can check balances, transfer funds, and pay bills anytime, day or night. Enjoy the convenience of 24/7 online banking services that fit your lifestyle. Plus, if you prefer paperless statements, we offer e-statements to help you keep track of your finances effortlessly.

Security You Can Trust

At St. Cloud Financial, we prioritize your security. Our digital banking tools come equipped with advanced security measures so you can bank confidently, knowing that your personal information is safe. With easy-to-use interfaces and real-time account management, keeping track of your finances has never been more accessible. Whether you're looking to manage daily transactions or need help with long-term financial goals, our digital banking services are designed to support you every step of the way. Explore all that St. Cloud Financial has to offer by visiting us online at https://scfcu.org/ today!

Financial Strength

Investing Back into Our Community

With $22,476,376 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is substantial; with $7,081 in used auto loans and $314,453,763 in total loans and leases, we support members' financial goals across various sectors.

Member Trust

Total Share and Deposit Accounts stand at 51,289, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) total $1,556,432, which further enhances 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 205 2Nd Ave N Sauk Rapids Mn 56379 or call (320) 252-2634 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $834,565 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 74 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Opportunities

Members' savings are secured through $121,189,428 in share certificates and $43,113,851 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

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.

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 interest rates to make your vehicle financing straightforward and manageable.

Business Loans

For business owners, our outstanding commercial loans totaling $34,706,929 provide the capital needed to grow and expand. We understand the unique financial needs of businesses and are dedicated to helping you succeed.

Credit Lines

Additionally, our total credit lines amounting to $105,691,466 are designed for those who want flexible access to funds when they need it most. This option allows you to borrow as needed while only paying interest on what you use. If you're ready to explore any of these options or have questions about eligibility or refinancing possibilities, please don't hesitate to reach out. You can contact us at 320-252-2634 or visit us at our branch located at 205 2nd Ave N Sauk Rapids MN 56379. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. We look forward to assisting you with your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $26,571,221, make buying or refinancing simple. We offer personalized service to help you navigate the mortgage process smoothly. If you're considering refinancing your existing mortgage, we can assist with eligibility options tailored just for you.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our unsecured credit card loans. We also offer flexible terms on these loans, with a total of $1,950,729 available to help members manage their finances effectively. Our credit cards come with rewards that can benefit you further while giving you the freedom to spend as needed.

Loan Aggregator

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ST. CLOUD FINANCIAL CREDIT UNION