Trustone Financial Saint Cloud MN Credit Union | Affordable Auto Loans & Business Banking

Introduction

At Trustone Financial, we believe in building strong relationships and supporting our community. Located at 3240 W Division St, Saint Cloud, MN 56301, our branch has been a trusted partner for over 80 years, having established roots back in 1939. With a total membership of 215,432, we are dedicated to providing personalized financial services that cater to your needs. While members can visit us at our branch location, official correspondence should be sent to the same address. As a member-focused credit union, we pride ourselves on our robust financial standing, boasting total assets of over $5.35 billion and total deposits exceeding $196 million. Our commitment to you is evident in our total loans and leases amounting to 124,642, ensuring that we have the resources to support your financial aspirations. Led by our CEO Dale Turner and Board President John Christenson, our team of 546 employees works tirelessly to offer a range of services including personal banking, auto loans, mortgages, and business banking solutions. We understand that every financial journey is unique, which is why we strive to provide flexible options tailored just for you. With a net worth of $572 million and cash readily available at $71.83 million, Trustone Financial stands as a pillar of stability within the community. We invite you to explore the many ways we can help you achieve your financial goals. For more information or assistance, feel free to call us at 800-862-1998 or visit our website at Trustone Financial. Join us today and experience the difference that a community-driven credit union can make!

Branch History & Mission

A Commitment to Accessibility

We take pride in being an inclusive organization. Our facilities are designed to be ADA compliant, ensuring that everyone can comfortably access our services. Additionally, with both ATM availability and drive-thru banking options at your convenience, managing your finances has never been easier. While members can visit us at our branch location for all their banking needs during our operating hours Monday to Friday from 9 AM to 5 PM and Saturday from 9 AM to 1 PM official correspondence should be sent to our mailing address at 3240 W Division St, Saint Cloud, MN 56301-3821. As we look ahead, we invite you to join the Trustone Financial family. Experience firsthand the benefits of membership where your financial goals are supported every step of the way. Contact us today at 800-862-1998 or visit us online at Trustone Financial to learn more about how we can help you achieve your dreams!

Our Mission

Our mission is clear: we strive to empower our members through accessible financial services while actively supporting our community. We provide a range of products including personal banking options like checking and savings accounts, auto loans, mortgage solutions, and business banking services. We believe that by focusing on the needs of our members and fostering strong community ties, we can create a brighter financial future for everyone. At Trustone Financial, we are dedicated not only to providing exceptional financial services but also to making a positive impact in Saint Cloud and beyond. We engage in various outreach efforts and partnerships aimed at uplifting those around us. This commitment reflects in our values as we work diligently to offer innovative solutions such as online and mobile banking, ensuring that all members have access to their finances anytime, anywhere.

Branch Location & Accessibility

Welcome to Trustone Financial at our St. Cloud branch, conveniently located at 3240 W Division St, Saint Cloud, MN 56301. Our branch is easy to reach and nestled near popular landmarks like the local shopping centers and parks, making it a great spot for your banking needs. We understand how important accessibility is for our members. That's why our branch features ADA-compliant entrances and parking spaces, ensuring everyone can visit us with ease. Plus, we have both drive-thru banking and ATM services available for those who prefer a quick transaction without stepping inside. Our operating hours are designed to fit your busy schedule. You can stop by our lobby from Monday to Friday between 9 AM and 5 PM, with Saturday hours from 9 AM to 1 PM. If you're in need of drive-thru service, we're here for you from Monday through Friday, starting at 8:30 AM until 6 PM, and on Saturday from 9 AM to 1 PM. While members can visit us at the above address, please note that official correspondence should be sent to the same address: 3240 W Division St, Saint Cloud, MN 56301-3821. If you have any questions or would like more information about our services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards feel free to give us a call at 800-862-1998. We're here to help you achieve your financial goals!

Member Eligibility

Becoming a member of Trustone Financial means joining a welcoming community where your financial needs are our priority. If you live, work, or attend school in the areas we serve, you're likely eligible to join us! We also welcome family members of current members, making it easy for you to share the benefits of membership with your loved ones. At Trustone Financial, you'll enjoy personalized service and a range of financial products designed just for you from checking and savings accounts to loans and credit cards that fit your lifestyle. The process to become a member is simple and straightforward. To learn more about the specific eligibility criteria, please visit our website at https://trustonefinancial.org/about-us/membership. When you're ready to open an account, you can easily start that process online by following this link: https://applymortgage.trustone.org/homehub/signup/[email protected]?from_mobile_share=true. If you have any questions or need assistance, don't hesitate to reach out at (800) 862-1998. We're excited to welcome you to the Trustone Financial family!

Business Banking & Commercial Services

Business Loans That Make a Difference

Our dedication to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $668 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,275,558,427, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Empower

Running a business means focusing on what you do best. Our merchant services streamline payment processes, making transactions easy for both you and your customers. Imagine having a reliable system that allows you to accept payments effortlessly whether it's at your storefront or online. This not only enhances customer satisfaction but also helps you manage cash flow effectively. Join us at Trustone Financial, located at 3240 W Division St, Saint Cloud, MN 56301, and discover how our business banking and commercial services can take your enterprise to new heights. For inquiries, call us at 800-862-1998!

Comprehensive List Of Services

Business Banking

For our business members, Trustone Financial offers tailored solutions through our business banking services. From merchant services that make transactions easier for both you and your customers to business loans that help fuel growth, we're committed to supporting local businesses in their journey.

Convenient Access

Our branch located at 3240 W Division St, Saint Cloud, MN 56301, features an ATM for cash withdrawals and a drive-thru service for quick transactions like deposits and withdrawals. We also participate in shared branching, allowing members of partner credit unions to perform basic transactions right here at our location. At Trustone Financial, we believe in making banking accessible. With lobby hours from Monday through Friday (9 AM - 5 PM) and Saturday (9 AM - 1 PM), along with extended drive-thru hours on weekdays (8:30 AM - 6 PM), we ensure that you have plenty of opportunities to visit us.

Credit Options

We understand that life can sometimes throw unexpected expenses your way. That's why we provide personal loans that can help with debt consolidation or cover those surprise costs. Plus, our credit cards come with rewards to ensure that every purchase counts towards something greater.

Get Started Today!

We invite you to explore all the services Trustone Financial has to offer by visiting us online at trustonefinancial.org or give us a call at 800-862-1998. Whether you're ready to open an account or just have questions about our offerings, we're here for you! Join our community today and experience the difference in personalized financial service.

Personal Banking

Our personal banking options start with checking and savings accounts designed to fit your lifestyle. Need easy access to your funds? Our online and mobile banking services allow you to check balances, transfer money, and pay bills right from your phone. With features like e-statements and mobile payments, managing your money has never been more convenient. If you're in the market for a vehicle, we offer auto loans and vehicle financing that make purchasing your dream car simple. With competitive rates and flexible terms, you can drive away knowing you've made a smart financial choice. Additionally, our mortgage loans and refinancing options can help you secure the perfect home or reduce your current mortgage payment.

Digital & Online Banking

Always Accessible

Our commitment to accessibility means you can enjoy 24/7 online banking services whenever it suits you. With features like real-time account management, you'll always be in control of your finances. Whether it's checking your balance before making a purchase or tracking spending habits, everything is just a click away. At Trustone Financial, we prioritize both convenience and security in all our digital banking offerings. We invite you to explore how these tools can make managing your money simpler and more efficient today! For more information, visit us at Trustone Financial.

Key Features for Your Convenience

Our services include E-Statements, which allow you to receive and view your bank statements electronically. This not only helps reduce paper clutter but also provides instant access to your financial information. Plus, with electronic signature authorization, signing documents is quick and hassle-free no need to visit a branch just for a signature. Are you someone who loves using mobile technology? Our mobile application makes it easy to manage your accounts right from your smartphone. You can set up mobile payments for quick transactions or send money directly to friends and family with our person-to-person transfers feature. It's perfect for splitting bills or sending a little extra cash when needed!

Financial Strength

At Trustone Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's world, you need a credit union that you can trust to safeguard your finances. That's why we focus on maintaining strong financial health and transparency. With a net worth of $572,960,534, we maintain robust financial strength, allowing us to offer better rates, lower fees, and enhanced services tailored to our members' needs. Our net worth ratio of 1070 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $1,242,988,175 in share certificates and $1,045,690,516 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $308,015,386, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $343,056,742 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is supported by $23,979 in used auto loans and a total of $3,856,701,831 in loans and leases, helping you achieve your financial goals across various sectors. Our commitment to operational efficiency is reflected in our net income of $44,750,255, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 522 full-time employees and 24 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts: 482,195, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing or planning for the future, Trustone Financial is your trusted partner. Visit us at 3240 W Division St Saint Cloud MN 56301 or call 800-862-1998 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Financing Solutions

For those who might be interested in expanding their business or need additional funds for personal projects, our outstanding commercial loans total $1,275,558,427, providing the capital needed for growth and expansion. At Trustone Financial, we also support refinancing options to help you find a loan that fits your changing needs. Whether it's adjusting payments on your existing loans or seeking better rates on your mortgage or auto loans, our knowledgeable staff can guide you through eligibility options. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our goal is to empower you with the resources necessary to make informed financial decisions. No matter what type of loan you're looking for be it auto financing, mortgages, or credit cards Trustone Financial is committed to offering competitive rates and exceptional service. Visit us today at our branch or explore more online at Trustone Financial.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $375,473,414 in used vehicle loans and $105,083,352 in new vehicle loans already helping members get on the road. We provide flexible terms and straightforward application processes so you can drive away with confidence.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $117,811,477 in loans helping members manage their finances effectively. These cards are perfect for everyday purchases and unexpected expenses alike.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $798,183,166. Whether you're purchasing your first home or looking to refinance an existing mortgage, our team is ready to assist you every step of the way.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With so many options available, it's crucial to have a reliable tool that offers clarity and confidence in your choices. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means the information you see is based on the latest results, ensuring fair and transparent offers. By working only with verified financial institutions, LendMesh promotes an environment where users can make informed decisions without the worry of misleading claims. One key benefit of using LendMesh is its commitment to Verified Data. Loan offers are sourced from legitimate financial institutions, so you can trust that the options presented are genuine. Additionally, LendMesh has a strict policy against Sponsored Listings. Unlike many comparison tools that may prioritize lenders based on paid promotions, LendMesh aims to provide unbiased results for all users. Another significant advantage is the Real-Time Rate Comparisons feature. This allows you to access up-to-date loan rates from multiple institutions at any time, ensuring you have the most current information as you evaluate your options. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how LendMesh can make a substantial difference in finding competitive rates quickly. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*