Credit union · NCUA insured
St. Cloud Financial Credit Union
A $439.7M credit union headquartered in Sartell, MN, with 28,213 members and 5 branches in Minnesota. Best rates: CDs 2.40% and savings 1.15% APY.
St. Cloud Financial Credit Union Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#6 of 23 in St. Cloud, MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About St. Cloud Financial Credit Union
Founded in 1930 to serve postal employees, St. Cloud Financial Credit Union is a member-owned financial cooperative.
Serving Central Minnesota for more than 96 years, the credit union operates five branches across St. Cloud, Sartell, Sauk Rapids, Becker, and Albertville.
- Headquarters
- 1716 Pine Cone Rd S, Sartell, MN 56377
- NCUA charter
- 68697
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Stearns, Benton, Sherburne, Wright, Meeker, Kandiyohi, and Morrison counties.
Other ways
- Membership is open to individuals regardless of location who donate to the TriUnity Foundation.
Branches
5 branches in Minnesota
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Minnesota
5 branches
St. Cloud area · 3
- St Cloud Financial Credit Union - SartellMain office1716 Pine Cone Rd S, Sartell, MN 56377Directions
- St Cloud Financial Credit Union-Sauk Rapids205 2nd Ave N, Sauk Rapids, MN 56379Directions
- St Cloud Financial Credit Union3030 1st St S, St. Cloud, MN 56301Directions
Minneapolis area · 2
- St Cloud Financial Credit Union - Albertville5600 La Centre Ave Ste 100, Albertville, MN 55301Directions
- St Cloud Financial Credit Union - Becker14267 Bank St, Becker, MN 55308Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.22% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.31% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.57% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $95 | $76 | — |
- CapitalNet worth ratio7.22%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.31%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.57%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$95Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of St. Cloud Financial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.