Credit union · NCUA insured
St. Cloud Financial Credit Union CD Rates
St. Cloud Financial Credit Union’s best CD rate is 2.40% APY on a 4-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How St. Cloud Financial Credit Union’s CD rates compare
Compared with banks and credit unions near St. Cloud, MN, where St. Cloud Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Cloud Financial Credit Union
4.25%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $210
Diamond Certificates
Top rate
Blaze Credit Union
4.60%APY
- Term
- 72 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $3,098
2nd-highest rate
Magnifi Financial
4.50%APY
- Term
- 30 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,163
St. Cloud Financial Credit Union CD score
64
CD score
Higher than 12% of U.S. banks and credit unions
- 9–15 months9–15 mo0.75%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo2.40%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where St. Cloud Financial Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Diamond Certificates
Up to 4.25%APY · 7 terms
Requires Diamond Membership: active Diamond Checking account (requires at least 15 SCFCU debit/credit card transactions per qualification cycle and electronic statements) AND a new or existing loan or SCFCU Credit Card. Minimum deposit $500. Not available for business or commercial members.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRequires Diamond Membership qualifications | 3.90% | $96 |
| 6 monthsRequires Diamond Membership qualifications | 4.25% | $210 |
| 12 monthsRequires Diamond Membership qualifications | 4.20% | $420 |
| 24 monthsRequires Diamond Membership qualifications | 4.05% | $826 |
| 36 monthsRequires Diamond Membership qualifications | 3.95% | $1,232 |
| 48 monthsRequires Diamond Membership qualifications | 3.95% | $1,676 |
| 60 monthsRequires Diamond Membership qualifications | 3.95% | $2,137 |
Sources (1)
- scfcu.org/rates-fees · captured Sep 25, 2026
ZigZag Certificate of Deposit
Up to 2.40%APY · 3 terms
Start with as little as $500. One penalty-free withdrawal per calendar year (must maintain at least $500 balance). One additional deposit of 100% new funds (min $500, max $100,000) allowed per calendar year. One-time step-up option allowed during certificate term to increase rate, available 30 days after opening date. Not available for IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsOne penalty-free withdrawal per year (min $500 balance). One-time step-up option available 30 days after opening | 2.00% | $404 |
| 36 monthsOne penalty-free withdrawal per year (min $500 balance). One-time step-up option available 30 days after opening | 2.25% | $690 |
| 48 monthsOne penalty-free withdrawal per year (min $500 balance). One-time step-up option available 30 days after opening | 2.40% | $995 |
Sprout Certificate of Deposit
0.75%APY · 1 term
Start with as little as $100. Unlimited deposits of $10 or more allowed during the term. Early withdrawal subject to penalty. Not available for IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsUnlimited additional deposits of at least $10 each allowed during term | 0.75% | $75 |
Special-purpose accounts
Investment and IRA Certificates - Fixed Term
Up to 4.10%APY · 9 terms
Minimum deposit for any certificate is $500, unless otherwise noted. Dividends credited and compounded monthly. Fixed rate. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.40% | $84 |
| 6 months | 3.75% | $186 |
| 7 monthsLimited-time Certificate of Deposit (CD) special. Upon maturity, automatically transfers into a 6-month certificate | 4.10% | $237 |
| 12 months | 3.70% | $370 |
| 13 monthsLimited-time Certificate of Deposit (CD) special. Upon maturity, automatically transfers into a 12-month certificate | 4.10% | $445 |
| 24 months | 3.55% | $723 |
| 36 months | 3.45% | $1,071 |
| 48 months | 3.45% | $1,453 |
| 60 months | 3.45% | $1,848 |
Sources (1)
- scfcu.org/rates-fees · captured Sep 25, 2026
Investment and IRA Certificates - Fixed Term (IRA)
Up to 4.10%APY · 9 terms
Minimum deposit for any certificate is $500, unless otherwise noted. Traditional and Roth IRA options available. Dividends credited and compounded monthly. Fixed rate. Substantial penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.40% | $84 |
| 6 months | 3.75% | $186 |
| 7 monthsLimited-time Certificate of Deposit (CD) special. Upon maturity, automatically transfers into a 6-month certificate | 4.10% | $237 |
| 12 months | 3.70% | $370 |
| 13 monthsLimited-time Certificate of Deposit (CD) special. Upon maturity, automatically transfers into a 12-month certificate | 4.10% | $445 |
| 24 months | 3.55% | $723 |
| 36 months | 3.45% | $1,071 |
| 48 months | 3.45% | $1,453 |
| 60 months | 3.45% | $1,848 |
Who can join St. Cloud Financial Credit Union
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.
Membership information collected October 4, 2026.