Credit union · NCUA insured
St. Cloud Financial Credit Union Credit Card Rates
St. Cloud Financial Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How St. Cloud Financial Credit Union’s credit card rates compare
Compared with banks and credit unions near St. Cloud, MN, where St. Cloud Financial Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
St. Cloud Financial Credit Union
9.99%APR
- Up to
- —
Mastercard Platinum
2nd-lowest rate
Notre Dame Federal Credit Union
11.15%APR
- Up to
- 18.00% APR
3rd-lowest rate
TruStone Financial
12.15%APR
- Up to
- 17.15% APR
St. Cloud Financial Credit Union credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where St. Cloud Financial Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Mastercard Diamond Rewards
Must have an active SCFCU Diamond Checking account to qualify for this Rewards Card option.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Must have an active SCFCU Diamond Checking account to qualify for this Rewards Card option. Rate based on creditworthiness. No annual fee. Earn 1 point per dollar spent. |
Sources (4)
- scfcu.org/credit-cards-program-details
- scfcu.org/mastercardpage
- scfcu.org/rates-fees
- scfcu.org/scfcus-credit-card-b…s-for-st-cloud-residents
All captured Oct 7, 2026
Mastercard Platinum
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Rate based on creditworthiness. No annual fee. Ideal for balance consolidation. Excluded from rewards program. |
Sources (4)
- scfcu.org/credit-cards-program-details
- scfcu.org/mastercardpage
- scfcu.org/rates-fees
- scfcu.org/scfcus-credit-card-b…s-for-st-cloud-residents
All captured Oct 7, 2026
Mastercard Rewards
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99% | None | Rate based on creditworthiness. No annual fee. Earn 1 point per dollar spent. |
Sources (4)
- scfcu.org/credit-cards-program-details
- scfcu.org/mastercardpage
- scfcu.org/rates-fees
- scfcu.org/scfcus-credit-card-b…s-for-st-cloud-residents
All captured Oct 7, 2026
Mastercard Secured
Secured with a share account at the Credit Union.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99% | None | Secured with a share account at the Credit Union. No annual fee. Excluded from rewards program. |
Sources (4)
- scfcu.org/credit-cards-program-details
- scfcu.org/mastercardpage
- scfcu.org/rates-fees
- scfcu.org/scfcus-credit-card-b…s-for-st-cloud-residents
All captured Oct 7, 2026
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.