Credit union · NCUA insured
St. Cloud Financial Credit Union Savings Rates
St. Cloud Financial Credit Union’s best savings rate is 1.15% APY on $10,000, with its Money Market Insured Investment Account. Rates checked October 16, 2026.
How St. Cloud Financial Credit Union’s savings 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
2.15%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $215
Diamond Money Market
Top rate
BankVista
3.51%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $351
2nd-highest rate
Affinity Plus
3.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $350
St. Cloud Financial Credit Union savings score
87
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.15%
- $100,000 balance$100,0001.60%
- QualifiedQualified2.15%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Diamond Money Market
2.15%APY
Requires Diamond Membership: must have an active Diamond Checking account AND a new or existing loan or SCFCU Credit Card. To maintain Diamond Checking, must have at least 15 SCFCU debit card transactions, or 15 SCFCU credit card transactions, or a combination of 15 transactions per qualification period, and elect electronic statements. Qualifications must be met monthly. Dividends credited and compounded monthly. All savings rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $9,999 | 2.15% | — |
| $10,000 – $24,999 | 2.15% | $215 |
| $25,000 – $49,999 | 2.30% | — |
| $50,000 – $99,999 | 2.50% | — |
| $100,000 – $249,999 | 2.60% | — |
| $250,000 and up | 3.00% | — |
Sources (1)
- scfcu.org/rates-fees · captured Sep 25, 2026
Money Market Insured Investment Account
1.15%APY
$2,000 minimum balance required. Dividends are credited and compounded monthly. All savings rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $9,999 | 1.15% | — |
| $10,000 – $24,999 | 1.15% | $115 |
| $25,000 – $49,999 | 1.30% | — |
| $50,000 – $99,999 | 1.50% | — |
| $100,000 – $249,999 | 1.60% | — |
| $250,000 and up | 2.00% | — |
Primary Savings
0.15%APY
Primary Savings (S1) requires a $5 minimum balance to open an account, and $100 minimum balance to earn a dividend (p78 states minimum $10 balance required). Credit union membership qualification required. Dividends are credited and compounded monthly. Rate is variable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5 minimum balance to open an account ($10 balance stated on p78), $100 minimum balance to earn a dividend. Rate is variable.Any balance | 0.15% | $15 | $5 minimum balance to open an account ($10 balance stated on p78), $100 minimum balance to earn a dividend. Rate is variable. |
Sources (3)
All captured Sep 25, 2026
Special-purpose accounts
Diamond IRA Money Market
2.15%APY
Requires Diamond Membership: must have an active Diamond Checking account AND a new or existing loan or SCFCU Credit Card. To maintain Diamond Checking, must have at least 15 SCFCU debit card transactions, or 15 SCFCU credit card transactions, or a combination of 15 transactions per qualification period, and elect electronic statements. Qualifications must be met to earn premium dividends. Dividends credited and compounded monthly. All savings rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 2.15% | — |
| $10,000 – $24,999 | 2.15% | $215 |
| $25,000 – $49,999 | 2.30% | — |
| $50,000 – $99,999 | 2.50% | — |
| $100,000 – $249,999 | 2.60% | — |
| $250,000 and up | 3.00% | — |
Sources (1)
- scfcu.org/rates-fees · captured Sep 25, 2026
IRA Insured Money Market Investment Account
1.15%APY
Available for Traditional, Roth, and Coverdell IRAs. Daily deposits; no opening fee, no minimum balance, no transaction fees. Dividends credited and compounded monthly. All savings rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 1.15% | — |
| $10,000 – $24,999 | 1.15% | $115 |
| $25,000 – $49,999 | 1.30% | — |
| $50,000 – $99,999 | 1.50% | — |
| $100,000 – $249,999 | 1.60% | — |
| $250,000 and up | 2.00% | — |
Sources (1)
- scfcu.org/rates-fees · captured Sep 25, 2026
Health Savings Account
0.50%APY
No opening fee, no minimum balance, no transaction fees. Earn dividends on entire balance. Dividends credited and compounded monthly. Variable rate. $25 fee for early closure within first year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance, earn dividends on entire balance. Variable rate.Any balance | 0.50% | $50 | No minimum balance, earn dividends on entire balance. Variable rate. |
Sources (3)
All captured Sep 25, 2026
Club Savings
0.15%APY
No minimum balance to open account; Credit Union membership must previously have been established by opening a Primary Savings account; $100 minimum balance to earn a dividend. Dividends credited and compounded monthly. Variable rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance to earn a dividend. Membership must previously be established. Variable rate.$100 and up | 0.15% | $15 | $100 minimum balance to earn a dividend. Membership must previously be established. Variable rate. |
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.