St. Cloud Federal Credit Union

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A short history of St. Cloud FCU

Since its inception in 1934 the St. Cloud Federal Credit Union has been serving its members in the Saint Cloud, Minnesota area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Jed Meyer, the St. Cloud FCU has grown its membership to over 19,354 with assets of more than $161,895,080. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (320) 252-2634 or email them at info@stcloudfcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Saint Cloud, MN.

General Information For St. Cloud FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 24584
Address 3030 1st St S 
City Saint Cloud 
State Minnesota 
Zip-Code 56301
Phone Number (320) 252-2634
Fax Number (320) 252-9036
Email Address: info@stcloudfcu.org
CEO/President Jed Meyer
Members 19,354 
Full-Time Employees 52 
Part-Time Employees 10 
Number of Branch Offices 3 
Total Assets 161,895,080 
Website https://www.stcloudfcu.coop 

Compare St. Cloud Federal Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Energy Services CU ESFCU- St Cloud 600 25th Ave S 56301 (320) 255-8687 No 4.90
Great River CU Sartell 1725 Pine Cone RD S 56377 (320) 258-3626 No 5.55
Starcor CU Becker 14267 Bank St 55308 (763) 262-9888 No 19.83

St. Cloud Federal Credit Union Financial Performance Charts


Performance Charts

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Financial Data


St. Cloud Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 2.99 3.24 3.99 4.99
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 145 119 137 228
Rank Among All Minnesota Credit Unions N/A 27 19 19 27

St. Cloud Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.50 0.10 0.30 0.60 0.35
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 69 129 97 240 250
Rank Among All Minnesota Credit Unions 3 17 14 27 29
St. Cloud Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 9.0003,8985,496,310
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 6.6601,2102,211,526
New Vehicle Loans 2.9903567,853,005
Used Vehicle Loans 3.2404,77839,567,952
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.99042335,555,422
Total Other Real Estate Loans/Lines of Credit 4.99055311,793,973
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 6.0001,09313,543,210
TOTAL LOANS & LEASES 12,311116,021,398

St. Cloud Federal Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 31,030,20500
    b. 15 Years or less 25715,622,634564,623,765
Balloon/Hybrid
    a. > 15 years 14516,955,360188,000
    b. 15 Years or less 131,724,40400
Other Fixed Rate 4221,66611670,569
Adjustable Rate 1 yr or less 11,15300
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 1774,403,50518573,155
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 3767,390,4684001,799,672
Open-End Fixed Rate 0000
TOTALS 97647,349,3954867,755,161

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 321,301,5630
Interest Only & Payment Option Other RE/LOC Loans 611,756,2620
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

St. Cloud Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing No
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes