Based in Minnesota, the St Cloud Federal Credit Union welcomes everyone who lives, works or worships in the counties of Stearns, Benton or Sherburne.

Discover Credit Unions

Founded in 1930 by the postal employees of St Cloud, the credit union’s membership was extended to include all federal employees in 1940.

Traditionally, credit unions have been small, non-profit making financial institutions that have been set up by the members who have something in common whilst benefitting the community as a whole.

Usually, to be a member of a credit union you have to share some form of bond or link with the other members and the community itself. At this credit union, members must either work, live or worship in the designated areas.

Regardless of how many accounts individuals hold, all members of the credit union are ‘owners’ and they profit as a group. There are no ‘shareholders’ in a credit union.

Create a Banking account

It couldn’t be simpler to open an account with St Cloud Federal Credit Union:

Open FCU account

To begin, click on “OPEN A NEW ACCOUNT”

  1. Just access the website
  2. Click on ‘Open New Account’ then complete the required details including social security number.
  3. Alternatively contact the appropriate office. Telephone numbers are listed below or detailed on the website.

Services offered: Bank, Loan and ATM

The St Cloud Federal Credit Union offers a full banking service including checking, savings and investments, loans and mortgages as well as online banking and investment and financial advice and services.

For checking accounts, the Debit Card and ATM Card are combined and may be used at most ATMs nationwide, whilst the Platinum Master Card from ATIRA Credit features a rewards program with points earned on every purchase.

Mastercard Credit Union

Choose “Mastercard” for your card transactions!

Extensive finance facilities are available including a range of mortgages and loans for cars, boats and student loans, plus the introduction of Apps for mobile deposits.

You can also save time thanks to “Direct Deposit”. You just need to have your account and routing number, your employer compliance, and you don’t have to wait at the office!

Find Sartell MN hours here.

Investment and Financial Services at St Cloud Federal Credit Union

If you are interested in investment and financial services, the credit union may be able to assist you in the areas of stocks and bonds, mutual funds, annuities, unit investment trusts, exchange traded funds and US Government bonds.

Advice is also offered in estate planning, disability and long-term care insurance and life insurance, whilst the range of services also includes the important issues of asset allocation, retirement planning and college funding.

FCU: Useful contact phone numbers and addresses

  • Main phone number: (320) 252-2634
  • Toll-free: 1-888-252-2634
  • Sartell office: 1716 Pine Cone Road South, Sartell, MN 56377
  • Main phone number: (320) 252-2634
  • Toll-free: 1-888-252-2634
  • Consumer Loan Department Direct Line: (320) 258-2190
  • Mortgage Loan Department Direct Line: (320) 258-2186
  • Email address:

St Cloud office

3030 1st St S St Cloud,

MN 56301 USA