St. Cloud Financial Credit Union
Verified rate book
Current St. Cloud Financial Credit Union rates
15 published offers verified as of August 3, 2026.
Mortgage rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Loanother | 6.242% APR | 6.242% | — | Standard |
Auto & vehicle rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loanauto | 4.556% APR | 4.556% | — | Standard |
| New and Used Cars & Trucks (2024 & Newer)auto_any | 4.556% APR | 3.990% | any | Standard |
| Used Cars & Trucks (2018-2023)auto_used | 5.057% APR | 4.490% | used | Standard |
| Recreational Vehicles - Titled Usedrv_used | 5.827% APR | 5.740% | used | Standard |
| Recreational Loanpowersports | 5.827% APR | 5.827% | — | Standard |
| Recreational Vehicles - Titled Newrv_new | 5.827% APR | 5.240% | new | Standard |
| Used Cars & Trucks (2017 & Older)auto_used | 7.064% APR | 6.490% | used | Standard |
| Recreational Vehicles New & Used - Non Titledrv_any | 7.332% APR | 6.740% | any | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Deposit Securedpersonal_secured | 5.660% APR | 3.750% | — | Standard |
| Personal Home Improvement Loanpersonal | 9.940% APR | 7.240% | — | Standard |
| Signature Loanpersonal_unsecured | 11.423% APR | 10.240% | — | Standard |
Savings & CD rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Sprout Certificate of Depositcd_12mo | 0.75% APY | 0.75% | 12 mo | Standard |
| 7-Month Certificate of Depositcd_7mo | 4.10% APY | 4.10% | 7 mo | Standard |
| 13-Month Certificate of Depositcd_13mo | 4.10% APY | 4.10% | 13 mo | Standard |
As of August 3, 2026, St. Cloud Financial Credit Union offers mortgage rates from 6.242% APR. Vehicle loans available from 4.556% APR. Personal loan rates from 5.66% APR. Savings and certificate yields up to 4.10% APY.
Source: RateAPI.dev, verified from St. Cloud Financial Credit Union's official website
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About St. Cloud Financial Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 28.2K
- Assets
- $439.7M
- Founded
- 1934
- Locations reported
- 5
- NCUA charter
- 68697
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join St. Cloud Financial Credit Union
Membership eligibility from St. Cloud Financial Credit Union's own published criteria. How we verify this.
Membership criteria are published on St. Cloud Financial Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from St. Cloud Financial Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does St. Cloud Financial Credit Union offer?
St. Cloud Financial Credit Union currently offers mortgage, vehicle loan, and personal loan rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.
How often are St. Cloud Financial Credit Union rates updated?
RateAPI verifies St. Cloud Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.
Where does RateAPI get St. Cloud Financial Credit Union's rate data?
Rate data is collected directly from St. Cloud Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is St. Cloud Financial Credit Union's mortgage rate?
As of August 3, 2026, St. Cloud Financial Credit Union offers mortgage rates from 6.242% APR.
What are St. Cloud Financial Credit Union's auto, rv & powersports loan rates?
As of August 3, 2026, St. Cloud Financial Credit Union offers vehicle loans from 4.556% APR.
What is St. Cloud Financial Credit Union's personal loan rate?
As of August 3, 2026, St. Cloud Financial Credit Union offers personal loans from 5.66% APR.
What is St. Cloud Financial Credit Union's best CD rate?
As of August 3, 2026, St. Cloud Financial Credit Union offers savings and certificate (CD) yields up to 4.10% APY.
Related Rate Data
Compare St. Cloud Financial Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for St. Cloud Financial Credit Union
curl "https://api.rateapi.dev/credit-unions/minnesota/st-cloud-financial" \
-H "Authorization: Bearer YOUR_API_KEY"