Investment Certificates

With as little as $500, members can invest in a Credit Union Investment Certificate and maximize their earnings. St. Cloud Federal Credit Union's Investment Certificates offer fixed rates and guaranteed yields.

Investment Certificates

• Dividend Figured Daily and Paid Monthly
• $500 Minimum Balance Required
• Several Term Options:
  • 3, 6, 12, 24, 36 & 48 months. Periodic Rate Specials are offered, too.
  • Check our current Certificate Rates.
• Savings Certificates automatically renew on the maturity date, unless you want to change terms or conditions at maturity. Approximately 20 days prior to renewal, you will be sent a maturity advice notice. There is a 10-day grace period after the maturity date, which allows you to withdraw or add funds, or change terms, before the certificate automatically renews.
• Safe investment with a guaranteed rate for a designated term

How to Become a Member and Open Your Investment Certificate.

• Come by a Credit Union office to join, and sign the Signature Card.
• If you are not a current member, make a separate one-time deposit of $25.00 ($15 for New Membership fee; plus, a $10 minimum balance must be maintained at all times in a regular savings account, in order to maintain active membership).