Wednesday, May 29, 2013

Summer Fun - For Less! {Part 1}

Uh-oh, it’s the 3rd day of Summer break and you've already heard the dreaded words: “I’m bored.” During Summer, it can be easy to slip into lazy habits, and redundant routines.  But don't worry- having fun and doing activities doesn't always have to cost money!  Because of our Financial Fitness goals, we've compiled a list of 10 things you can do this Summer without ruining your budget - below are the first 5...

1. Head to the Beach
There’s nothing like sand, sun, and waves to make for a great summer afternoon!  Find a nearby lake or pond, and go for a dip! Make a day of it and pack a picnic – the sun and water will be a refreshing way to enjoy the summer atmosphere.

2. Wash the Car
Unwind the hose, grab some sponges, and have fun!  Washing the car is another way for kids to cool off on a sunny day and still help out with chores – plus, your car will look great!

3. Check out Neighborhood Parks
The great thing about summer is being able to spend time outside.  You can play, relax, and maybe even get in on some fun events held at parks near you. Check  your local calendar for details!

4. Have a Lemonade Stand
When you come across a good deal on lemonade at the grocery store (or maybe the nearby dollar store), pick some up and make a lemonade stand! A lemonade stand can be a great way for kids to spend the afternoon, and learn about money too!

5. Visit Town Festivals
During the summer months, many small town communities host their own home-town festivals and offer local (and often live) music, food, art, and festivities!  Put on your walking shoes and see what all the excitement is about.

As you can see, having a good time doesn't always mean spending a lot of money!  Having fun and seeing new things can be low-cost, and even free.  Stay tuned for 5 more Summer activities that will keep you Financially Fit in Part 2!

Our mission is to educate, support, and encourage our Members to become Financially Fit.

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Tuesday, May 21, 2013

Credit Reports: Get Yours FOR FREE!

Part of working toward Financial Fitness is keeping your Credit Score on your radar.  When was the last time you've seen your Credit Report? ......Still thinking? Then it’s probably been too long.

The Fair and Accurate Credit Transactions (FACT) Act enables you to obtain a free copy of your Credit Report once a year from each of the three major Credit Bureaus (Equifax, Experian, and TransUnion).  Obtaining this free copy of your Credit Report is easy, and can help you work toward Financial Fitness!

You can access your free Credit Report by logging on to, or by calling (877) 322-8228.  If you’d like assistance looking up your Credit Report, stop in – we’d be happy to help you out.

Remember, there is no single Credit Report.  Each of the three major Credit Bureaus (listed above) operate nationwide and have a report on you.  The information may be slightly different in each report, which is why we advise you to get your report from each Bureau.  Keep in mind, you can get one free copy from each Bureau every year… if you look up one report every four months you'll be able to track your Credit throughout the entire year!

If you ever have any questions or concerns about the items on your Credit Report, please feel free to give our Loan Department a call at 320-258-2190, or stop by! 

Our mission is to educate, support, and encourage our Members to become Financially Fit.

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Friday, May 10, 2013

Fund Your Future!

It’s the time of year we find many High School seniors filled with excitement and enthusiasm (OK, nerves too) as college is on the horizon, closer than ever before.  While many are filled enthusiasm for the ‘next step’ in their life, they may also find they are weighed down with worry of the financial burdens that can come with college.  Have no fear; St. Cloud Federal Credit Union is here!

At SCFCU, we offer a Private Student Loan Program.  Our Student Loan program is affordable, easy to apply for, and has fast approval.  The program has a plethora of benefits, including:
-- Zero Origination Fees for all qualified student borrowers
-- Competitive Interest Rates (and with good grades, you’ll get even lower rates!)
-- 1% Interest Rate Reduction once 10% of the loan principal is repaid during the full repayment period
-- 30-day No-Fee Return Policy – allows you to cancel the loan if you find a better option
-- Cosigner Release available after 24 consecutive on-time principal + interest payments

You can borrow as little as $2,000 or up to the entire cost of attendance per year.  There is a maximum of $120,000 in Undergrad loans and $160,000 in graduate loans.  You can use your Student Loan for a variety of payments including tuition, cost of room and board, books or computer expenses, and even past due tuition bills!

You do not have to be a current Member of our Credit Union to apply, although to receive the loan you must become a Member for final loan approval.  The good news is, anyone who lives, works, or worships in the Tri-County (Stearns, Benton, or Sherburne) county area, or has an immediate family member that does can be a Member of St. Cloud Federal Credit Union!  For more information about our Student Loan program and it's requirements, visit  Or, CLICK HERE to apply now!

Congrats to all graduates, we’re proud of you and excited for what your future has to offer! 

 We are People Helping People.

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Friday, May 3, 2013

Meet Karen!

Have you ever been chased around by a wild donkey in the middle of South Dakota? We didn't think so.  However, one of our very own employees has!

Karen O'Hara has been with us as St. Cloud Federal Credit Union for over 7 years and is one of our prized Member Service Representatives.  Karen’s smiling face is recognizable by many of our Members when they visit us at the Credit Union.  Karen says her favorite part about being an SCFCU employee is ‘all the fun people’ she gets to work alongside; we couldn't be happier to have her.

When Karen isn't assisting our Members, you can often find her diving into a romance novel, watching a new movie, or surfing all that Pinterest has to offer.  If Karen flips on the TV, it’s usually to watch Smash, Vampire Diaries, and How I Met Your Mother.  Karen’s favorite subject in school was English and her favorite color is pink.  If she could travel anywhere in the world, Karen would choose to go to Ireland; her last name would be recognizable there, no doubt!

With her contagious laugh and positive attitude, Karen brightens everyone’s day.  She is always willing to help with projects and we know we’re very lucky to call her one of our own.  Thank you for all you do, Karen – we’re so happy you’re part of our SCFCU Family!

 We are People Helping People.

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