St. Cloud Federal Credit Union: Banking on a Meaningful Difference

Core values and mission statements are often well meaning, but sometimes get left behind as a company gets on with its business. Not at St. Cloud Federal Credit Union. We put great emphasis on living our core values and making them evident in our interactions with our members. (We even had a lovely plaque framed to remind us!)

Our motto is Banking on a meaningful difference. Our banking services are top notch, but what sets us apart is that meaningful difference, both in the lives of our employees and our members. It may seem a lofty goal but we are committed to this every day, and we’ll show you how.

It comes down to fulfilling our motto with purpose.

To us, PURPOSE stands for:

P - Passion Matters. We enjoy what we do, and we enjoy making a difference in the lives we touch.
U - United We Make a Difference. St. Cloud Federal Credit Union is a team, and our community is a team, and together we can do great things.
R- Reach for More Every Day. Inspiring our employees shows that we believe in all we can accomplish, which gets passed along to our members.
P - People are Trustworthy and Unique. Our culture is alive and dynamic thanks to the people and the energy within it.
O - Operational Excellence. Quality services and advice, authentic relationships, and genuine trust make our goals possible.
S - Service Above Self with Balance. Striving for improvement and excellence often means putting others first.
E - Embrace Change and Creativity. And wonderful things can happen!

Want to see our motto in action?

We couldn’t be more proud to be a part of the St. Cloud community, and here are some of the ways we’ve found to make a meaningful difference.

St. Cloud Federal Credit Union Annual Community Day

In October, we close our branches for one day in order to go out into the community to volunteer together at several local organizations. Our members got involved too, by suggesting the places where we could make an impact with our work, and it remains one of our favorite initiatives.

ChangeMakers Community Recognition Program

Part of making a meaningful difference is highlighting and thanking those in our community who are giving of their time and their hearts to make other people’s lives better. Read more about the 2016 winner, Fawn Wright of Project Linus, and you’ll be as inspired as we were!

Sartell High School Grant for Financial Education

We recently matched a financial grant awarded to Sartell High School to help fund Financial Education and a Micro-Financing Initiative for its students. A win-win-win, this program educates students about global poverty and human geography, while spurring small loans to those in developing countries and giving us a perfect opportunity to make a difference.

At St. Cloud Federal Credit Union, we will continue bringing these core values into our work and into our relationships with our members in everything we do.

Service Upgrade: New & Improved Bill Payer

As a Member of St. Cloud Federal Credit Union, you have the opportunity to use our Bill Payer service, free of charge.  For those of you who don’t know, Bill Payer is a safe and secure way to pay your bills online through your checking account at SCFCU.  It’s a convenient alternative to writing out checks each month, or logging onto individual business websites.  An exciting upgrade is coming soon for Bill Payer service.

Effective August 14^th, we are converting to a new Bill Payer provider.  No worries, current users -  all of your Payees, Payment History, and Scheduled Payments will automatically convert to the new provider.  However, there are a few things we’d like to make you aware of.

• Payments that you set up prior to the upgrade, that had a process date after August 13^th, will now have a different ‘Send Date’.  The term ‘Process Date’ will now be used within Bill Payer instead of ‘Send Date’.  It is extremely important that you log in to your Bill Payer account after August 14^th and review your ‘Process Dates’ (The ‘Process Date’ is the date the funds are deducted from your checking account.) to assure things transferred over.
  
  

• All of your Payees will default to ‘Check Payment’ status at the time of the upgrade.  However, those Payees may convert to ‘Electronic Payment’ status when the first payment is processed with our new provider.
  
  

• The most exciting change is that Bill Payer will be available for your mobile device by the end of the first quarter in 2014.

If you have any questions or concerns about our Bill Payer upgrade, please feel free to contact Barb at (320)258-2150, or Karen at (320)258-2169.

To learn more about accessing Bill Payer, click here.  If you’d like help walking through setting up Bill Payer, check out this video.  Happy Bill Paying!

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

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We're in Your Corner!

Have you ever lost your checkbook, debit or credit card, or your purse or wallet? Has anyone ever charged something in your name?  We sure hope not!  We work hard to protect our Member’s identity and assets, which is why we offer Fraud and I.D. Theft Recovery as a benefit to our Reward Checking accounts.

St. Cloud Federal Credit Union has partnered with an experienced and trusted company – Merchants Information Solutions to offer this protective service.  With this  benefit, you have a professional Identity Theft Recovery Advocate who is assigned to you, and will work on your behalf to take all the necessary steps to recover your good name – no matter how long it takes.  

You can use this service for any situation where you think your personal information may be at risk or has been compromised – even if something happens to an account you have at another financial institution. 

While some companies offer a service (that you can purchase) which provides you with a packet of forms and phone assistance, you still do all the work.  There is no necessary registration for our Fraud and ID Theft Recovery service – it is automatically in place with your checking account at SCFCU.

To learn more about how to protect your identity, click here!  We’re in your corner and truly care about your well-being.  If you have any questions or concerns, please don’t hesitate to contact us, we’re here for you!

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


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Deter, Detect, Defend: Enroll in Free Credit Monitoring!

There is no absolute 100% guaranteed way to prevent fraud, but we believe the best way to protect yourself and your assets is to monitor your credit activity.  We offer Credit Monitoring as a benefit with all personal checking accounts at St. Cloud Federal Credit Union.

While this service is automatically included with all our personal checking accounts, you must enroll to activate your Credit Monitoring. 

 

Once enrolled, you will automatically receive alerts by email (or text if you choose) when changes are made to your credit. Our daily monitoring service will notify Members of any new inquires, certain derogatory information, accounts, public records, or change of address that have been added to their credit reports by any of the three major credit reporting agencies. 

Credit Monitoring is a service provided in the form of 3-Bureau Credit Alerts from Merchants Information Solutions.  Through this service, your credit history at all three credit reporting agencies (Equifax, TransUnion, and Experian) is monitored 24/7 for any changes made to your personal records.

Monitoring your Credit is a great step toward becoming more Financially Fit, and we’re here to help in any way we can.  To learn more about our Credit Monitoring services or enroll, stop by or contact us as 320-252-2634.

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


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