Farmers & Merchants State Bank, 1301 2nd St N, Sauk Rapids, MN 56379, US

Maybe you are used to banking that is pretty typical. A part of your life that you have to do but would rather not. A nagging errand or worse yet, a major issue with life events. You may even be on your toes, unable to trust how your money is being handled.At St. Cloud Federal Credit Union, you can let your guard down and even learn to enjoy banking. As a not-for-profit cooperative it is natural for us to focus on our members' needs. Profits we earn are invested back into our membership and our communities. That is a huge difference between us and the banks; we have a volunteer Board of Directors who are committed to our membership, while banks are committed to shareholder profit. We have proudly served our community for over 80 years and have created a banking experience that feels more like a family than it does a business.St. Cloud Federal Credit Union is the best choice for local banking. Whether you have a few dollars or a few hundred thousand, we can help you pursue the options that are right for you. We care and will only work with you on helping you be successful, it is our commitment and our passion.Choose the services that you need most, including:Personal and business checking accountsSavings accountsInvestment accountsPersonal loansAuto loansMortgages Debit cardsCredit cardsHSAsInsuranceNo matter what products and services you choose, you can always count on additional benefits, like dividends that accrue daily, online and mobile banking services, extended warranties, and fraud protection. Catering only to the local community, St. Cloud Federal Credit Union is like one of your neighbors, and neighbors take care of one another. Why turn to a bank with a headquarters in a different part of the country when you can count on professionals who will always know your name? When you're ready to try a new way of banking, we're here to work to meet your needs. Make the switch to St. Cloud Federal Credit Union to see how simple and enjoyable banking can really be!