St. Cloud Financial Credit Union is a local not-for-profit. That means it is natural for us to focus on our members' needs, not our bottom line. We care, we partner with our members on their banking needs, and we build genuine relationships. We are committed to creating a meaningful difference for our members and our community. In a credit union, there is no private ownership. Our members are the owners, and all profits stay in the credit union, locally, to be used to benefit all the members. Every member of St Cloud Federal Credit Union is an owner, with an equal voice, through their vote, in the credit union's future, regardless of how much he or she has on deposit.