Best Banks & Credit Unions in Saint Cloud, Minnesota

Banks and credit unions serving Saint Cloud, Minnesota. Compare up to 4.00% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Saint Cloud, Minnesota. All rankings inherit from the Minnesota state directory. Every institution listed is licensed to serve Saint Cloud residents and is either headquartered in Minnesota or operates branches in the metro.

Top options in Saint Cloud

• Blaze Credit Union: 4.00% APY. 12 Months Regular Certificate: Regular: $500 minimum opening balance; certificate rates effective 8/3/2026; Premium ($10,000) pays 4.10% and Jumbo ($100,000) 4.30% APY. Read Sep 7, 2026 on blazecu.com.
• Old National Bank (MN): 4.00% APY. 11-Month CD: $500 minimum deposit; no 12-month CD rate is printed, the 11-month offer is the nearest (7- and 17-month CDs are advertised at 4.00% APY too); advertised interest rate 3.93%; rates accurate as of August 28, 2026; open in a branch. Read Sep 7, 2026 on oldnational.com.
• TruStone Financial Credit Union: 4.00% APY. Twin Cities credit union with statewide membership and competitive savings products.
• Think Mutual Bank: 3.80% APY. 12-month 1 Year Fixed-Rate CD: $250 minimum opening deposit; 3.90% APY at $50,000; interest paid quarterly; read on thinkbank.com/certificate-of-deposit-and-ira-rates, rates current as of September 4, 2026. Read Sep 7, 2026 on thinkbank.com. Rates as of 2026-09-01 per the page.
• Affinity Plus Federal Credit Union: 3.80% APY. 12 month Basic Certificate: $500 minimum balance; read on affinityplus.org/rates/personal-certificates, which prints 'Rates effective Sept 1, 2026'; 13-, 18- and 24-month certificates pay 4.000% APY. Read Sep 7, 2026 on affinityplus.org.
• Genisys Credit Union: 3.80% APY. 12-month 1 Year Term Certificate: $500 is the minimum balance required to open account and earn APY; Term Certificates $500 and Above table; 13-month certificate special pays 4.11% APY. Read Sep 7, 2026 on genisyscu.org. Rates as of 2026-09-06 per the page.

Other Minnesota cities

• Banks in Minneapolis
• Banks in Saint Paul
• Banks in Rochester
• Banks in Duluth
• Banks in Bloomington
• Banks in Plymouth
• Banks in Woodbury
• Banks in Maple Grove

See the full Minnesota banks directory for every institution we've verified in the state, plus the underlying methodology.