Bachelor of Science in Finance Online

Become fiscally savvy and gain insight into the inner workings of financial markets and institutions.

Apply by: 8/18/25 Request Info
Start class: 8/31/25 Apply Now

Program Overview

Focus on your future with our B.S. in Finance online

Cost per Credit Hour $350*
Transfer Credits 90**
Credit Hours 120

Make a worthwhile investment in your financial career with an online Bachelor of Science in Finance from St. Cloud State University. Explore how financial systems, investments, banking and monetary policy operate.

Acquire financial skills in areas such as investments, risk management, corporate finance, banking, insurance and real estate. With this 100% online program, you can prepare for career paths across all areas of the financial services industry.


Transfer up to 90 credit hours and you could be closer to graduating than you realize. Highly qualified faculty will provide individualized support and guidance. Multiple start dates and 24/7 accessibility will help you find a work-life balance with your studies.

In this online B.S. Finance program, you will learn to:

  • Communicate and collaborate effectively
  • Solve problems competently
  • Skillfully apply business core knowledge
  • Recognize ethical problems and present defensible ethical solutions
  • Apply global perspectives to business situations
  • Describe different types of investment instruments and understand financial markets including, but not limited to, trading procedures and strategies
  • Understand basic financial ratios and statements and apply valuation techniques to value financial and real assets
  • Estimate cost of capital and evaluate projects using capital budgeting decision tools and various financing strategies
  • Describe risk-management techniques
In this online B.S. Finance program, you will learn to:+
  • Communicate and collaborate effectively
  • Solve problems competently
  • Skillfully apply business core knowledge
  • Recognize ethical problems and present defensible ethical solutions
  • Apply global perspectives to business situations
  • Describe different types of investment instruments and understand financial markets including, but not limited to, trading procedures and strategies
  • Understand basic financial ratios and statements and apply valuation techniques to value financial and real assets
  • Estimate cost of capital and evaluate projects using capital budgeting decision tools and various financing strategies
  • Describe risk-management techniques

This degree equips you to explore a variety of careers, including:

  • Financial Planner/Broker
  • Corporate Financial Manager
  • Investment Banker
  • Consumer/Mortgage Banker
  • Securities Analyst
  • Stockbroker
  • Credit Analyst
This degree equips you to explore a variety of careers, including:+
  • Financial Planner/Broker
  • Corporate Financial Manager
  • Investment Banker
  • Consumer/Mortgage Banker
  • Securities Analyst
  • Stockbroker
  • Credit Analyst

Also available:

St. Cloud State offers several online undergraduate programs. Check out all our online undergraduate programs.

Cost per Credit Hour $350*
Transfer Credits Up to 90**
Credit Hours 120

Accreditation

AACSB accredited logo

The Herberger Business School at St. Cloud State University is accredited by AACSB International (AACSB). Less than 6% of the world’s schools offering business degree programs hold AACSB business accreditation. We are one of two business schools in Minnesota to hold AACSB accreditation for 45+ years, showing a long-standing record of excellence.

Request Info Apply Now
Need More Information?

Call 888-439-0687

Call 888-439-0687

Tuition

Plan ahead with pay-as-you-go tuition

Affordable tuition helps pave the way to meeting your goals. Our pay-by-the-course tuition is an excellent way to manage your budget.

View additional tuition information +

Program Per Credit Hour* Per Course
B.S. Finance $350 $1,050

*Per Course rate is based on 3 credit hours. Tuition includes all standard fees and is subject to change without notice. The University reserves the right to increase tuition and fees at any time. Local students may opt-in to additional fees giving them access to several on-campus resources.


Tuition breakdown:

Per Credit Hour $350

Calendar

Check your program’s timeline here

Our online B.S. Finance offers 7-week courses and multiple start dates. Start when you’re ready!

View full calendar +

TermStart DateApp DeadlineDocument DeadlineRegistration DeadlineTuition Deadline
Fall A8/31/258/18/258/25/258/27/259/9/25
Fall B10/26/2510/13/2510/13/2510/22/2511/4/25
Spring A1/11/261/5/261/5/261/7/261/20/26
Spring B3/8/263/2/263/2/263/4/263/17/26
Summer A5/10/264/27/265/4/265/6/265/19/26
Summer B7/5/266/18/266/24/266/26/267/14/26

Now enrolling:

Apply Date 8/18/25
Class Starts 8/31/25

Have questions or need more information about our online programs?

Request Info

Ready to take the rewarding path toward earning your degree online from St. Cloud State?

Apply Now

Admissions

Follow these easy St. Cloud State online applications steps

We offer a streamlined admission process to make it easier for you. Review the admission requirements below.

  • No SAT or ACT Required
  • 2.0 GPA in prior college coursework
  • Transfer up to 90 credit hours**
View all admission requirements +

University Admission Requirements

There are several paths to admittance at St. Cloud State University:

Transfer Students (out of high school and who have attempted any college-level credit)

  • Students who have completed 12 credit hours or more are accepted with a cumulative college GPA of 2.0 or higher (on a 4.0 scale)
  • Students with less than 12 credit hours are reviewed using SCSU’s freshman requirements

Freshman Students (out of high school and who have not completed any college-level credit)

  • Students are guaranteed admission with a high school GPA of 2.25 or higher (on a 4.0 scale)

Admission to Herberger School of Business Upper Division Status

Only business majors with HBS Upper Division Status or admitted business minors may enroll in 300- and 400-level Business School courses. 

Prior to registering in 300- and 400-level major courses, all business majors must speak with their advisor to confirm that they have completed or attained the following:

  • Cumulative overall GPA of 2.5
  • 40 earned credits from courses numbered 100 or higher
  • Completed all Lower Division Business Core – Group 1 courses
  • Completed or enrolled in all Lower Division Business Core – Group 2 courses
  • Grade of C- or better in MATH112

Submitting Documents

  • Students who have earned less than 15 college-level credits must submit official high school transcripts or GED. Put in a request with your high school counseling office to send an official transcript directly to SCSU.
  • There are two ways to send transcripts to SCSU from non-Minnesota State institutions (SCSU will download official transcripts for coursework completed at a Minnesota State College or Universities):
    • Via an electronic service such as Parchment or Clearinghouse, sent to [email protected]
    • Via mail to:
      Office of Records and Registration
      St. Cloud State University
      720 4th Avenue South
      St. Cloud, MN 56301-4498

If you have any questions along the way, call us at 888-439-0687—we’re happy to help answer questions.

Courses

Look over the degree plan for our online B.S. Finance

To earn your Bachelor of Science in Finance online, you will need to complete 120 total credit hours of coursework. These hours will include general education courses as well as courses specific to the major program and electives. Finish faster by transferring previously earned credits, which may count toward the 120. Potential transfer credits will be evaluated during the admissions process.

Expand All
Duration: 7 Weeks weeks
Credit Hours: 3
Functions and graphs; polynomial, radical, rational, exponential, logarithmic functions; equations, inequalities, systems of equations; applications. No more than 6 credits from MATH 112, 113, and 115 may be counted toward graduation.
Duration: 7 Weeks weeks
Credit Hours: 4
Analytical reading, writing, and critical reasoning in various rhetorical situations. Argumentative research project comprising analysis and interpretation of information, texts, and perspectives.
Duration: 7 Weeks weeks
Credit Hours: 3
Interpersonal communication, small group communication and public speaking. Theory and experience to relate meaningfully, think critically, organize clearly, and speak and listen effectively.
Duration: 7 Weeks weeks
Credit Hours: 3
Accounting as a process of providing useful financial information to investors, creditors, management, and other users. The accounting process, financial statements, and the uses and limitations of accounting information.
Duration: 7 Weeks weeks
Credit Hours: 3
Business analytics, business strategy, enterprise systems, IT security and privacy, and artificial intelligence and their impact on businesses and organizations.
Duration: 7 Weeks weeks
Credit Hours: 3
Economic decision-making, market processes, measurement and determination of aggregate prices and employment, money and banking process, fiscal policy, and monetary policy. May be taken before or after 206.
Duration: 7 Weeks weeks
Credit Hours: 3
Economic decision-making, marginal analysis, consumer and producer behavior in markets, price and output under different market structures, input markets, and policy analysis. May be taken before or after 205.
Duration: 7 Weeks weeks
Credit Hours: 3
Legal, ethical, environmental, political, and global issues affecting business. Governmental regulations, employment relationships, contracts, product liability, consumer protection, and business forms.
Duration: 7 Weeks weeks
Credit Hours: 4
Interpretation and communication of data, measures, and analysis for gaining competitive advantage in business. Evaluating data and recommendations for optimal business performance.
Duration: 7 Weeks weeks
Credit Hours: 3
The statement of cash flows and financial statement analysis. Accounting information as a planning, analysis, and control tool facilitating decision-making.
Duration: 7 Weeks weeks
Credit Hours: 1
Business career paths, job application materials (print and web), interview strategies, opportunities in study abroad, internships, leadership, and community engagement.
Duration: 7 Weeks weeks
Credit Hours: 3
Survey of fundamentals of contemporary management from the perspective of the manager, the organization, its environment and their interactions.
Duration: 7 Weeks weeks
Credit Hours: 3
Analysis, planning, and control of marketing functions with reference to ethical, social, political, economic, technological, and global forces.
Please note all 300 and 400 level courses require upper division status.
Duration: 7 Weeks weeks
Credit Hours: 4
Rhetorical situations, purposes, audience and ethical issues in workplace writing genres. Collaboration processes, layout/format conventions, clarity and correctness. May include oral presentations, usability testing, portfolios.
Duration: 7 Weeks weeks
Credit Hours: 3
Conceptual foundations of MIS, roles of computer-based information systems in organizations, global and ethical issues in MIS, and business application software. Computer Competency.
Duration: 7 Weeks weeks
Credit Hours: 3
Basic concepts in finance: Time value of money, financial ratio analysis, and security valuation. Corporate financial decisions: capital budgeting, choice of capital structure, and working capital management.
Duration: 7 Weeks weeks
Credit Hours: 3
How the operations function manages people, information, technology, materials, and facilities to produce goods and services. Requires prior completion of IS242. IS242 cannot be taken at the same time as MGMT 383.
Duration: 7 Weeks weeks
Credit Hours: 3
Capstone course that critically assesses global, domestic, and industry trends, organizational competency, values, and culture. Examination of stakeholders and corporate responsibility in developing strategic direction and plans of action (Open only to graduating business seniors). (Students must apply to take this course from the Management and Entrepreneurship Department and be granted permission to take it before registering)
Please note all 300 and 400 level courses require upper division status.
Duration: 7 Weeks weeks
Credit Hours: 3
Financial statement measurement and derivation. Develop an in-depth understanding of financial statement concepts such as revenue recognition, cash flows, assets, liabilities, shareholders' equity, revenue, and expenses. Prerequisites: ACCT 292
Duration: 7 Weeks weeks
Credit Hours: 3
Types of investment securities; security market operations; investment policies; security analysis and valuation principles: risk, return, and portfolio analysis; personal investment principles. Prerequisites: FIRE 371
Duration: 7 Weeks weeks
Credit Hours: 3
Management of risk in a business setting; control of property, liability, and personnel risks; risk financing including self insurance, group retention and insurance, decision-making: introduction to the insurance industry.
Duration: 7 Weeks weeks
Credit Hours: 3
Introductory real estate: contracts, finance, investment, appraisal, owning vs. renting, taxation and closings. Approved for pre-license education under Ch. 82, MN Real Estate License Law.
Duration: 7 Weeks weeks
Credit Hours: 3
Corporate financial decision making; adjustments to changing conditions; market structure and corporate capital instruments; capital market movements and financial decisions. Prerequisites: FIRE 371
Duration: 7 Weeks weeks
Credit Hours: 3
Role in the economy; current issues/controversies in banking and intermediation; international aspects of financial intermediation. Prerequisites: FIRE 371
Duration: 7 Weeks weeks
Credit Hours: 3
Monetary economics, structure and functioning of commercial banks and other financial intermediaries. The Federal Reserve System and its monetary policy tools, goals, and targets. Prerequisites: HBS Upper Division Status; ECON 205; ECON 206
Please note all 300 and 400 level courses require upper division status.
Duration: 7 Weeks weeks
Credit Hours: 3
Equity valuation application, process, and analysis, discount rate estimate, capital asset pricing model, multifactor models. Introduction of valuation models such as discounted dividend valuation model, free cash flow valuation model, and relative valuation technique. Prerequisites: FIRE 371
Duration: 7 Weeks weeks
Credit Hours: 3
Characteristics and functions of financial derivatives. Corporate risk management applications of financial derivatives. Pricing models of derivatives and trading strategies using derivatives to hedge financial risks. Prerequisites: FIRE 371
Duration: 7 Weeks weeks
Credit Hours: 3
Decision making in commercial banks and other depository institutions. Asset, liability, and capital management issues. Lending, depository and trust functions. Prerequisites: FIRE 371
Duration: 7 Weeks weeks
Credit Hours: 3
Foreign exchange, currency and derivative markets, currency risk management, international investment and financing decisions, multinational corporate financial decisions. Prerequisites: FIRE 371

MISSION:  The Liberal Education Program (LEP) at St. Cloud State University is committed to the ideal of liberal education that provides knowledge, skills, and experiences and promotes critical thinking and ethical values for a lifetime of integrative learning in a diverse and changing society.

The Liberal Education Curriculum is organized into ten goals. To complete the curriculum, students must achieve the ten goals through courses or experiences and earn at least 40 credits in liberal education courses.  Some goals may be satisfied by experiences other than courses (e.g., approved internship, study abroad, completion of major, or sequence of courses).   Some courses may achieve two goals, and experiences may not be credit bearing, so students may complete the goals with fewer than 40 credits.  Those students must complete additional liberal education courses to earn the required 40 credits.  Liberal Education courses may be double counted as courses required for a major or minor. Courses used in the major may be designated as Liberal Education.

Each student must complete three courses designated as Diversity courses. Students may take no more than one course from any one department. One of the Diversity courses must be an approved Racial Issues Graduation Requirement course (RIGR).

Some additional courses may be required for your major. For more information, please speak with your advisor. 

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Honoring our veterans with support and resources

St. Cloud State University has been recognized by VIQTORY media as a Top 10 Military Friendly® School for embracing military students and dedicating resources to ensure their success (2021).

**AACSB business programs have specific course and credit requirements; the exact number of transferable credits may vary. You will work closely with your academic advisor to review your transcript and create a personalized transfer plan that fits your goals and ensures you are set up for success.

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