Try the First Presbyterian Church in St. Cloud. Pastor Ed Morgan. It's also a very pretty church.
Bethlehem Lutheran welcomes non-members, although they would still encourage you to join the church. If you cannot join, you just have to pay a larger fee to be married there. The fee is $500 for members and $700 for non-members. It's kind of pricey, but includes a great "engaged workshop", premarital counseling, great pastors to guide you, and a beautiful sanctuary. We were very happy with our choice to get married at Bethlehem Lutheran.
Holy Cross Lutheran Church is a wonderful church, but may not be the best for non-members getting married there. I would try some of the other ones that people on wedding mapper have suggested.
Click on each tool to see a sample.