St. Joseph Teachers’ Credit Union

Rated star_ratedstar_rated_halfstar_normalstar_normalstar_normal by Credit Guide
Review based on 12 criteria Rating: 1.5 out of 5

2316 Village Drive, Saint Joseph, MO 64506

Website

(816) 233-5544

Data Source: NCUA, December 31, 2016


St. Joseph Teachers’ Credit Union was founded in 1931. Headquartered in Saint Joseph, Missouri, St. Joseph Teachers’ Credit Union is a state chartered and federally insured credit union, being chartered in Missouri and insured through the National Credit Union Share Insurance Fund (NCUSIF). St. Joseph Teachers’ Credit Union is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, St. Joseph Teachers’ Credit Union services 1,429 members through its 3 full-time employees. It has $8,009,446 of total assets and $604,142 of net worth. Based on its asset size and net worth ratio, St. Joseph Teachers’ Credit Union is classified as a Well Capitalized small credit union.

St. Joseph Teachers’ Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. St. Joseph Teachers’ Credit Union also provides an array of services to its members and local communities. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of St. Joseph Teachers’ Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in Missouri and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of Missouri
Median of USA
Checking
0.0000
0.0000
0.0000
Savings
0.1000
0.1500
0.1200
Money Market
0.0000
0.2500
0.2500
Certificate Deplit
0.0000
0.5000
0.5800
IRA
0.0000
0.5000
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Missouri
National Median Rates
Credit Cards
13.9000
9.9600
9.9900
Unsecured Line of Credits
14.4000
11.4350
10.9500
Short-term Small Amount
n/a
27.8950
25.0000
Student Loans
n/a
6.0450
6.0200
New Car Loans
3.2800
3.3200
3.3300
Used Car Loans
6.1200
4.8200
4.5000
1st Mortgage Real Estates
n/a
4.1200
4.2500
Other Real Estates
8.0000
4.5000
4.7000

St. Joseph Teachers’ Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, ATMs, and mobile devices. The table below lists the electronic banking services prlided by St. Joseph Teachers’ Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
No
Share Account Transfers
Yes
New Loan Application
No
Share Draft Orders
Yes
No
New Share Account
No
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
No
No
Account Balance Inquiry
Yes
No
No
View Account History
Yes
No

.

Community and other Service Offerings

Financial Counselling
No
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
No
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
No
Insurance/Investment Sales
No
First Time Homebuyer Program
No
Saint Joseph Teachers’ Credit Union
Main Office

2316 Village Dr
Saint Joseph, MO 64506-4955
Phone:816-233-5544

(816) 232-9608

No Review

  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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