Credit union · Privately insured
St. Joe Valley Credit Union
A $13.9M credit union headquartered in St. Maries, ID, with 1,135 members and 1 branch in Idaho. Best rates: savings 0.05% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: only special-purpose accounts (IRA, youth) are published. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—0.10%CD rates →
- Savings600.05%at $10,000Savings rates →
Deposits are privately insured, not by the federal government.
About St. Joe Valley Credit Union
St. Joe Valley Credit Union was organized on October 31, 1959, to promote thrift among its members and accumulate savings to make loans.
Sole ownership and control of the credit union rests directly with its members, with its main office located in St. Maries, Idaho.
- Headquarters
- 129 S 9th St, St. Maries, ID 83861
- NCUA charter
- 97066
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- All people living within a radius of 35 miles of the city of St. Maries are eligible for membership.
Employers and groups
- All people employed within a radius of 35 miles of the city of St. Maries are eligible for membership.
Military, government and schools
- All military personnel having their permanent residence within the service area are eligible for membership.
Family and household
- Immediate families of people living in or employed within a radius of 35 miles of the city of St. Maries are eligible for membership.
- Immediate families of military personnel having their permanent residence within the service area are eligible for membership.
Other ways
- Entities with a business address located within the membership area and organizations of eligible persons are eligible for membership.
Cost to join
- A deposit of $10.00 into a new share/savings account is required to establish membership.
Branches
1 branch in Idaho
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Idaho
1 branch
- St Joe Valley Credit UnionMain office129 S 9th St, St. Maries, ID 83861Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.62% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.59% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.45% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $54 | $59 | — |
- CapitalNet worth ratio11.62%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.59%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.45%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$54Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of St. Joe Valley Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.