Credit union · Privately insured
St. Joe Valley Credit Union Savings Rates
St. Joe Valley Credit Union’s best savings rate is 0.05% APY on $10,000, with its Super Saver. Rates checked October 22, 2026.
How St. Joe Valley Credit Union’s savings rates compare
Compared with banks and credit unions in Idaho, where St. Joe Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Joe Valley Credit Union
0.05%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $5
Super Saver
Top rate
Members Preferred Credit Union
4.08%APY
- Minimum
- $0
- Earns on $10,000 a year
- $408
2nd-highest rate
America First Credit Union
3.95%APY
- Minimum
- $0
- Earns on $10,000 a year
- $395
St. Joe Valley Credit Union savings score
60
Savings score
Higher than 2% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where St. Joe Valley Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Super Saver
0.05%APY
Minimum balance and opening deposit of $2,500.00. No maximum balance. If balance falls below $2,500.00, no dividend is paid for that day and a service fee is charged. Tiered rate account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Amounts under $2,500.00. No dividend paid if balance falls below $2,500.00. | 0.00% | — | Amounts under $2,500.00. No dividend paid if balance falls below $2,500.00. |
| $2,500 – $5,000Amounts under $5,000.00 ($2,500.00 to under $5,000.00). | 0.05% | — | Amounts under $5,000.00 ($2,500.00 to under $5,000.00). |
| $5,000 and upAmounts $5,000.00 and Over. | 0.05% | $5 | Amounts $5,000.00 and Over. |
Sources (3)
- stjoevalleycu.com/dividends.html
- stjoevalleycu.com/pdf/truth-in-savings-disclosure.pdf
- stjoevalleycu.com/accounts.html
All captured Oct 15, 2026
Regular Shares
0.01%APY
Primary membership share requires $10.00 par value (1 share). Minimum opening deposit $10.00, minimum balance to avoid service fee $10.00, minimum balance to earn APY $10.00. Compounded and credited quarterly. Maximum 6 transfers/withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Amounts Under $5,000.00. Minimum average daily balance to earn APY is $10.00. | 0.01% | — | Amounts Under $5,000.00. Minimum average daily balance to earn APY is $10.00. |
| $5,000 and upAmounts $5,000.00 and Over. | 0.01% | $1 | Amounts $5,000.00 and Over. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Share Account
0.10%APY
IRA savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceLast quarter declared dividend.Any balance | 0.10% | $10 | Last quarter declared dividend. |
Sources (1)
- stjoevalleycu.com/dividends.html · captured Oct 15, 2026
Christmas Club
0.05%APY
This account is designed to plan for holidays, taxes, or winter vacation. Save up to $2,000 per year per member. Dividends paid annually on September 30. Fee charged for withdrawals before September 30. Account requires $10 minimum opening deposit and $10 minimum average daily balance to earn APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upDividends paid annually. Maximum deposit $2000 per year per member. Withdrawals before Sept 30 incur fee.$10 and up | 0.05% | $5 | Dividends paid annually. Maximum deposit $2000 per year per member. Withdrawals before Sept 30 incur fee. |
Sources (3)
- stjoevalleycu.com/dividends.html
- stjoevalleycu.com/pdf/truth-in-savings-disclosure.pdf
- stjoevalleycu.com/accounts.html
All captured Oct 15, 2026
Idaho Medical Savings Accounts
0.05%APY
For medical expenses, contributions may be deductible from Idaho State taxes up to state limits. Compounded and credited quarterly. Maximum 6 transfers/withdrawals per month. Minimum opening deposit and minimum balance to earn APY is $10.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upLast quarter declared dividend. Average daily balance method.$10 and up | 0.05% | $5 | Last quarter declared dividend. Average daily balance method. |
Sources (3)
- stjoevalleycu.com/dividends.html
- stjoevalleycu.com/pdf/truth-in-savings-disclosure.pdf
- stjoevalleycu.com/accounts.html
All captured Oct 15, 2026
Vacation Club
0.05%APY
Open account with $10. Maximum balance is $4,000.00. Allows maximum of 2 withdrawals per year; more than 2 withdrawals in a calendar year will be charged a fee. Minimum average daily balance to earn APY is $10.00. Compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,000Rate on last quarter declared dividend. Average daily balance method.Up to $4,000 | 0.05% | — | Rate on last quarter declared dividend. Average daily balance method. |
Sources (3)
- stjoevalleycu.com/dividends.html
- stjoevalleycu.com/pdf/truth-in-savings-disclosure.pdf
- stjoevalleycu.com/accounts.html
All captured Oct 15, 2026
Who can join St. Joe Valley Credit Union
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.
Membership information collected October 4, 2026.