Credit union · NCUA insured
St. Joseph Teachers' Credit Union
A $8.7M credit union headquartered in St. Joseph, MO, with 1,090 members and 1 branch in Missouri. Best rates: savings 0.15% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no accounts of this kind found on its website. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings670.15%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About St. Joseph Teachers' Credit Union
Headquartered in St. Joseph, Missouri, St. Joseph Teachers' Credit Union is a member-owned financial cooperative chartered in 1931.
The credit union has been serving its community since 1937.
- Headquarters
- 2316 Village Dr, St. Joseph, MO 64506-4955
- NCUA charter
- 67708
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of other groups approved by the board of directors and Missouri Division of Credit Unions are eligible for membership.
- Employees of the credit union, Spire Gas Energy of St. Joseph, MO, and UPS of St. Joseph, MO are eligible for membership.
Military, government and schools
- Employees of specified school districts and Missouri Western State College are eligible for membership.
Family and household
- Family members of eligible employee/member groups are eligible for membership.
Other ways
- Members of the Retired Teachers Association of St. Joseph, MO are eligible for membership.
Cost to join
- A one-time membership fee of $1.00 is required to join.
- A deposit of at least $25.00 into a share account is required to establish membership and ownership.
Branches
1 branch in Missouri
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Missouri
1 branch
- Saint Joseph Teachers' Credit UnionMain office2316 Village Dr, St. Joseph, MO 64506Directions
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 | 10.90% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.29% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.10% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $35 | $59 | — |
- CapitalNet worth ratio10.90%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.29%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.10%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$35Peers’ 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. Joseph Teachers' Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.