Credit union · NCUA insured
St. Joseph Teachers' Credit Union Savings Rates
St. Joseph Teachers' Credit Union’s best savings rate is 0.15% APY on $10,000, with its Share (Savings) Account. Rates checked October 16, 2026.
How St. Joseph Teachers' Credit Union’s savings rates compare
Compared with banks and credit unions near St. Joseph, MO-KS, where St. Joseph Teachers' Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Joseph Teachers' Credit Union
0.15%APY
- Minimum
- $25
- Earns on $10,000 a year
- $15
Share (Savings) Account
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
North American Savings Bank
3.60%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $360
St. Joseph Teachers' Credit Union savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
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. Joseph Teachers' 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.
Share (Savings) Account
0.15%APY
Open to employees of specified school districts/employers and their family members. Requires a one-time membership fee of $1.00 and maintaining at least a $25.00 balance (one share) for credit union membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded/paid quarterly on balances of $100 or more. No monthly service charge.$100 and up | 0.15% | $15 | Dividends compounded/paid quarterly on balances of $100 or more. No monthly service charge. |
Sources (3)
All captured Sep 17, 2026
Who can join St. Joseph Teachers' Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.