Since its inception in 1968 the ST. JOSEPH MEDICAL CENTER MD FEDERAL CREDIT UNION has been serving its members in
and around the Towson, Maryland area
with exceptional financial products.
Currently led by
,
the ST. JOSEPH MEDICAL CENTER MD FCU has grown it's membership to
over
2,000 with assets of more than
$11,111,000.
They have
3 full time employees
with a
single main office.
Members can also take advantage of a full array of loans including
real estate mortgages,
business loans
and
new
and used
car loans.
ST. JOSEPH MEDICAL CENTER MD FEDERAL CREDIT UNION is registered as a Service - health care type Credit Union. This means that
anyone associated with their Service - health care group may be eligible to join. Please see the credit unions website or contact them at
410-337-1319 to get exact details.
ST. JOSEPH MEDICAL CENTER MD FEDERAL CREDIT UNION BRANCH LOCATIONS
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ST. JOSEPH MEDICAL CENTER MD FEDERAL CREDIT UNION LOCATIONS
ST. JOSEPH MEDICAL CENTER MD FCU Locations in MD
Click on any ST. JOSEPH MEDICAL CENTER MD FCU location link to see the location placed into the map above. Driving
directions are also available if you need them.
Loan and Deposit Rates for the ST. JOSEPH MEDICAL CENTER MD FCU
Please Note: The National Credit Union Administration (NCUA) requires all Credit Unions
Insured by the National Credit Union Share Insurance Fund (NCUSIF)to file quarterly (5300)
data reports. The information below comes from those reports.
The deposit and loan rates
shown are not the current rates for the ST. JOSEPH MEDICAL CENTER MD FEDERAL CREDIT UNION. Some of these rates change on a daily
basis and you must visit the Credit Unions website
www.sjmcfcu.org to get their current rates. The sole purpose of showing this data is to show the relative relationship of
ST. JOSEPH MEDICAL CENTER MD FCU 's rates versus the average rates of all Credit Unions at both the state and
national levels at a specific point in time, quarter end.
The data below is from quarter end 12/31/2009. You may also want to look at our pages that
show all
Credit Union Loan and Deposit Rates in Maryland or
Credit Union Loan and Deposit Rates in the USA.
From those
pages you'll be able to investigate specific types of loans and deposit rates and sort the
data to find what Credit Unions are offering the best rates or the highest deposit rates.
Deposit Type
ST. JOSEPH MEDICAL CENTER MD
State Average
National Average
sjmcfcu.org Deposit Rates at Quarter End
Checking Rate %
0.25%
0.26%
0.39%
Regular Savings Rate %
1.25%
0.71%
0.72%
Money Market Rate %
0.00%
1.15%
1.01%
Certificates of Deposit Rate %
2.65%
1.98%
1.90%
IRA/KEOGH Rate %
0.00%
1.74%
1.81%
All Other Savings Rate %
0.00%
0.66%
0.78%
sjmcfcu.org Loan Rates at Quarter End
Unsecured Credit Card Loan Rate %
0.00%
10.27%
10.94%
All Other Unsecured loans/Lines of Credit Rate %
10.15%
11.47%
12.02%
sjmcfcu New Car Loan Rate %
5.00%
5.66%
6.03%
sjmcfcu Used Car Loan Rate %
5.00%
6.23%
7.11%
1st Mortgage Real Estate/Lines of Credit Rate %
0.00%
5.61%
6.03%
Other Real Estate Loans/Lines of Credit Rate %
7.75%
5.54%
6.11%
All Other Loans/Lines of Credit Rate %
5.50%
6.07%
7.11%
ST. JOSEPH MEDICAL CENTER MD FEDERAL CREDIT UNION Assets Range Over Last 10 Years
$20,000,000
$16,000,000
$12,000,000
$8,000,000
$4,000,000
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
ST. JOSEPH MEDICAL CENTER MD FCU Outstanding Loans Over Last 10 Years
$6,000,000
$4,800,000
$3,600,000
$2,400,000
$1,200,000
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
ST. JOSEPH MEDICAL CENTER MD FEDERAL CREDIT UNION Total Deposits Over Last 10 Years
$10,000,000
$8,000,000
$6,000,000
$4,000,000
$2,000,000
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
ST. JOSEPH MEDICAL CENTER MD FCU Total Membership Count Over Last 10 Years
3,000
2,400
1,800
1,200
600
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
ST. JOSEPH MEDICAL CENTER MD FEDERAL CREDIT UNION Branch Locations
5
4
3
2
1
2000
2001
2002
2003
2004
2005
2006
2007
2008
2009
The above graphs attempt to give our visitors a quick reflection into the ST. JOSEPH MEDICAL CENTER MD FEDERAL CREDIT UNION business trends over the past 10 year period. Sometimes a visual chart can tell a story a lot
faster and clearer than just looking at a series of numbers. A quick look at the total loans and
deposits graphs for instance may give you a very good insight into the current state of affairs
for ST. JOSEPH MEDICAL CENTER MD FCU . An upward sloping chart for these charts and a rise in membership would seem
to say that this Credit Union is doing something right. Of course you must use your own judgment
in reading the data that we're supplying you with. Disclaimer: The quarterly data we use is
available for viewing at the NCUA website which you can find via our
resource page.
We try our best to share this data as error free as
possible. Please see our Terms Page for usage rules and regulations.
FINANCIAL STATUS OF ST. JOSEPH MEDICAL CENTER MD FEDERAL CREDIT UNION
Total Assets
$11,111,386.00
Net Worth Ratio
14.81
Net Worth Classification by NCUA
Well Capitalized
Total Loans
$5,204,834.00
Total Deposits
$9,418,362.00
ADDITIONAL FINANCIAL SERVICES OFFERED BY ST. JOSEPH MEDICAL CENTER MD FEDERAL CREDIT UNION
Do they offer Mortgage Processing?
No
Do they offer Overdraft Protection?
No
Do they offer Overdraft Lines of Credit?
Yes
Do they offer ATM/Debit Card program?
Yes
Do they offer Insurances/Investment Sales?
No
ACCESS TO ELECTRONIC FINANCIAL SERVICES OF ST. JOSEPH MEDICAL CENTER MD FEDERAL CREDIT UNION
Do they provide Home Banking Via Internet Website?
No
Do they provide Wireless based service?
No
Do they provide Home Banking/PC based service?
No
Do they provide Audio Response/Phone based service
Yes
Do they provide ATM (Automated Teller Machine) access?
No
Do they provide Kiosk based service?
No
Other services?
No
ST. JOSEPH MEDICAL CENTER MD FCU ONLINE ACCESS FUNCTIONALITY
Can website visitors get a Member Application?
No
Can website visitors get a New Loan?
No
Can website visitors access an Account Balance Inquiry?
Yes
Can website visitors order Checks?
No
Can website visitors get a New Share Account?
No
Can website visitors make Loan Payments?
No
Can website visitors access an "Account History" view?
No
Can website visitors purchase Merchandise?
No
Can website visitors share Account transfers?
No
Can website visitors make Bill Payments?
No
Can website visitors download the Account History?
No
Can website visitors use/get Electronic Cash?
No
Can website visitors make Account Aggregation?
No
Can website visitors get Internet Access Service?
No
Do they provide Signature Authentification?
No
LOAN SERVICES PROVIDED BY ST. JOSEPH MEDICAL CENTER MD FEDERAL CREDIT UNION
sjmcfcu Loan Types
Do they offer Indirect Lending?
No
Do they offer Participation Loans?
No
Do they offer Real Estate Mortgage Loans?
Yes
Do they offer Member Business Loans?
No
Do they offer Risk Based Loans?
Yes
Do they offer Direct Financing Leases?
No
Do they offer Credit Cards Loans?
No
Do they offer New Vehicle Loans?
Yes
Do they offer Used Vehicle Loans?
Yes
Do they offer Unsecure Loans? (Other than Credit cards)
Yes
sjmcfcu Member Business Loans
Do they offer Agricultural Loans?
No
Do they offer Construction and Development Loans?
No
Do they offer Small Business Administration Loans?
No
Do they offer Unsecured Business Loans?
No
sjmcfcu Real Estate Loans
Do they offer Adjustable Rate 1st Mortgages with Rate Adjustment at least once a Year?
No
Do they offer Adjustable Rate 1st Mortgages with Rate Adjustment less often than once a Year?
No
Do they offer Balloon/Hybrid 1st Mortgages 5 Years or Shorter?
No
Do they offer Balloon/Hybrid 1st Mortgages Longer than 5 Years?
No
Do they offer Closed End Adjustable Rate 2nd Mortgages?
No
Do they offer Closed End Fixed Rate 2nd Mortgages?
No
Do they offer Fixed Rate 1st Mortgages 15 Years or Shorter?
No
Do they offer Fixed Rate 1st Mortgages Longer than 15 Years?
No
Do they offer Interest Only 1st Mortgages?
No
Do they offer Open End Adjustable Rate 2nd Mortgages?
No
Do they offer Open End Fixed Rate 2nd Mortgages?
No
Total of 1st Mortgages made YTD that were Sold
$0.00
Do they offer Unclassifiable Fixed Rate 1st Mortgages?
No
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