St Joe Valley Credit Union

A short history of St Joe Valley CU

Since its inception in 1959 the St Joe Valley Credit Union has been serving its members in the ST MARIES, Idaho area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Gloria Rauch, the St Joe Valley CU has grown its membership to over 1,160 with assets of more than $8,083,993. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (208) 245-4231 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in ST MARIES, ID.

General Information For St Joe Valley CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Compare St Joe Valley Credit Union To Other Local Credit Unions

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St Joe Valley Credit Union Financial Performance Charts

Financial Data

St Joe Valley Credit Union Lowest Loan Rates With State and USA Rankings

	Unsecured Credit Card	New Car Loans	Used Car Loans	1st Mortgage Loans	Other Real Estate
Rate	N/A	3.80	6.30	5.25	7.40
Mean Rate For All USA Based Credit Unions	10.56	3.72	5.00	4.48	4.95
Rank Among All USA Credit Unions	N/A	250	474	297	450
Rank Among All Idaho Credit Unions	N/A	21	29	21	24

St Joe Valley Credit Union Highest Deposit Rates With State and USA Rankings

	Checking	Regular Savings	Money Market	Certificates of Deposits	IRA/KEOGH
Rate	N/A	0.01	N/A	0.25	0.10
Mean Rate For All USA Based Credit Unions	0.19	0.26	0.29	0.73	0.66
Rank Among All USA Credit Unions	N/A	156	N/A	310	283
Rank Among All Idaho Credit Unions	N/A	10	N/A	23	20

St Joe Valley Credit Union Loans and Leases

Interest Rate

Number of Loans

Amount

Unsecured Credit Card Loans	0.000	0	0
All Other Unsecured Loans/Lines of Credit	11.000	92	119,245
Short-Term, Small Amount Loans (STS) (Federal CU Only)	0.000	0	0
Non-Federally Guaranteed Student Loans	0.000	0	0
New Vehicle Loans	3.800	1,357	923,556
Used Vehicle Loans	6.300	2,995	1,105,904
Total 1st Mortgage Real Estate Loans/Lines of Credit	5.250	36	1,608,899
Total Other Real Estate Loans/Lines of Credit	7.400	2	36,719
Leases Receivable	0.000	0	0
Total All Other Loans/Lines of Credit	5.550	69	659,826
TOTAL LOANS & LEASES		4,551	4,454,149

St Joe Valley Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding

Amt of Loans Outstanding

No. of Loans Granted Year- to-Date

Amount Granted Year-To-Date

Fixed Rate
a. > 15 years	31	1,208,048	0	0
b. 15 Years or less	0	0	0	0
Balloon/Hybrid
a. > 15 years	5	400,851	0	0
b. 15 Years or less	0	0	0	0
Other Fixed Rate	0	0	0	0
Adjustable Rate 1 yr or less	0	0	0	0
Adjustable Rate > 1 yr	0	0	0	0

OTHER REAL ESTATE

Closed-End Fixed Rate	2	36,719	0	0
Closed-End Adjustable Rate	0	0	0	0
Open-End Adjustable Rate	0	0	0	0
Open-End Fixed Rate	0	0	0	0
TOTALS	38	1,645,618	0	0

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans	0	0		0
Interest Only & Payment Option Other RE/LOC Loans	0	0		0
REVERSE MORTGAGES
a. Federally Insured Home Equity Conversion Mortgage (HECM)	0	0	0	0
b. Proprietary Reverse Mortgage Products	0	0	0	0

St Joe Valley Credit Union Member Offerings

First Time Homebuyer Program	No
Real Estate Loans	Yes
Pay Day Lending	No
Share Secured Credit Cards	No
Overdraft Protection/Courtesy Pay	No
Overdraft Lines of Credit	Yes
ATM/Debit Card Program	Yes
Interest Only and Payment Option 1st Mortgage Loans	No
Check Cashing	Yes
Money Orders	No
No Surcharge ATMs	No
Home Banking Via Internet Website	Yes