MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
  1. Home›
  2. Credit Unions›
  3. St James Parish Credit Union
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

St James Parish Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

St James Parish Credit Union's top rates as of October 9, 2026 are 3.82% APY on its 12 Month CD, 0.50% APY on savings, and auto loans from 4.99% APR, according to rates verified by MonitorBankRates. Other St James Parish Credit Union CD rates include IRA Term CD - 12 month at 3.82%, 18 Month CD at 3.76%, and IRA Term CD - 18 month at 3.76%. MonitorBankRates evaluates the financial stability of St James Parish Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/09/2026.

St James Parish Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at St James Parish Credit Union? Share your experience about St James Parish Credit Union by leaving a review below, or read customer reviews before you decide to use St James Parish Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.00%
Perfect Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
St James Parish Credit Union
St. James Parish Credit Union
6195 Cheviot Rd
Cincinnati, OH 45247-6120
https://www.stjpcu.com
Member NCUA
Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

St James Parish Credit Union CD Rates

Product Rate APY Term View More
12 Month Certificate 3.75% 3.82% 12 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
IRA Term Certificate - 12 month 3.75% 3.82% 12 Months
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
18 Month Certificate 3.70% 3.76% 18 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 5 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
IRA Term Certificate - 18 month 3.70% 3.76% 18 Months
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.76% APY · checked 5 times
3.26%3.76%4.26%Sep 14, 2026: 3.76% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
24 Month Certificate 3.65% 3.71% 24 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
IRA Term Certificate - 24 month 3.65% 3.71% 24 Months
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 3.71% APY · checked 5 times
3.21%3.71%4.21%Sep 14, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
6 Month Certificate 2.75% 2.78% 6 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
9 Month Certificate 2.75% 2.78% 9 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
48 Month Certificate 0.35% 0.35% 48 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
60 Month Certificate 0.35% 0.35% 60 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
IRA Term Certificate - 48 month 0.35% 0.35% 48 Months
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
IRA Term Certificate - 60 month 0.35% 0.35% 60 Months
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
36 Month Certificate 0.25% 0.25% 36 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
IRA Term Certificate - 36 month 0.25% 0.25% 36 Months
Min Deposit $1,000
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

St James Parish Credit Union Savings Rates

Product Rate APY View More
IRA Share Savings 0.50% 0.50%
Min Deposit $50
Min Balance $5,000
Details Balance: $5,000+
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Panther Saver 0.50% 0.50%
Min Deposit $50
Min Balance $10,000
Details Balance: $10,000+
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Share Savings 0.50% 0.50%
Min Deposit $50
Min Balance $10,000
Details Balance: $10,000+
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
IRA Share Savings 0.25% 0.25%
Min Deposit $50
Min Balance $50
Details Balance: $50 - $4,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Panther Saver 0.25% 0.25%
Min Deposit $15
Min Balance $50
Details Balance: $50-$9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Share Savings 0.25% 0.25%
Min Deposit $50
Min Balance $50
Details Balance: $50-$9,999.99
Last Updated 10/09/2026
Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

St James Parish Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - - 6.25%
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 6 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

St James Parish Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loan - - 4.99%
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Used Auto Loan - - 5.99%
Details As Low As
Last Updated 10/09/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

Financial Health History

St James Parish Credit Union’s Texas Ratio fell from 0.51% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.1% 2.0★ 2.1% 3.0★ 3.2% 4.0★ 4.3% 5.0★ Healthy zone – entire history below the 15% limit 0.51% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.00% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$6M0.00%5.0A+
March 31, 2026$6M1.26%5.0A+
December 31, 2025$6M1.29%5.0A+
September 30, 2025$6M0.00%5.0A+
June 30, 2025$6M0.00%5.0A+
March 31, 2025$6M0.00%5.0A+
December 31, 2024$6M3.16%5.0A+
September 30, 2024$6M0.90%5.0A+
June 30, 2024$6M0.00%5.0A+
March 31, 2024$6M0.47%5.0A+
December 31, 2023$6M0.48%5.0A+
September 30, 2023$6M0.51%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for St James Parish Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather St James Parish Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with St James Parish Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name St James Parish Credit Union
Website https://www.stjpcu.com
Address 6195 Cheviot Rd, Cincinnati, OH 45247-6120
Phone 513-385-5921
Fax 513-385-0199
President Richard Betsch
CEO Debbie Schuster
Full-Time Employees 1
Part-Time Employees 3
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.00%
Return on Assets (ROA)
0.6471%
Return on Equity (ROE)
2.9641%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
5,886,468
Total Amount of Shares and Deposits
4,407,547
Total Shares and Deposits < 1 Year
3,705,284
Total Shares and Deposits 1 3 Years
694,382
Total Shares and Deposits > 3 Years
7,881
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,407,547
Total Interest Expense (Sum of items 6 8)
38,750
Share Certificates
102
IRA KEOGH Accounts
53
Number of Accounts for Regular Shares
817
Net Income (unless the amount is already included in Undivided Earnings)
38,093
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
152,928
Total Liabilities
4,601,306
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

St James Parish Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/st-james-parish-credit-union-rates-review-62624">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for St James Parish Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for St James Parish Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About St James Parish Credit Union

How many branches does St James Parish Credit Union operate?

St James Parish Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join St James Parish Credit Union?

Yes, to access services at St James Parish Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, St James Parish Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, St James Parish Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does St James Parish Credit Union offer online and mobile banking?

Most modern institutions like St James Parish Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.stjpcu.com.

Current St James Parish Credit Union Rates

  • 12-Month CD3.82%
  • 18-Month CD3.76%
  • 24-Month CD3.71%
  • 60-Month CD0.35%
  • Savings0.50%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Rancho Federal Credit Union Downriver Community Federal Credit Union North Little Rock Educators Federal Credit Union G.A.P. Federal Credit Union Jeep Country Federal Credit Union Consumers Credit Union LBS Financial Credit Union Kaiperm Federal Credit Union Green Country Federal Credit Union UALU 354 Federal Credit Union Cincinnati Interagency Federal Credit Union Mt Gilead Federal Credit Union Mt Rainier Federal Credit Union MINNESOTA VALLEY USPLK Employees Federal Credit Union First Watch Federal Credit Union Painesville Credit Union Volt Credit Union Universal City Studios Credit Union Leatherstocking Region Federal Credit Union C-Plant Federal Credit Union