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St Joe Valley Credit Union Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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.
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| 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: September 22, 2026

St Joe Valley Credit Union's 12 Month CD rates are at 3.40%, 6 Month CD rates are at 3.38%. St Joe Valley Credit Union's savings rates are at 0.10%. St Joe Valley Credit Union's Personal Loan Rates are as low as 9.49%. MonitorBankRates evaluates the financial stability of St Joe Valley Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.75%. Rates last updated and verified on 09/22/2026.

St Joe Valley 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 Joe Valley Credit Union? Share your experience about St Joe Valley Credit Union by leaving a review below, or read customer reviews before you decide to use St Joe Valley Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.75%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
St Joe Valley Credit Union
St Joe Valley Credit Union
129 S 9th St
St Maries, ID 83861
https://www.stjoevalleycu.com
Member NCUA

St Joe Valley Credit Union CD Rates

Product Rate APY Term View More
12 Month Certificate 3.40% 3.40% 12 Months
Details APY* is a blended rate.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%
6 Month Certificate 3.35% 3.38% 6 Months
Details APY* is a blended rate.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%

St Joe Valley Credit Union Savings Rates

Product Rate APY View More
Super Saver Accounts 0.40% 0.40%
Min Balance $0
Details Balance: Amounts under $5,000.00
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%
Super Saver Accounts 0.40% 0.40%
Min Balance $5,000
Details Balance: Amounts $5,000.00 and over
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%
Christmas Club Account - paid annually 0.40% 0.40%
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%
Medical Savings Account - last quarter 0.10% 0.10%
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%
Vacation Club Account - last quarter 0.10% 0.10%
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%

St Joe Valley Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicles Loan - - 4.75% 36 to 84 months
Details As low as
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%
Used Vehicles Loan - - 4.75% 36 to 72 months
Details As low as
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%
Used Vehicles - over 10 years Loan - - 5.75% 36 to 72 months
Details As low as
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%

St Joe Valley Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New RV's Loan - 7.24% 48 to 144 months
Details As low as
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%
Used RV's Loan - 7.49% 36 to 84 months
Details As low as
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%

St Joe Valley Credit Union Personal Loan Rates

Product APR Term View More
Personal Loan 9.49% 12-48 Months
Details As low as
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%

St Joe Valley Credit Union Other Rates

Product Rate Points APY/APR Term View More
Regular Shares 0.04% - 0.04%
Min Balance $0
Details Balance: Amounts Under $5,000.00
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%
Regular Shares 0.04% - 0.04%
Min Balance $5,000
Details Balance: Amounts $5,000.00 and Over
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.75%
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.
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Financial Health History

St Joe Valley Credit Union’s Texas Ratio fell from 3.38% in Q2 2023 to 1.75% in Q1 2026, so its financial health has improved and is now 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; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 3.38% A+ Q2 2023 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 1.75% A+ Q1 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 Grade15% Verified Healthy limit (green zone below = healthy)
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
March 31, 2026$14M1.75%5.0A+
December 31, 2025$14M1.54%5.0A+
September 30, 2025$13M3.38%5.0A+
June 30, 2025$13M2.13%5.0A+
March 31, 2025$13M2.32%5.0A+
December 31, 2024$13M2.05%5.0A+
September 30, 2024$13M3.23%5.0A+
June 30, 2024$13M4.10%5.0A+
March 31, 2024$13M5.11%5.0A+
December 31, 2023$13M6.48%5.0A
September 30, 2023$13M6.30%5.0A
June 30, 2023$14M3.38%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 Joe Valley 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 Joe Valley 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 Joe Valley Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name St Joe Valley Credit Union
Website https://www.stjoevalleycu.com
Address 129 S 9th St, St Maries, ID 83861
Phone 208-245-4231
Fax 208-245-5341
President Dale Hill
CEO Gloria Rauch
Full-Time Employees 3
Part-Time Employees 4
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+ (99/100)
Texas Ratio
1.75%
Return on Assets (ROA)
0.3747%
Return on Equity (ROE)
3.2928%
Non-Performing Loans Ratio (NPL)
0.44%
Total Assets
13,880,044
Total Amount of Shares and Deposits
12,243,383
Total Shares and Deposits < 1 Year
12,063,515
Total Shares and Deposits 1 3 Years
179,868
Total Interest Expense (Sum of items 6 8)
11,161
Share Certificates
35
Number of Accounts for Share Drafts
489
Number of Accounts for Regular Shares
1,144
All other shares
163
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)
2,274,012
Total Liabilities
12,300,741
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

St Joe Valley Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/st-joe-valley-credit-union-rates-review-97066">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 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 Joe Valley 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 Joe Valley Credit Union
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Frequently Asked Questions About St Joe Valley Credit Union

How many branches does St Joe Valley Credit Union operate?

St Joe Valley 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 Joe Valley Credit Union?

Yes, to access services at St Joe Valley 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 Joe Valley 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 Joe Valley Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does St Joe Valley Credit Union offer online and mobile banking?

Most modern institutions like St Joe Valley 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.stjoevalleycu.com.

Current St Joe Valley Credit Union Rates

  • 12-Month CD3.40%
  • Savings0.10%
Retrieved from our database of financial products. Rates subject to change.

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