Audio Teller and Home Banking (HFS) and Online ATM will be down for 1.5 Hours during Check Processing and End Of Day Processing and during End Of Month  Processing.  Members will not be able to call into the Audio Teller or view the HFS site or log into their accounts online during this time period. 

See New Certificate Rates as high as 2.90% APY.  Rates are listed in the CD Rates Table.

 CHECK PROCESSING TIME CHANGED.

Checks that are presented will be processed Monday through Friday between 2:00 PM and 4:00 PM following presentment of checks from the Federal Reserve.  This change is necessary to comply with new Federal Regulations that apply to ATM and Debit Card transactions beginning 07-01-2010.

"OPT-IN" FORM FOR MEMBERS WITH CHECKING ACCOUNTS AND OVERDRAFT ADVANCE BENEFITS NEEDS TO BE RETURNED BY 08-15-2010!

Members with checking accounts with overdraft advance protection, are receiving "OPT-IN" forms which requires your reply as soon as possible but prior to August 15, 2010 to avoid having Overdraft Advance protection removed from your checking account.  This is required by new federal laws that took effect on July 1, 2010.  See the Newsletter or call Membership Representative in our offices for more information.

 Member Statements are changing to comply with new Federal Laws.

New disclosure information had to be added to the statement.  This is adding to the length of pages on the the statement.  Also, it adds to our costs for postage and uses more paper.  See below on how to receive future statements by signing up for eStatements.  eStatements on your PC will save on postage costs, save on paper, easy to organize, and receive the eStatement much sooner than the paper Statement.

NEW: WEB STATEMENTS ARE NOW AVAILABLE!

You must be signed up for Home Banking (HFS).  Sign up is automated from within HFS.  Sign in as usual to HFS:  1.  Select "Services".  2.  Select "Change e-Statement Options".  3.  Verify and enter your current e-mail address;  at "Statement Options" using the down arrow, select e-Statements (or printed Statements if you want to change back to printed statements).

You will receive an email telling you when your Statement is ready for viewing within the HFS Summary Page by selecting "Statements".  Your statement will be in PDF format as well as any insert.  Six monthly statements can be stored online beginning with your March 31, 2009 statement if signed up before 03-31-09. Your statement cycle will be unchanged:  monthly (Checking & ACH Transactions),  Quarterly (Shares, CDs, other Deposit Accounts and Loans that have activity other than dividend), and End of Year (Inactive Accounts). 

New:  On Line Loan Applications and with Decision Now.  Click Here:   For Auto Loans, Unsecured Loans, MasterCard, Line Of Credit and Promotional Loans.

 To View our latest Financial Statement Click here!

NCUA Media Release, October 3, 2008

Today's passage of the Emergency Economic Stabilization Act of 2008 will require NCUA to immediately increase share insurance protection to $250,000 on all types of accounts until December 31, 2009. 

NCUA is reviewing all share insurance coverage materials included on the Internet Share Insurance Tool Kit, such as the Your Insured Funds brochure and print advertisement, to make needed revisions.  Revised documents reflecting $250,000 coverage will be posted to the NCUA website as soon as possible.  Click Here!

(Note 06-08-2009:  $250,000 Deposit Insurance Coverage Limit has been extended to 12-31-2013.  On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and other certain retirement accounts which will remain at $250,000 per depositor.  This supercedes the October 3, 2008 changes.)

On 07-22-2010, with the enactment of the new law Wall Street Reform and Consumer Protection Act, the $250,000 NCUA Share Insurance Protection now became Permanent.

The National Credit Union Administration is the independent federal agency that regulates, charters and supervises federal credit unions.  NCUA, with the backing of the full faith and credit of the U.S. government, operates and manages the National Credit Union Share Insurance Fund, insuring the deposits of nearly 89 million accounts in all federal credit unions and the overwhelming majority of state-chartered credit unions.

Note:  St. Joseph's Credit Union is a federally insured state chartered credit union.

 

Fee Schedule Changes on March 1, 2008!

Access the new Fee Schedule by hovering over the Rates button on the left or Click here!.  

March 1, 2008 Overdraft Advance (Courtesy Pay) limit increased from $400 to $600.

Most members with Overdraft Advance or "Courtesy Pay" with current limit of $400 have been increased to $600 or Check here!

Since January 28, 2008, Member Deposits and Payments have been cleared electronically.

Known as Check 21, a federal act, is desinged to improve the efficiency of our nation's check clearing system by encouraging electronic check processing by all financial institutions.  See more in the Products section or Click here!

Del Rio Branch Office Closed on January 1, 2008 but credit union services will not be Gone!