St. Joseph's Credit Union











Avoid additional ATM fees at non-St. Joseph's CU/Hill Country CU ATM's:  Our members with SJCU/HCCU ATM/Debit Cards have access to the CO-OP ATM Network.  For a list of available ATM locations (World Wide) and possible non-network service free machines, please visit www.co-opnetwork.org.

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 0.50% APY.  Rates are listed in the CD Rates Table.

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

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

2015 Annual Report
Click Here to download your 2015 Annual Report.

Bill Payer System
Use your home computer to pay your bills online.  Currently, there is no monthly service charge fee for members who use the bill payer system with at least 2 transactions per month; otherwise there is a $6.50 per month for inactive accounts.  Also, there is a $25 fee for payment confirmation investigations, stop payment transactions, and having non-sufficient funds (NSF).  Enrollment is online, use the Bill Pay button on the left.  You will be asked personal questions.  This helps to maintain your account and enables Bill Pay to efficiently process your payments.  This information is only used for making payments within the payment center.  You have to have a checking account with St. Joseph's CU because transactions will be directed to the checking account.  For support, call 800-877-8021 or email: paymentcenter@eds.com.

 
Business Center Services
Small business owners, now there are various administrative business support programs available:  Payroll Services, Credit Card Merchant Processing, Equipment Leasing, Credit Lines & SBA Approved Loans, Private Label Credit Programs, Check deposits from your office to your account at SJCU, and many more.  Enrollment is online, use the "Business Service" button on the left.
 
AlertMe Credit Report Monitoring
AlertMe is a service that monitors your credit profile at the Experian credit bureau for material changes such as a new account, new address, delinquency, new credit report inquiry, judgments and liens. If such a change occurs, you will be notified by mail or e-mail of the change.  Specifics of the change can be retrieved on their website in a secure manner if you are an e-mail subscriber.  This is an excellent "early warning" tool to have to fight back against identity theft.  For a nominal fee, AlertMe monitors your credit report and quickly advises you of any sudden changes.  This will help you take corrective action sooner, saving you frustration, time, and money.  Enrollment is online, use the "AlertMe Credit Service" button on the left. 
 
Home Banking or Online Banking (HFS)
Home Banking or Online Banking (Home Financial Services-HFS) is installed on our web site and is available to members now - Click the Home Banking button above or the Online Banking button to the left. You will be able to see your account balances and daily transactions. You can make transfers between your accounts. Print out copies of your checks that paid through the Federal Reserve System if these had not been converted to electronic checks or if they had not paid over the counter in a credit union office. Contact the credit union at any of our offices to sign-up/enroll or use HFS to advise us that you are interested.  We will mail you the proper forms to complete and return to one of our offices for processing.
 
Fredericksburg Location
When you are in Fredericksburg, Texas, visit our branch office. In Fredericksburg, St. Joseph's CU is doing business under the name of Hill Country Credit Union located at 610 West Main Street. The branch offers  motor lanes, ATM's, and night depository. Check your St. Joseph's CU quarterly newsletter for location and times of operation. Visiting San Antonio and Del Rio members are welcome to conduct business at this location. Visiting members from Del Rio or Fredericksburg to San Antonio are also welcome to conduct business in our San Antonio Offices.  
 
1 . Rates effective January 1, 2015 . All rates are AS LOW AS 1.65% and are quoted as Annual Percentage Rate. Rates and terms are subject to change without prior notice. Other restrictions may apply. Rates apply on new loans only. Subject to normal credit, underwriting and collateral value guidelines. Floor rate on auto loans is 1.65% APR. Maximum term for 1.65% rate is 60 months. For vehicles over 10 years old, add 2.00% to the above listed rates. This offer does not apply to existing Firstmark CU vehicle loans. On loans refinanced from other lenders, members must provide documentation of their existing rate with the other lenders to qualify for the rate match. For title secured auto loans, add 2.00% to the above listed rates and max LTV is 80%.
2. Annual Percentage Rate valid as of 11/15/13. Rates and terms subject to change. Usual credit criteria applies. New money only.

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