--- title: "St. Joseph Teachers' Credit Union Rates (Nov 2026): CDs to 0.15%" description: "St. Joseph Teachers' Credit Union rates today: savings & CDs up to 0.15% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join St. Joseph Teachers' Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/missouri/st-joseph-teachers" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # St. Joseph Teachers' Credit Union Rates (Nov 2026): CDs to 0.15% ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Share Draft** checking | 0.15% APY | 0.15% | — | Standard | | **Savings/Share** savings | 0.15% APY | 0.15% | — | Standard | St. Joseph Teachers' Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 0.15% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/missouri/st-joseph-teachers) , verified from [St. Joseph Teachers' Credit Union's official website](https://sjtcreditunion.com/) Loading branch locator… ## About St. Joseph Teachers' Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.1K Assets $8.7M Founded 1931 Locations reported 1 NCUA charter 67708 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Postal & Community** Postal & Community Credit Union · Saint Joseph · MO · 64506 About 0.5 miles away](https://rateapi.dev/credit-unions/missouri/postal-community) [**District One Highway** District One Highway Credit Union · Saint Joseph · MO · 64506-1548 About 0.6 miles away](https://rateapi.dev/credit-unions/missouri/district-one-highway) [**United Consumers** South Belt · Saint Joseph · MO · 64506-3011 About 1.2 miles away](https://rateapi.dev/credit-unions/missouri/united-consumers) [**Goetz** Goetz credit union · Saint Joseph · MO · 64501-1540 About 2.1 miles away](https://rateapi.dev/credit-unions/missouri/goetz) [**Holy Rosary** St. Joseph Branch · Saint Joseph · MO · 64501-1142 About 3.0 miles away](https://rateapi.dev/credit-unions/missouri/holy-rosary) [**Frontier Community** Atchison · Atchison · KS · 66002-2418 About 24.1 miles away](https://rateapi.dev/credit-unions/kansas/frontier-community) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join St. Joseph Teachers' Credit Union Membership eligibility from St. Joseph Teachers' Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on St. Joseph Teachers' Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer St. Joseph School District, parochial schools of St. Joseph, MO, Missouri Western State College, St. Joseph Teachers’ Credit Union, Savannah R-3 School District, Spire Gas Energy of St. Joseph, MO, United Parcel Service of St. Joseph, MO, East-Buchanan School District, Mid-Buchanan School District - Association Retired Teachers Association of St. Joseph, MO Verified from [St. Joseph Teachers' Credit Union's membership page](https://sjtcreditunion.com/how-to-join/) . Final membership determination is always made by the credit union. ## Membership rules for St. Joseph Teachers' Credit Union Employers 9 · Associations · Family 2 12 published paths to membership, last verified August 27, 2026, quoted from St. Joseph Teachers' Credit Union’s own published criteria. ### Employers 9 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of St. Joseph School District “all employees of the St. Joseph School District” > [source ↗](https://sjtcreditunion.com/how-to-join/) - Employee of St. Joseph School District - Employee of parochial schools of St. Joseph, MO “employees of the parochial schools of St. Joseph, MO” > [source ↗](https://sjtcreditunion.com/how-to-join/) - Employee of parochial schools of St. Joseph, MO - Employee of Missouri Western State College “employees of Missouri Western State College” > [source ↗](https://sjtcreditunion.com/how-to-join/) - Employee of Missouri Western State College - Employee of St. Joseph Teachers’ Credit Union “Employees of this credit union” > [source ↗](https://sjtcreditunion.com/how-to-join/) - Employee of St. Joseph Teachers’ Credit Union - Employee of Savannah R-3 School District “employees of Savannah R-3 School District” > [source ↗](https://sjtcreditunion.com/how-to-join/) - Employee of Savannah R-3 School District - Employee of Spire Gas Energy of St. Joseph, MO “Employees of Spire Gas Energy of St. Joseph, MO” > [source ↗](https://sjtcreditunion.com/how-to-join/) - Employee of Spire Gas Energy of St. Joseph, MO - Employee of United Parcel Service of St. Joseph, MO “employees of United Parcel Service of St. Joseph, MO” > [source ↗](https://sjtcreditunion.com/how-to-join/) - Employee of United Parcel Service of St. Joseph, MO - Employee of East-Buchanan School District “employees of the East-Buchanan School District” > [source ↗](https://sjtcreditunion.com/how-to-join/) - Employee of East-Buchanan School District - Employee of Mid-Buchanan School District “employees of the Mid-Buchanan School District” > [source ↗](https://sjtcreditunion.com/how-to-join/) - Employee of Mid-Buchanan School District ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of Retired Teachers Association of St. Joseph, MO “Members of the Retired Teachers Association of St. Joseph, MO” > [source ↗](https://sjtcreditunion.com/how-to-join/) - Member of Retired Teachers Association of St. Joseph, MO ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member child, brother, sister, parent, grandchild “Family members of all listed above.” > [source ↗](https://sjtcreditunion.com/how-to-join/) - Family member (child, brother, sister, parent, grandchild) of a member - Family of a member family “Family members of all listed above.” > [source ↗](https://sjtcreditunion.com/how-to-join/) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for St. Joseph Teachers' Credit Union? Yes No ## Work at St. Joseph Teachers' Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where St. Joseph Teachers' Credit Union ranks against Missouri peers. - See which AI assistants fetched St. Joseph Teachers' Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Missouri - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=st-joseph-teachers&state=missouri&code=MO&name=St.%20Joseph%20Teachers'%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does St. Joseph Teachers' Credit Union offer? St. Joseph Teachers' Credit Union is a credit union in Missouri. Rate data is currently being verified. ### How often are St. Joseph Teachers' Credit Union rates updated? RateAPI verifies St. Joseph Teachers' Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get St. Joseph Teachers' Credit Union's rate data? Rate data is collected directly from St. Joseph Teachers' Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is St. Joseph Teachers' Credit Union's best CD rate? As of November 12, 2026, St. Joseph Teachers' Credit Union offers savings and certificate (CD) yields up to 0.15% APY. ### Who can join St. Joseph Teachers' Credit Union? St. Joseph Teachers' Credit Union publishes its membership criteria on its own website. RateAPI tracks 12 published membership paths covering 9 employers and 1 association for St. Joseph Teachers' Credit Union, each quoted from St. Joseph Teachers' Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare St. Joseph Teachers' Credit Union's rates against national credit-union benchmarks. [More Missouri credit unions](https://rateapi.dev/credit-unions/missouri) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://sjtcreditunion.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track St. Joseph Teachers' Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Missouri credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for St. Joseph Teachers' Credit Union curl "https://api.rateapi.dev/credit-unions/missouri /st-joseph-teachers " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## St. Joseph Teachers' Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/missouri/st-joseph-teachers Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp