St. Joe Valley Credit Union

What St. Joe Valley Credit Union does

St. Joe Valley Credit Union is a member-owned, non-profit cooperative financial institution chartered on October 31, 1959, and headquartered at 129 S. 9th in St. Maries, Idaho. It serves individuals and small businesses whose residence, employment, or military service falls within a 35-mile radius of St. Maries, with membership eligibility extending to immediate families and qualifying businesses. The institution has grown from 33 founding members with $173 in assets to over 2,000 members and $7.1M to over $8M in total assets, operating with an estimated 1–10 employees. Member accounts are privately insured by American Share Insurance up to $250,000 per account, by membership vote.

The credit union delivers a full suite of consumer banking products: share draft (checking) accounts at $3/month ($2 with EStatements), tiered savings products including Super Saver ($2,500 minimum), Vacation Club, Christmas Club, Idaho Medical Savings Accounts, and the children's 'Critter' Club. Loan offerings span auto, RV, mobile home, home improvement, personal, student (via ISL Education Lending referral), and home loans including FHA, VA, and USDA products. Additional services encompass ATM/debit cards via the CO-OP network, bill pay, wire transfers, reloadable VISA cards, credit disability/life insurance, official checks, check cashing, direct deposit, notary service, and a 'Skip A Pay' loan deferral program. Home loans are offered in all 50 states through a third-party processor.

Digital operations are powered by the HomeCu platform, which underpins the credit union's online banking portal, mobile apps (iOS and Android), and online loan application workflow. Card controls are delivered through the SecurLOCK Equip app. The business model is interest-spread driven (interest income on loans offset by dividend payouts on deposits), supplemented by deposit account fees, transaction fees, and referral compensation from the ISL Education Lending partnership. Go-to-market is community-led — local presence, word-of-mouth, volunteer committees, and resident directors — with digital channels serving as the primary top-of-funnel surface. There are no subsidiaries, no parent organization, no funding rounds, and no disclosed M&A activity.

Name

St. Joe Valley Credit Union

Legal name

St. Joe Valley Credit Union

Website

https://stjoevalleycu.com

Company type

Private

Founded year

1959

Operating status

Operating

Headcount range

1–10 employees

Short description

St. Joe Valley Credit Union is a member-owned, non-profit cooperative chartered in 1959 in St. Maries, Idaho, serving 2,000+ members within a 35-mile radius through savings, checking, consumer loans, and digital banking on the HomeCu platform.

Ownership category

akta.pro rank

Product category

Retail Banking / Credit Union Services

NAICS

Credit Unions (52213)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Consumer banking services
• Deposit accounts
• Consumer lending
• Savings products
• Credit union services

Headquarters

HQ city

Saint Maries

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income on Loans: Primary revenue from interest charged on various loan products including auto loans, RV loans, mobile home loans, home improvement loans, personal loans, student loans, and real estate loans.
2. Deposit Account Fees: Monthly fees on share draft accounts ($3/month, $2 with EStatements), withdrawal fees on club accounts exceeding limits, and potential fees for falling below minimum balance requirements on Super Saver accounts.
3. Referral Fees from Student Loan Partner: St. Joe Valley Credit Union receives compensation from ISL Education Lending for referring student loan customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

St. Joe Valley Credit Union is a member-owned, non-profit cooperative financial institution that provides traditional retail banking products and services to its members. Its core offerings include share draft (checking) accounts, multiple savings account types (Super Saver, Vacation Club, Christmas Club, Idaho Medical Savings Accounts, Children's Critter Club), and a broad suite of consumer loans (auto, RV, mobile home, home improvement, personal, student, and real estate/mortgage loans). Services are delivered through a single branch in St. Maries, Idaho, supplemented by HomeCu-powered online and mobile banking.

Product overview

St. Joe Valley Credit Union offers a comprehensive suite of financial products and services centered around traditional banking. The core offerings include multiple savings accounts (Share Draft/Checking, Super Saver, Vacation Club, Christmas Club, Idaho Medical Savings Accounts, and Children's Critter Club), diverse loan products (Auto, RV, Mobile Home, Home Improvement, Personal, Student, Home Loans with FHA/VA/USDA options), and credit cards. Additional services include Bill Pay, ATM/Debit Cards, Reloadable VISA Cards, Credit Disability/Life Insurance, Official Checks, Wire Transfers, and Drive-up Window Service. The credit union also provides financial planning tools through its Financial Calculators. Products are accessible via Online Banking, Mobile App, and physical branch services.

Differentiator

Problem solved

Functional benefit

Products and services

• Share Draft (Checking) Account
• Super Saver Account
• Vacation Club Account
• Christmas Club Account
• Idaho Medical Savings Accounts
• Children's Critter Club
• Auto Loans
• RV Loans
• Mobile Home Loans
• Home Improvement Loans
• Personal Loans
• Student Loans
• Home Loans (Real Estate Mortgages)
• Credit Cards
• ATM/Debit Cards
• Reloadable VISA Card
• Bill Pay
• Skip A Pay
• Credit Disability and Life Insurance
• Official Checks
• Check Cashing
• Direct Deposit and Payroll Deduction
• Wire Transfers
• VISA Gift and Travel Cards
• Drive-up Window Service
• Notary Service

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• ISL Education LendingcoreStrategic or Co-development PartnerPartnership with ISL Education Lending, a non-profit organization, to offer private student loans and refinancing options for college students. ISL provides loans for college students, parent/family borrowing options, and multiple student loan refinance options. The partnership includes referral compensation to St. Joe Valley Credit Union.
• American Share InsurancecoreOthersMembers' accounts are insured by American Share Insurance up to $250,000 per account - the highest level of coverage available to depositors. By vote of the membership, this institution is not federally insured.
• CO-OP Credit Unions (ATM Network)minorChannel Partner/ Reseller/ DistributorCO-OP credit union network provides shared ATM locator services and network access for St. Joe Valley Credit Union members to access cash nationwide.
• HomeCucoreTechnology or IntegrationHomeCu provides the online banking platform powering member account access, loan applications, and member services. Powered by HomeCu according to website footer.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• BECU: Pacific Northwest credit union with full retail banking, mortgage, and consumer loan products comparable to St. Joe Valley, but operating at far greater scale with national digital reach.
• Mountain America Credit Union: Large multi-state credit union operating across the Intermountain West with the same retail product suite (deposits, consumer loans, mortgages, digital banking) as St. Joe Valley, but at materially greater scale and geographic reach.

Emerging players

• Alliant Credit Union: Online-first, membership-based credit union offering consumer loans, deposits, mortgages, and digital banking nationwide; comparable product suite to St. Joe Valley but competing via a digital-only national model rather than a community field of membership.
• SchoolsFirst Federal Credit Union: California-based membership-defined credit union offering consumer loans, deposits, mortgages, and digital banking—comparable in cooperative structure and product breadth though in a larger market.

Direct peers

• SELCO Community Credit Union: Oregon-based community credit union with member-owned cooperative structure offering consumer loans, mortgages, deposits, and digital banking comparable to St. Joe Valley's full-service retail credit union model.
• Blue Federal Credit Union: Wyoming-based community credit union serving a defined regional field with deposit accounts, consumer loans, and mortgages—comparable member-owned small-institution model to St. Joe Valley.
• Potlatch No. 1 Federal Credit Union: Small community credit union serving the St. Maries and north-central Idaho region with similar deposit and consumer loan products, including a member-owned cooperative model closely matching St. Joe Valley's structure.
• Whitefish Credit Union: Montana community credit union serving a defined regional field of membership with consumer loans, mortgages, deposits, and digital banking—closely analogous in mission and product set to St. Joe Valley.

Regional players

• Numerica Credit Union: Pacific Northwest credit union serving eastern Washington and northern Idaho with consumer loans, mortgages, deposits, and digital banking—overlapping geographic and product footprint with St. Joe Valley.
• Idaho Central Credit Union: Idaho-headquartered credit union operating across the same state with a much larger asset base; offers the same retail deposit and consumer/mortgage loan products and competes for members within the broader Idaho market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/stjoevalleycu
• LinkedInlinkedin.com/company/st-joe-valley-cu

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about St. Joe Valley Credit Union