Credit Unions in Saint Joseph, MO
5 member-owned, NCUA-insured credit unions headquartered in or near Saint Joseph, serving a combined 17,195 members. The largest is Postal & Community. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Postal & Community
Saint Joseph, MO🇺🇸
11,156 members
Credit Unions & BankingView details →District One Highway
SAINT JOSEPH, MO🇺🇸
1,968 members
Credit Unions & BankingView details →Stationery
Saint Joseph, MO🇺🇸
1,965 members
Credit Unions & BankingView details →St. Joseph Teachers'
SAINT JOSEPH, MO🇺🇸
1,085 members
Credit Unions & BankingView details →Lovers Lane
SAINT JOSEPH, MO🇺🇸
1,021 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Saint Joseph: they are based in or near Saint Joseph. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Saint Joseph
2 more credit unions headquartered elsewhere have a branch in Saint Joseph, MO. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
United Consumers
INDEPENDENCE, MO🇺🇸
16,852 members
Credit Unions & BankingView details →Holy Rosary
KANSAS CITY, MO🇺🇸
7,042 members
Credit Unions & BankingView details →- United Consumers — branch: 724 N Belt Hwy Saint Joseph, MO 64506-3011
- Holy Rosary — branch: 1002 N 4th ST Saint Joseph, MO 64501-1142
How to join a credit union in Missouri
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Saint Joseph or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in nearby cities
Credit unions in Saint Joseph — common questions
How many credit unions are in Saint Joseph?
5 member-owned, NCUA-insured credit unions are headquartered in or near Saint Joseph, Missouri, with a combined 17,195 members. The largest is Postal & Community.
Are these the closest credit unions to me in Saint Joseph?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Saint Joseph, geocoded to the city. The second list adds 2 more credit unions headquartered elsewhere that NCUA shows with a branch in Saint Joseph, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Saint Joseph?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Missouri accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Saint Joseph?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.