URGENT:

The St. Joseph Federal Credit Union is looking for volunteers to work one or two nights a month. No experience is necessary, we offer training. Please note that due to recent departures from our volunteer staff, we are now at a critical point in the staffing of our organization. If you are interested in volunteering, please feel free to call Tom Poos at 859-261-6617 or Natalie Powell at 859-441-0049. Please feel free to stop in during normal business hours to discuss this in further detail. This is a great opportunity for high school juniors and seniors to earn service hours.

Annual Meeting of the St. Joseph Federal Credit Union:

The Annual Meeting of the St. Joseph Federal Credit Union will occur on Tuesday March 13th at 7:00 p.m. in Kelley Hall. Upon completion of the business meeting, door prizes will be awarded and a small reception will be held. All members are invited and encouraged to attend.

Car Loan Interest Rate Special:

New and Used Car Loans are currently being offered at the special rate of 3.9%. These rates will be in effective until March 31st, 2012, at which point the rates will be subject to change.

More Info

Membership in the credit union is open to all parishioners and members of the parishioner's immediate family. Members must have a share account with a minimum balance of $25.00. There is a $1.00 fee to join the credit union. Savings Products offered:

• Share Accounts (Passbook Savings) are currently paying .25%.
• Christmas Club Accounts - open a Christmas Club Account. Save a specific dollar amount each week for 49 weeks and the Credit Union will pay the 50th week as your bonus. Christmas Club accounts can be opened beginning the first week of November and the checks are available the mid-October.
• Individual Retirement Accounts - we are currently paying 2.75% on IRA's
• Certificate of Deposits - Effective January 1, 2012 the credit union has changed its Certificate of Deposit offerings. We offer a 6 month CD and a 12 month CD and the interest will be paid based upon the term of the CD, with the longer term paying the higher rate.
  The full interest will be paid at maturity instead of the currently quarterly interest posting. We will now allow you to choose to have the interest paid to your share account or to include it in a rollover to a new CD.
  The minimum amount required to open a CD is now $1,500. Please note that unless we receive specific direction prior to maturity, all CDs will be rolled over for 6 months with the interest posted to your share account.
• Loan Products offered:
  • New Car Loans - we are currently charging 4.00% interest on new car loans
  • Used Car Loans - 5.00% interest
  • Signature Loans - 9.00% interest
  
  The Credit Union is staffed by volunteers. We are always looking for additional volunteers. No experience necessary. Please feel free to call Tom Poos at 859-261-6617 or Natalie Powell at 859-441-0049. Please feel free to stop in the credit union office in person.
  
  Please feel free to mail requests to the Credit Union's attention at 4011 Alexandria Pike, Cold Spring, KY 41076. You may also drop off items in the mail slot at the rectory.

Schedule

Business Frequency:	Twice Weekly
Business Days:	Monday and Thursday
Office Hours:	7:00 - 8:30 PM
Office Location:	Credit Union Offices