Holy Rosary Credit Union is a member-owned financial cooperative serving residents and employees within its community, rooted in a faith-aligned mission that emphasizes cooperative principles and member benefits. Historically, credit unions like Holy Rosary emerged to provide accessible financial services through member ownership, emphasizing prudent stewardship, community support, and democratic governance. The organization operates as a nonprofit financial institution, governed by a board elected by credit union members and overseen to ensure accountability and compliance with applicable regulations.
Its primary functions include accepting deposits, providing loan products, and offering basic banking services tailored to the needs of its membership. The credit union's scope typically encompasses routine financial transactions, consumer and possibly small-business lending, and savings programs designed to promote financial stability among members. Operational activities are guided by policies that uphold risk management, member education, and community engagement, with services delivered through secure, cooperative channels and a focus on reliability and accessibility within its service area.
Better than 45% of providers in St Joseph
In addition to the primary service, Holy Rosary Credit Union also offers:
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Holy Rosary Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Holy Rosary Credit Union is listed as a financial service provider in St Joseph, MO and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Holy Rosary Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Holy Rosary Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Holy Rosary Credit Union with other providers in St Joseph and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Holy Rosary Credit Union has a rating of 4.5, which is better than 45% of providers in St Joseph.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Holy Rosary Credit Union requests. It is always best to call ahead using the phone number on this page so Holy Rosary Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Holy Rosary Credit Union also offers: Credit union, ATM.