What's New

All Locations Will Be Closed on March 22, 2018

All St. Joseph's Hospital Federal Credit Union locations will be closed on Thursday, March 22, 2018.

We apologize for the inconvenience. However, you will still have access to your accounts using these convenient features:

  • Online Banking: www.sjhfcu.org
  • Call 24 Automated Phone System: 813-870-4560
  • St. Joseph's Hospital FCU's Mobile Banking Application*
  • Your debit card will work as normal. Withdrawals can be made at an ATM.
  • Deposits can be made in the night depository if available at your location.
  • You can complete basic transactions at shared branch locations. Find a shared branch by clicking the CO-OP Shared Services banner in the bottom right corner of our home page.


*Requires enrollment in online banking and mobile banking. Log in online at www.sjhfcu.org.

New Requirements for Payday Alternative Loans (PAL)

St. Joseph’s Hospital Federal Credit Union offers Payday Alternative Loans (PAL) as a convenient alternative to payday lenders. This loan allows our members to borrow money quickly, with no credit check, and repay the loan over a 1 to 6 month period. We want to continue to offer this valuable product but the credit union must manage the risk associated with these loans and build stronger relationships with the members who borrow them. To that end, below are the new requirements for borrowing a PAL. 

Requirements. A member must… 

  • Be a member of the credit union in good standing for at least six months

  • Have a direct deposit of:

    • At least $500 if the full paycheck is greater than $500

    • 100% of the net amount if the full paycheck is less than $500

  • Provide proof of employment or income for two consecutive pay periods

  • Pay the $20 processing fee at the time of the request 

Restrictions. A member may not… 

  • Request more than the average of two pay consecutive paychecks (maximum amount is $1,000)
  • Have more than one PAL at a time

  • Receive a new extension of credit while repaying a PAL

  • Rollover the loan

  • Take out more than three PALs in a six month period


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