Routing Number 252076730
Office Hours: Monday, Wednesday, and Friday from 8:00am to 2:00pm.
For the safety of staff and members, the credit union office will temporary be closed on Tuesdays and Thursdays for in person traffic. We will still be processing electronic transactions, phone and email request but from a remote location. Phone message will be retrieved on an hourly basis during our business hours of 8am- 2pm. We appreciate your business and understanding during this challenging time.
Guidance on how to handle your banking needs:
If you need to obtain more than the normal $300 cash limit at an ATM, or temporarily increase your Point of Sale limit on your debit card, please leave a message at 410-337-1319 or email us at firstname.lastname@example.org with your request and a call back number.
Mobile and online Banking is the fastest and most convenient way to do many of your banking needs. To enroll visit our website at www.sjmcfcu.org and enroll. Once you have completed the enrollment on the website you can download our mobile app. It is easy and the credentials are the same, no need to establish another password.
If you don’t have internet access, you may call the office at 410-337-1319 and leave a detailed message. You can make a payment on your loan by providing your routing number and account number for the institution from which we will be taking the money. If requesting a withdrawal from your account it will be issued as a check and mailed to the address on file. If you need to update your address it can be done on Home Banking or email to email@example.com.
To process either a loan payment or withdrawal via email, be sure to utilize the secured message option on Home Banking if providing your detailed account information.
Home Banking offers the following:
- Ability to transfer funds between your accounts with the credit union
- View your balance and transaction history
- Access to our Bill payment program
- Send secured messages
Bill Payment offers the following:
- Ability to pay bills directly from either your share or share draft account.
- Transfer funds from us to another institution under the Transfer Tab
Share Savings Accounts
Your share savings account is your primary account. $25 is required to maintain your membership. It provides a good place to save regularly at a competitive dividend rate, build your rainy day fund, or accumulate enough savings to purchase certificates. Share savings can be withdrawn at any time. Once you are a member, you may open more than one savings account.
Share Draft Accounts
Open this account for just $100.00 and begin enjoying basic checking at its best, with no fees.Our Share Draft Accounts feature:
- No monthly service charge
- No minimum balance requirement
- No direct deposit requirement
- No per check charges
- Overdraft protection
- Bill Payment
Youth Savings Accounts
Whether you put aside money for a rainy day or for special purchase, saving is a good habit to form. The earlier we can teach our children the importance of saving, the better.
Our Children’s Savings Accounts are developed especially for credit union members ages 0 – 17 years. We desire to help introduce the importance of saving, planning, and financial responsibility to our younger members.
Share Certificates of Deposit
The Credit Union offers from 12 months to 36 months Share Certificates. A minimum of $500 is needed to open a C.D. Interest is calculated on a 365-day basis and is compounded monthly. You may collect the interest in one of the following ways:
- Added to your principal
- Paid monthly to your regular share account
- Paid directly to you.
- The penalty for early withdrawal is 180 days of interest.
Christmas Club Accounts
The Credit Union’s Christmas Club allows you to put money aside all year long for holiday purchases. Around the beginning of November, your Christmas funds become available to you. A $20 penalty applies for early withdrawals.
Vacation Club Accounts
The Credit Union's Vacation Account allows you to put money aside all year long for vacations. The account allows for four withdrawals in a calendar year without penalty. A $20 penalty applies for withdrawals in excess of four.
New/Used Auto Loan Promotion
Need a Personal Loan?
Obtain a personal loan from SJMCFCU today at the
lowest possible rate of 3.99%