St. Joseph Medical Center MD FCU is a member owned credit union whose purpose is to provide quality service through our "People Helping People" philosophy. We continuously strive to offer personalized services while maintaining financial strength and stability.St. Joseph Medical Center FCU is located within University of Maryland St. Joseph Medical Center. Our customer/members depend on us for their daily financial needs-including Checking accounts, Savings accounts, Christmas club accounts, Auto loans, Personal loans, Home equity loans, as well as financial counseling and planning needs. Credit Union membership is open to employees, volunteers, doctors, medical staff of UMMSJMC. In addition to our sponsor membership employees who work in Dietary and Housekeeping are eligible to join the Credit Union. The Credit Union also welcomes family members of current credit union membersThe essential difference between credit unions and other financial institutions is one of philosophy. In a member-owned credit union, people serve people without a profit motive. Members pool their financial assets to provide themselves funds for loans and a wide variety of financial services, offered at rates that are frequently more favorable than rates at other types of lending institutions.The credit union concept is the practical approach to the financial well-being of people, to pursue quality and innovation in insurance and finance-related products and excellence in service.