History of St. James Parish Credit Union

Celebrating 75 years of serving parishioners of St. James Parish 1939-2016!

St. James Parish Credit Union was founded in 1939, with George Geiser as the first Manager.  Since that time Frank Staigl, assisted by Mary Lou Berlier, and Julie Bruzina have been the only other managers.  A number of volunteer Board of Directors and Officers have served for decades, providing continuity, direction and expertise for a sound institution.

A cold school lunch room a single table, handwritten records and one night a week operations is how it all began.  It wasn’t until 1980 and $1 million in assets that the credit union moved to their own building next to the school.  The building provided the space and atmosphere needed to operate and serve the members more professionally. Today the credit union is approximately $6 million in assets with over 1000 members.

Parishioners who are already members say it’s the “best kept secret around!”.  Our rates on loans and deposit accounts are very favorable.  Among other things, we offer many promotional programs and encourage kids to save by using the Panther Savers Program at school.  We are committed to providing quality service to parishioners of St. James Church.


St. James Parish Credit Union Mission Statement

St. James Parish Credit Union is a state chartered and federally insurance organization, dedicated to providing quality personalize services in a comfortable, family oriented and convenient setting, to members of St. James Parish to satisfy their continuing financial needs.  We are committed to the sound financial performance and to the safety and security of member deposits.  Employees, volunteer Board of Directors, Audit Committee and Credit Committee are valued and have the opportunity for personal and professional development and growth.  


How is a credit union different than a bank and how do I join?

Credit Unions ARE different than banks.  The two financial institutions may offer similar products and services but the similarities stop there.  Crucial differences exist – in ownership, in cost of borrowing money, in use of services and in customer satisfaction.  We routinely inform and counsel members about financial matters, assist in exploring financing options, and take the time to provide the product that best fits your needs and your budget.  We are especially proud of the time we take with new borrowers in understanding the lending process, the obligations of a borrower and credit ratings.  We are appreciative to our existing members who continue to make referrals to the credit union.  Are you a member? – We’d like to hear from you and welcome you to join today!

What is a credit union?  

The credit union is a financial cooperative.  St. James Parish Credit Union is member-owned and a not-for-profit financial institution chartered by the State of Ohio, dedicated to improving members’ lives.  People who share a common bond join together in a non-profit association for the purpose of doing business with one another. They save their money together, borrow those funds with low cost loans and receive other financial services at little or no cost.

 Who owns the credit union? 

A credit union belongs to its members.  When you open an account at a credit union, you become one of the owners.  We have an 11 member volunteer board, and a 4 member audit committee. The office is staffed with a manager, office assistance and two member representatives.

What is the tie between the credit union and St. James Parish or School?

The credit union is a complete entity of its' own.  St. James Parish (called the "sponsor") merely means that we are limited to serve those in the Parish/School community (family households, relatives of parishioners, etc) and therefore not everyone can be a member or take advantage of the services offered. NO information is shared with the Parish or school about our members, their accounts or their financial standings.  Our entire staff, board and committees adhere to the same confidentiality and privacy that any other financial institution must and should abide by. For the convenience of our membership, we do offer the convenience of paying tuition payments or church donations directly from the credit union, however, this must be set up through the Parish Business Office. 

Who can be a member?  

The credit union was established in 1939 for the benefit of parishioners of St. James Parish. St. James CU membership is open to all registered parishioners of St. James.    Over the years membership has been extended past the household or parish to other family members – sons, daughters, grandchildren, parents, etc. 

 How do I become a member?   

Membership is granted when you deposit and maintain at least $50.00 in a share account.  A share account is like a savings account. We also encourage children to establish share accounts in their own names with as little as a $15.00 deposit and participate in the Pawket Saver Program offered during the school year.

Benefits of becoming a  member of the credit union?   

As a member of the credit union, you and your family members can enjoy favorable rates on share accounts and share certificates, IRAs, attractive rates on personal, auto and home equity loans, and free notary service.  More importantly, we provide personal service in addressing your financial needs and are able to provide quick turnaround on loans.

How do I find out more? 

We invite you to stop in during our normal business hours, Monday through Friday 9:00am-3:00pm and the first Saturday of each month 9:00am-1:00pm.  Or, if you have questions please call the Memberline at 513.385.5921.



We have been serving Parishioners of St. James Parish for nearly 75 years!  Here are just a few of the differences between a CREDIT UNION versus BANKS and SAVINGS & LOANS.  Our goal is provide the highest level of service to our members,




Not for profit, not for charity, but for SERVICE PURPOSE To make a profit.
A FINANCIAL COOPERATIVE owned and controlled BY ITS MEMBERS. DEFINITION Business owned by groups of shareholders who may or may not have accounts there.
DEMOCRATICALLY structed; every member has an equal say about a credit union's goals, functions, and services. STRUCTURE Depositors have no vote.  In a bank or savings and loan, only shareholders may vote on goals, functions, and services.
Directors are ELECTED BY MEMBERS and they VOLUNTEER THEIR TIME. DIRECTORS Board members are elected by their shareholders and are paid.
Earnings are RETURNED TO MEMBERS in the form of dividends, higher savings rates, lower loan rates, and improved services. EARNINGS Earnings are returned to shareholders.


St. James Parish Credit Union
6195 Cheviot Road, Cincinnati, OH 45247-6120, Ph (513) 385-5921 Fax: (513) 385-0199
Hours: Monday - Friday 9:00am - 3:00pm First Saturday of each month 9:00am - 1:00pm
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