Why Join St. Thomas
Federal Credit Union?
A credit union is a member-owned, not-for-profit financial institution. That means we exist to serve you, our members and not outside shareholders. Any surplus earnings are returned to you as lower loan rates, higher dividends on share (savings) and fewer fees. That makes us different—and we believe better—than a traditional bank.
Who can join & what you need:
All you need to open an account with us is a $50 minimum deposit. To earn the disclosed APY and avoid a fee, maintain a daily available balance of at least $5.
Featured STTFCU Products & Services
Share (Savings) Accounts
Build your cushion with flexible options that earn dividends and guidance from people who know island life.
Christmas Club
Set a little something aside all year and step into the holidays ready. Your future self will thank you!
Revolving Credit Loans
A flexible line that’s there when you need it. Access funds in $500 increments up to your approved limit.
Recent Rates
New & used autos as low as
Vacation loans as low as
Unsecured loans as low as
Digital Banking
(Online Banking & Mobile App)
Stay connected to your accounts at anytime, from anywhere. With our It’sMe247 Online Banking, you have an “Internet Teller” ready to serve you around the clock. And with our STTFCU mobile app, you can check balances, transfer money, pay bills and much more… right from your phone! It’s island time, on your time.
Emergency Personal Loans
Cover urgent expenses with predictable monthly payments:
- Borrow up to $3,000 (subject to approval)
- Fixed term that fits your budget
- Fast decisions with respectful support
- Smart alternative to high-cost payday lenders
eStatements
STTFCU’s eStatements are just like paper statements, but better:
- They arrive earlier each month
- You can download or print anytime
- There’s extra security (no mailbox risk)
- They keep our island greener
Our Community
Born here and banking here since 1952! Visit the Community section of our website to see upcoming STTFCU events, participate in our Money 101 financial workshops and read educational articles about everything from preventing scams to boosting the money in your share (savings) account. You may even bump into our pal, Hibiscus Penny!
Become a St. Thomas FCU Member Today
Online
Stay connected to your accounts at anytime
In Person
Allen A. Canton Building
5027 Norre Gade
St. Thomas, VI 00802-6749
By Phone
Call 1-340-774-1299