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To assist you in learning more about the Credit Union, we have compiled a short list of the most frequently asked questions and answers:

Q. My debit card is lost/stolen. What should I do?
A. To report a lost or stolen Debit or ATM Card call 340-774-1299
Q. What are your hours of operation?
A. View our hours on our locations page.
Q. What is the monthly fee for Share Draft (checking)?
A. There is a monthly fee of $XXXXX  for your Share Draft account. See our fee schedule and member services section for more information.
Q. Do I have to maintain a minimum balance in Share (savings)?
A. A $50 minimum balance is required to avoid a monthly low balance service fee. You will find that our Share account generally pays a higher rate of return, called dividends, than at other financial institutions.
Q. Do you place a hold on payroll checks?
A. No Ė the funds are available in your account immediately. This means you save time, as you donít need to cash your check before coming to the Credit Union. With direct deposit, you can save valuable time by avoiding the need to visit the Credit Union.
Q. Can I have my payroll check deposited directly into my Credit Union account?
A. Yes! Simply contact the Credit Union and/or your payroll department for more information.
Q. Will I have to close my account at the Credit Union if I leave my job or relocate?
A. Absolutely not! Remember, "Once a member, always a member"!
Q. How can I check my Credit Union deposits, checks cleared, and account balances during the day/or after hours?
A. By using 24 hour Teller-By-Touch, the Credit Unionís Audio Response System. The service is FREE and allows you access to your account(s) 24 hours a day, seven days a week. Call 340-774-9707.
Q. Where may I use my ATM card?
A. Your Credit Union ATM card is accepted at any outlet which displays the NYCE logo. To find an ATM near you that you can use, try our online ATM locators.
Q. How long do I have to be a member before I can apply for a loan?
A. There is no waiting period. As a matter of fact, you may become a member, and apply for a loan at the same time. You may complete our loan application online.
Q. What is my "PIN" number?
A. It is either a 4-digit number which you have selected or a random number assigned for your ATM or Debit card.
Q. What is the difference between a Credit Union and a Bank?
A. Credit Unions are not for profit cooperative financial institutions which generally have favorable interest rates or borrowing and savings programs as well as lower service fees.
Q. May recurring "bill segments" be debited from my account(s) at the Credit Union?
A. This can be done through our online bill paying service. Also, most merchants can set up recurring payments from your Share or Share Draft account(s).

Looking for the answer to a different question? Send us an e-mail and we will respond to your question promptly.

St. Thomas Federal Credit Union
5027 Norre Gade
St. Thomas VI 00802-6749

340-774-9707 Teller-By-Touch (24hr)
340-777-4785 Fax
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