Life in the Virgin Islands is beautiful, but it’s not paradise all the time. It’s early mornings and long days and taking care of everybody else before you even think about yourself. It’s working hard in a place where the cost of living is 30% higher than the U.S. mainland while the rest of the world flies here just to have the experience you live every single day.
You need to rest. You deserve to go somewhere and recharge your batteries. Maybe a cruise, or a trip back home to see family. A long weekend somewhere new with people you love. Or, maybe just somewhere quiet, by yourself, where nobody needs anything from you for a few days.
That’s not a luxury. That’s called being human.
The problem is, when money gets tight, vacation is usually the first thing that gets crossed off your to-do list. And in today’s economy, it’s getting crossed off a lot. The cost of flights, hotels and even just getting out of your routine can feel impossible to justify when the bills are stacking up and the budget is stretched thin.
The team at St. Thomas FCU believes every member deserves to enjoy their life, not just survive it. And that’s exactly why we offer vacation loans.
Here’s how a vacation loan works: You can borrow between up to $3,000 at an APR as low as 8%, and repay it over up to 24 months in one fixed, predictable payment. No surprises. No rate jumps. Just a simple plan that lets you book the trip now and pay it off comfortably over time. The best part is, the funds are deposited directly to your account for convenient use.
And unlike booking a vacation on a high-interest credit card, which can quietly turn a $1,500 trip into a two-year debt spiral, a vacation loan from STTFCU gives you a clear start date and a clear end date. You know exactly what you owe and exactly when it’s done.
STTFCU has been part of this community since 1952. We’ve been here through everything. And we know that our people don’t just work hard… they work hard. This loan is our way of saying: “You’ve earned a break. Go enjoy it.”
Vacation loans are available year-round. You can apply online or visit us in person, whichever works best for you. Our team is ready to help you move through the process smoothly so you can get your funds and pack your bags!
*Loans subject to credit approval. Restrictions may apply. Rates and terms may change.