Put Your Money to Work with St. Thomas FCU Certificates

Share (Savings): This is a flexible account. Deposit and withdraw as needed; the rate can change.
Certificate: This account is more “set it and forget it.” Your money stays put for the term; the rate is fixed and typically higher than regular savings.

Minimums can vary by Certificate term. Stop by or call and we’ll share today’s options and opening amounts.

Most Certificates don’t allow additional deposits during the term. If you’ll want to add steadily, ask us about opening multiple Certificates or pairing a Certificate with a Share (Savings) account and scheduling transfers.

You can request an early withdrawal, but early-withdrawal penalties generally apply and may reduce earnings and/or principal. We’ll explain the exact penalty before you decide.

The term (e.g., a number of months) is chosen at account opening. When the Certificate matures, you can renew into a new Certificate (often automatically unless you tell us otherwise), or transfer the funds to your Share (Savings) or Share Draft (Checking).

Dividends are credited according to the Certificate’s terms (e.g., monthly or at maturity). We can help you choose the option that best fits your plan.

Yes. Deposits at STTFCU are federally insured by the NCUA up to $250,000 per depositor, per institution.

Consider building what we call a “Certificate Ladder.” That’s where you open multiple Certificates with staggered maturities so dividends are paid on a schedule (e.g., every few months).

Transfer from your STTFCU accounts, bring funds to the branch or move money from another institution. We make it simple for you!

Lock in a steady rate and watch your money grow at the credit union serving St. Thomas since 1952.