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Reach Your Financial Goals with St. Thomas FCU Clubs

St. Thomas FCU Clubs are like special savings accounts with a specific purpose. Pick a goal, name your club and watch your balance grow with a little help from your hometown credit union. Exclusive to our members, clubs make it easier, and more fun, to plan for what matters most to you.

How STTFCU Clubs Work

  • Choose your goal: Carnival, vacation, school costs, holidays… or anything else you’re saving for.
  • Join your club: You can join more than one and clubs can be opened anytime during the year!
  • Make it automatic: Set up regular deposits (online transfers, direct deposit splits or in-branch deposits).
  • Watch it grow: Track progress online or in the STTFCU app and celebrate each milestone.
  • Use your funds when you’re ready: We’ll help you access your savings for your big moment.

*Details like dividends, withdrawal options and disbursement methods can vary by club. Visit or call us for specifics, and we’ll match the club setup to your goal.

Carnival Club

Celebrate without the scramble. Use your Carnival Club to plan outfits, travel and festivities, so  you’re stress-free when the season arrives.

Education Club

Invest in futures, big and small. An Education Club can help with supplies, tuition, certifications, or continuing education (yours or your child’s).

All-Purpose Club

Weddings, anniversaries, home projects, etc. If it matters to you, it matters to us. The All-Purpose Club is your flexible goal account for life’s special moments.

Vacation Club

Turn “one day” into departure day. A Vacation Club helps you set aside funds for cruises, getaways, or a quick island hop, on your timeline.

Christmas Club

Step into the season ready. A Christmas Club lets you spread holiday costs across the year so December feels joyful, not stressful.

Today’s Dividend Snapshot

We pay dividends monthly and compound daily. Dividend rates are based on the credit union’s earnings and aren’t guaranteed.

  • Current dividend on Share & Club accounts: 0.50% ( 0.501% APY )
  • Minimum daily balance to earn APY: $10.00

Why Joining a STFCU Club Makes Perfect Cents:

  • Goal-focused: Give your savings a name and a purpose.
  • Flexible: Open year-round; create multiple clubs for different goals.
  • Easy to fund: Regular deposits by transfer, direct deposit split or in-branch.
  • Member-only advantages: These clubs are open only to STTFCU members, so apply and join the fun!

Ready to Join the Club?

Join the credit union built by and for the Islands, and start your next goal with confidence.

Online

Stay connected to your accounts at anytime

Open An Account

In Person

Allen A. Canton Building
5027 Norre Gade
St. Thomas, VI 00802-6749

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By Phone

Call 1-340-774-1299

Call Today