Account Disclosures

We have provided copies of our account disclosures, for your convenience and reference. Simply click on one of the items below and you can read all the details and terms of our accounts. Please note, however, that some of the items vary depending on the specifics of the account you open. We have included these general disclosures for your reference, however additional information may be required, depending on the specific rates or terms of your accounts. Please see or  contact a member services representative for more information.

St. Thomas Federal Credit Union Website Privacy Notice


Our Online Privacy Practices

Keeping financial and personal information secure is one of our most important responsibilities.  St. Thomas Federal Credit Union is committed to protecting the information of our members and other visitors who use our website.  We value your trust and handle all personal information with care.  As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.

Secure Transmissions

To ensure information remains confidential, St. Thomas Federal Credit Union uses encryption technology such as Secure Socket Layer (SSL) to protect information you enter and submit from our website.

Email Security

Regular Internet email is not secure.  You should never provide information that is sensitive or confidential such as your social security number, account number, PIN, or even phone numbers through unsecured email.  We ask that you do not send personal or account Information through regular email.  St. Thomas Federal Credit Union provides a form for sending an email to which the credit union will respond to in a more secure manner, found under the “Contact Us” link on our website.


A cookie is a small piece of information that a website stores directly on the computer you are using.  Cookies may contain a variety of information from a simple count of how often you visit a website to information which allows customization of a website for your use.  St. Thomas Federal Credit Union uses cookies to gather data about the usage of our website and to ensure that you have access to your account information.  Anytime a cookie is used, personal information is encrypted for our use only and is protected from third party access (a cookie cannot be read by a website other than the one that sets the cookie). 

Linking to Other Sites

To provide you with easy access to information, St. Thomas Federal Credit Union may provide links to other websites such as mortgage companies, insurance companies, government agencies.  These links are provided as a convenience to our members.  We do not guarantee or endorse any of the content in these links, and St. Thomas Federal Credit Union does not represent either the third party or the member if the two enter into a transaction.  The privacy and security policies on these linked websites may differ from those practiced by St. Thomas Federal Credit Union.  We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.