Seasonal Loans at a glance:
- APR as low as 8%
- Borrow from $500 - $3,000
- Repay in up to 24 months
*Loans subject to credit approval. Restrictions may apply. Rates and terms may change.
Our members love Seasonal Loans because:
- They’re budget-friendly: You have one set payment with no surprise rate jumps
- You can plan with confidence: You’ll feel more comfortable booking your vacation, picking out your J'Ouvert costume, buying Christmas presents, etc., knowing your payoff date
- They’re fast & simple: Apply online! And our team is happy to help if you want a hand
Carnival Loan: Celebrate Culture with Confidence
The Carnival season is a vital celebration of our culture and community, so don’t let expenses dim the fun! STTFCU Carnival Loans give you a simple, reliable way to turn the spirit of Carnival into reality.
With a fixed rate and a fixed term that fits your budget, this loan makes it easier to find the perfect costume, enjoy Carnival Villageto the fullest and celebrate with confidence without missing a beat.
Carnival Loans are available annually from February – April.
Vacation Loans: Make That Trip Happen
Even in an island paradise, everyone deserves a break. Whether it’s a cruise, a stateside visit or a quick island hop, STTFCU Vacation Loans give you a simple way to turn plans into tickets: With a fixed rate, a fixed term and a payment that fits your budget.
For many members, a vacation loan’s fixed rate can be lower than carrying a balance on a credit card, making it easier to plan and stay on budget.
Vacation Loans are offered year-round.
Invest in Learning with an Education Loan
Investing in education is investing in your family and your community’s future. Whether you are funding tuition, back-to-school costs like computers and books for your children or pursuing your own continuing education, STTFCU Education Loans give you a simple, structured way to turn learning goals into achievements.
For many members, securing an education loan with a fixed rate and term is a smarter way to manage these important expenses, as opposed to tapping into general savings or using high-interest alternatives.
Education Loans are offered year-round.
Have a Worry-Free Holiday with a Christmas Loan!
With a Christmas Loan from St. Thomas FCU, you can enjoy the magical moments of the holiday season, like gifts, decorations, family gatherings and holiday travel, without worrying about money.
A Christmas Loan is a smarter alternative to high-interest credit cards, which can lead to big debt and oversized monthly payments. Plus, you can pair a Christmas Loan with a Christmas Club account and save a good amount of money for next year’s holidays!
Christmas Loans are available from October 1 – December 31.
Become a member, then apply online!
Online
Stay connected to your accounts at anytime
In Person
Allen A. Canton Building
5027 Norre Gade
St. Thomas, VI 00802-6749
By Phone
Call 1-340-774-1299