Membership

Your membership is rewarded at every turn

Throughout life’s journey, our credit union will help you achieve your financial goals. We’ll be there, if you need financial counseling, assistance with online banking, or help choosing the right loan to meet your borrowing needs. Our team of financial counselors is available to assist. Become a member or contact us today and find out how you can begin accessing the benefits of our credit union. Let our team of financial experts help you achieve your financial goals.

Share Draft/Checking Accounts

St. Thomas Federal Credit Union now offers share draft/checking accounts. This places the convenience of writing checks at your fingertips. In just three easy steps you can open one:

Open share draft account
Select Check Style
Checks delivered to you!

Share Deposits

Payments can be made by automatic payroll deduction, direct deposit, certified or personal check, money order, or cash. A member must maintain a minimum of $50.00 in shares to keep their account open.

Joint Accounts

St. Thomas Federal Credit Union now offers joint accounts that more than one person can open. Each individual has the right to deposit and withdraw funds

Share Accounts

St. Thomas Federal Credit Union offers single named accounts that are opened with just one name.

Each savings account is insured up to $250,000.00 by the National Credit Union Administration and backed by the full faith and credit of the United States Government.

Share (Savings) Withdrawals

Share withdrawals can be made at any time by telephone, using our 24hr. CU*Talk services, Debit Card (ATM), or by visiting the Credit Union office.

When using CU*Talk, a member must have a pin number in order to access his or her account.

If a member is making a share withdrawal in the amount of $2,500.00 or more, Management must be informed immediately.

A Few of Our Clubs

Carnival Club

New to Credit Union Members, is our Carnival Club. With this club you can enjoy the festivities, pay bills, or take that much needed trip with what you have saved.

Carnival Clubs can be opened anytime throughout the year. Contact us for more details.

African american couple sharing drinks on beach

Vacation Club

Have you ever dreamed about sailing on one of those luxury cruise lines? Well stop dreaming, and make it a reality.

St. Thomas Federal Credit Union has an established Vacation Club for those members that are interested in making their dreams a reality or simply for the purpose of additional savings.

Vacation Clubs can be opened anytime throughout the year. Contact us for more details.

Education Club

Education is the key to ultimate success. Recognizing this important factor, the Credit Union established an Education Club for members that are interested in preparing for their children's continued education or the purpose of additional savings.

Education Clubs can be opened anytime throughout the year. Contact us for more details.

Christmas Club

Get into the spirit of giving during this holiday season by joining the Christmas Club.

Christmas Clubs can be opened at anytime throughout the year. Contact us for more details.

All Purpose Club

Saving for a special occasion, such as a wedding or that anniversary dinner? The All Purpose Club can be opened at any time throughout the year. Contact us for more details.

It'sMe247 Online Banking

With our Internet Teller, you can keep in touch with your credit union accounts any time, from any place life takes you! If you have a computer and a connection to the Internet, you can use Internet Teller to check balances, transfer money, and stay connected with your credit union accounts around the clock.

Apply for a Loan

Pay Bills Online

Learn About Bill Pay

Transfer Funds

View Account Balances

Search for Cleared Checks

View Transactions

Junior Savings Accounts

St. Thomas Federal Credit Union designed a Junior Savings Account to help provide members with the opportunity to build a savings account for children ages 0-17.

Dividends are paid on a monthly basis to those accounts that have a minimum of $10.00. The dividend rate is determined by the Credit Union's earnings and is not guaranteed.

Each Junior Savings Account is insured up to $250,000.00 by the National Credit Union Administration and backed by the full faith and credit of the United States Government.

Share Certificates

St. Thomas Federal Credit Union offers share certificates. Our rates are competitive and can be obtained from the staff by calling 340-774-1299, or by visiting our office. We look forward to doing business with you.

Share Rates

Interest on Shares (Annual Percentage Yield)

The Credit Union pays a dividend on a monthly basis, compounded daily. The rate of dividend that is paid at any period is determined by the earnings of the Credit Union; therefore, no rate of dividend is guaranteed.

The current dividend rate being paid on share and club accounts is 0.50% or 0.501% APY (Annual Percentage Yield).

The minimum balance required to earn APY is $10.00.

ATM & Debit Cards

Instead of writing a check, use your St. Thomas Federal Credit Union debit card!

Instead of writing a check, use your St. Thomas Federal Credit Union debit card! It looks like a credit card and is accepted like a credit card, but the transaction amount is automatically withdrawn from your share draft (checking account). That means no bill to worry about at the end of the month!

Use your debit card anywhere around the world where MasterCard is accepted. It is easier to use and more widely accepted than writing a check and is safer than carrying cash. The debit card also works as an ATM card and can be used to get cash.

Please visit our office for additional information or call us today.

If you believe your debit card has been lost or stolen, please let us know immediately. Please call 340-774-1299 during regular business hours or 888-263-3370 after hours.

Other Services

The Credit Union offers its members many services to save you time and money. Also, we are constantly on the lookout for new products and services that may be of use to you. Some of the extra services we offer are:

Payroll Deduction
Here's a painless way to save money plus make loan payments. With payroll deduction, you can arrange to have any portion of your paycheck sent to the credit union for deposit into any account you choose automatically before you spend it.

Direct Deposit of Net Pay
Eliminate trips to the credit union and waiting in line to cash paychecks! Your entire pay is automatically deposited into your account via electronic funds transfer and available for use on payday.

CU*Talk
Manage your money around the clock from your home or office or anywhere you have access to a touch-tone phone. With our 24-hour CU*Talk system you can get account balances, find out if checks have cleared, transfer funds, request a check withdrawal and so much more.

Learn More About CU*TALK

Additional Services

Direct Deposit of Social Security, Pension, and Recurring Government Checks

Notary Service

Text Banking

Account to Account Transfers (A2A)

VIYA Payment Acceptance Vendor

CONTACT THE CREDIT UNION