St. Thomas


P.o. Box 1138
Charlotte Amali, VI 00804
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

St. Thomas is an NCUA insured institution located in Charlotte Amali, VI. It was founded in 1952 and has approximately $76.08 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 7970
Date Established 1952
Assets $76.08 million
Loans $30.66 million
Deposits $57.16 million
Capital $18.05 million

Field of Membership Restrictions

Membership is open to employees of the Government of the Virgin Islands Executive Branch and its Semi-Autonomous Agencies, employees of Federal Agencies in the Virgin Islands, and employees of other select area organizations.

Deposit Rates - April 11, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for St. Thomas

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Note to St. Thomas
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Loan Rates - April 11, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for ST. THOMAS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.775% 2.750% 0.38 $808 $1,021 Learn More
Morty, Inc.
NMLS ID: 1429243
2.706% 2.625% 0.63 $2,668 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to ST. THOMAS
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Below are St. Thomas branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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St. Thomas Locations

Financial Details

St. Thomas Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of St. Thomas. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
St. Thomas U.S. Average
0.62% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, St. Thomas had $113,947 in non-current loans and $0 in owned assets. To cover these potential losses it had $18,053,239 in net worth and $351,891 in loans loss reserves. That gives it a Texas Ratio of 0.62%.

Net Worth
St. Thomas U.S. Average
23.72% 12.67%

St. Thomas FCU has a net worth of 23.72% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About St. Thomas

Branches and Savings

What is St. Thomas?

A federal credit union, registered with the NCUA under certificate #7970.
Learn more about credit unions here.

Is St. Thomas FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. St. Thomas is insured by the NCUA.

Who can join St. Thomas?

Please see Field of Membership information above for information on who is eligible to join.

What are St. Thomas's share account and share certificate rates?

St. Thomas's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is St. Thomas?

St. Thomas has total capital of $18.05 million. Full information on St. Thomas's financial position is located above.

Who owns St. Thomas?

Credit Unions are owned by their members.

Where are St. Thomas branches located?

See branch locations nearby.

Are St. Thomas ATMs Open 24/7?

Do St. Thomas ATMs accept cash deposits?

Can St. Thomas customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does St. Thomas have a mobile app?

Does St. Thomas have mobile deposit?

Does St. Thomas have quick pay?

How can St. Thomas transfer money to other banks or credit unions?

Does St. Thomas report to credit bureaus?

Does St. Thomas use Chexsystems?

Does St. Thomas use Equifax?

What is St. Thomas's toll free phone number?

What is St. Thomas's ACH Routing Number?

What is St. Thomas's SWIFT code?

Where can I find St. Thomas's wire transfer form?

What is the St. Thomas address for deposits?

What Products Does St. Thomas Offer

Does St. Thomas offer mortgages?

Compare mortgage rates here.

Does St. Thomas offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does St. Thomas offer auto and RV loans?

Compare auto loan rates here.

Does St. Thomas offer student loans or personal loans?

Compare personal loan rates here.

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