Saint Paul, MN 55105
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Notable Rates APY Vs.Others
Savings N.A. 1.55% →
1-Year CD N.A. 1.35% →
2-Year CD N.A. 1.45% →
5-Year CD N.A. 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

St. Thomas Employee is an NCUA insured institution located in Saint Paul, MN. It was founded in 1949 and has approximately $3.59 millions in assets.

NCUA Insured Yes
Charter Number # # 5991
Date Established 1949
Assets $3.59 million
Loans $2.61 million
Deposits $3.16 million
Capital $0.43 million

Deposit Rates - June 5, 2020

Your Current Location: Connecticut, CT 06828

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Loan Rates - June 5, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for ST. THOMAS EMPLOYEE

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.019% 3.000% 0.25 $625 $1,055 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info

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Financial Details

St. Thomas Employee Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of St. Thomas Employee. 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 Employee U.S. Average
0.88% 5.92

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 September 30, 2019, St. Thomas Employee had $4,002 in non-current loans and $0 in owned assets. To cover these potential losses it had $434,922 in net worth and $22,336 in loans loss reserves. That gives it a Texas Ratio of 0.88%.

Net Worth
St. Thomas Employee U.S. Average
12.1% 13.86%

St. Thomas Employee FCU has a net worth of 12.1% versus the BestCashCow average of 13.86. 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 Employee

Branches and Savings

What is St. Thomas Employee?

A federal credit union, registered with the NCUA under certificate #5991.
Learn more about credit unions here.

Is St. Thomas Employee FDIC insured?

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

Who can join St. Thomas Employee?

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

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

St. Thomas Employee'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 Employee?

St. Thomas Employee has total capital of $0.43 million. Full information on St. Thomas Employee's financial position is located above.

Who owns St. Thomas Employee?

Credit Unions are owned by their members.

Where are St. Thomas Employee branches located?

See branch locations nearby.

Are St. Thomas Employee ATMs Open 24/7?

Do St. Thomas Employee ATMs accept cash deposits?

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

Does St. Thomas Employee have a mobile app?

Does St. Thomas Employee have mobile deposit?

Does St. Thomas Employee have quick pay?

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

Does St. Thomas Employee report to credit bureaus?

Does St. Thomas Employee use Chexsystems?

Does St. Thomas Employee use Equifax?

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

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What is the St. Thomas Employee address for deposits?

What Products Does St. Thomas Employee Offer

Does St. Thomas Employee offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does St. Thomas Employee offer auto and RV loans?

Compare auto loan rates here.

Does St. Thomas Employee offer student loans or personal loans?

Compare personal loan rates here.

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