St. Thomas Credit Union Charlotte Amalie VI | Affordable Auto Loans & Business Banking

Introduction

Welcome to St. Thomas, your trusted community credit union located at 5027 Norre Gade, Charlotte Amalie, VI 00802. Since our establishment in 1952, we have been dedicated to providing exceptional financial services and support to our 8,568 members. With total assets of $88,545,595 and total deposits amounting to $4,741,410, we are committed to helping you achieve your financial goals. At St. Thomas, we pride ourselves on being more than just a financial institution. We strive to be a cornerstone of the community, offering personalized banking solutions that cater to your unique needs. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing options, we have a wide range of services designed with you in mind. Under the leadership of our CEO, Keisha Richards, and Board President Clifford Graham, our dedicated team of 20 employees is here to ensure you receive friendly and efficient service every time you visit us. While members can conveniently reach out at our branch address, official correspondence should be sent to our mailing address: P.O. Box 1138, Charlotte Amalie, VI 00804-1138. Our commitment goes beyond numbers; with a net worth of $21,650,866 and cash in hand totaling $1,448,908, we are well-positioned to support your financial journey. We also offer numerous online banking features for your convenience. Come visit us or call us at 340-774-8865 during our lobby hours from Monday through Friday, 8:00 a.m. to 4:00 p.m., or for loan services until 3:30 p.m. Experience the difference with St. Thomas Credit Union today where community matters!

Branch History & Mission

Commitment to Our Community

At St. Thomas, we are dedicated not just to banking but also to uplifting our community. Through various outreach programs and partnerships with local organizations, we strive to make a meaningful impact in Charlotte Amalie. Our commitment is reflected in every service we offer from personal banking solutions like checking and savings accounts to business banking options tailored for local entrepreneurs. While members can visit us at 5027 Norre Gade, official correspondence should be sent to our mailing address: P.O. Box 1138, Charlotte Amalie, VI 00804-1138.

Join Us Today!

As we look toward the future, we invite you to join us on this journey. Experience the difference that comes from being part of a community-focused credit union where your needs truly come first. Discover how St. Thomas can help you achieve your financial dreams by visiting us or calling us at 340-774-8865 today! Let's build a brighter financial future together!

Member-Centric Services

In today's fast-paced world, we've embraced technology without losing sight of what matters most our members. With features like online banking and mobile access, managing your finances is easier than ever. Plus, we offer convenient ATM services for quick cash withdrawals whenever you need them. With operating hours from Monday to Friday, including specific hours for loans from 8:00 a.m. to 3:30 p.m., we're here when you need us most. Although we do not currently offer drive-thru services or shared service centers, our friendly team is always ready to assist you inside the branch.

Our Journey

Located at 5027 Norre Gade Charlotte Amalie, VI 00802, our branch has played a vital role in the local economy and community life. From our humble beginnings, we've steadily expanded our services to meet the diverse needs of our members. Today, with total assets exceeding $88,545,595, we stand as a pillar of strength and stability for those we serve. Our mission is simple yet profound: to empower our members through accessible financial services while fostering a sense of community. We believe that everyone deserves the opportunity to achieve their financial goals, whether that means buying a first home, securing an auto loan, or managing everyday expenses.

Branch Location & Accessibility

Welcome to St. Thomas, your friendly neighborhood credit union located at 5027 Norre Gade, Charlotte Amalie, VI 00802. Whether you're stopping by to manage your accounts or explore our financial services, our convenient location makes it easy for you to access everything you need. We're proud to be situated near local landmarks that add a touch of familiarity, making us a part of the vibrant community here in Charlotte Amalie. While members can visit us at 5027 Norre Gade, official correspondence should be sent to our mailing address at P.O. Box 1138, Charlotte Amalie, VI 00804-1138. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ample parking space to ensure everyone can visit us with ease. At St. Thomas, we understand that your time is valuable. That's why we are open Monday through Friday from 8:00 a.m. to 4:00 p.m. for lobby services and until 3:30 p.m. for our loan department. If you prefer banking on the go, we also offer an ATM on-site, so you can conveniently access cash whenever you need it. We take pride in providing a welcoming atmosphere where you can take advantage of a variety of services tailored just for you be it personal banking, auto loans, or mortgage refinancing. Our dedicated staff is always ready to assist with any questions or needs you may have. So why wait? Come visit us today or give us a call at 340-774-8865! We look forward to serving you and helping you achieve your financial goals right here at St. Thomas!

Member Eligibility

Joining the St. Thomas community means stepping into a world of support, services, and belonging. At St. Thomas, we believe everyone deserves access to financial resources that can empower their lives. To become a member, you'll find that eligibility is open to anyone who resides or works in the Virgin Islands, as well as those who have family members already part of our credit union family. This inclusive approach ensures that more people can benefit from our competitive rates and personalized service. If you're ready to take this exciting step, simply visit us at 5027 Norre Gade, Charlotte Amalie VI 00802 or give us a call at 340-774-8865 for more details on how to apply. For a detailed look at the eligibility criteria, feel free to check out this resource. Opening an account is straightforward and welcoming; you can start the process by visiting our account opening page. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we have not yet funded any commercial loans, we aim to provide tailored solutions that empower local entrepreneurs and established companies alike. Our focus is on understanding your unique needs and helping you achieve your business goals.

Merchant Services That Make a Difference

In today's fast-paced world, efficient payment processing can set your business apart. At St. Thomas, our merchant services enable you to accept payments seamlessly, whether online or in-store. Imagine providing your customers with various payment options while streamlining your cash flow this is what we strive to deliver. We want you to focus on what matters most: growing your business. If you're interested in exploring how our business banking services can benefit you, feel free to visit us at 5027 Norre Gade Charlotte Amalie Vi 00802 in Charlotte Amalie, VI or call us at (340) 774-8865. Together, let's build a brighter future for your business!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM & Cash Withdrawal Services ensure that you have access to your money whenever you need it. With ATMs conveniently located throughout the area, withdrawing cash is quick and hassle-free. At St. Thomas, we aim to be more than just a financial institution; we want to be a partner in your financial journey. If you're ready to explore how our services can benefit you, give us a call at (340) 774-8865 or visit us online at Sttfcu. Let's take the next step together toward achieving your financial goals!

Auto Loans & Vehicle Financing

Thinking about buying a car? Our Auto Loans & Vehicle Financing options make it simple. With flexible terms and competitive rates, we can help you get behind the wheel of your dream vehicle without breaking the bank. Picture yourself driving off in that new car with an affordable monthly payment that fits your budget.

Business Banking

For entrepreneurs and small business owners, we offer comprehensive Business Banking services including merchant services and business loans. We understand the challenges of running a business and are committed to providing solutions that help you thrive in today's market.

Credit Cards with Rewards

Our Credit Cards with Rewards program gives you the chance to earn points on everyday purchases. Whether you're shopping for groceries or planning a vacation, these rewards can add up quickly and turn into valuable perks for you.

Mortgage Loans & Refinancing

Homeownership is within reach with our Mortgage Loans & Refinancing services. Whether you're purchasing your first home or looking to refinance your existing mortgage for better terms, we offer personalized solutions to suit your financial goals. Our experienced team will guide you through the process, ensuring you understand every step along the way.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts from anywhere at any time. From checking balances to making transfers or paying bills, everything can be done right from your smartphone or computer.

Personal Banking

For those seeking reliable options for managing everyday expenses, our Personal Banking services include checking and savings accounts tailored to fit various lifestyles. Imagine having a checking account that offers easy online access and no monthly fees, allowing you to keep track of your spending effortlessly. Our savings accounts also provide competitive interest rates, helping you grow your savings over time.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or need to consolidate debt, our Personal Loans & Debt Consolidation options provide quick access to funds when you need them most. This service allows you to simplify your payments by combining multiple debts into one manageable loan with a single monthly payment.

Digital & Online Banking

At St. Thomas, we understand that your banking needs to fit into your busy lifestyle. That's why we offer a range of digital and online banking services designed to provide convenience, security, and easy access to your accounts anytime, anywhere. With our 24/7 online banking service, you can manage your finances from the comfort of your home or on the go. Simply visit us at https://stthomasfcu.com/ to check your account balances, transfer funds, or pay bills with just a few clicks. Our platform is user-friendly and secure, ensuring your information remains protected as you navigate your financial tasks. One of the standout features is our ability for person-to-person transfers. Whether you're splitting a bill with friends or sending money to family, transferring funds has never been easier. Plus, if you prefer keeping track of your statements electronically, we offer e-statements that let you view and manage your financial documents without the clutter of paper. For those who are always on their phones, our mobile application is here to help. You can download it easily and enjoy all the benefits of online banking right in your pocket. While we currently do not support mobile payments, our app still offers robust functionality for managing your accounts effectively. Additionally, while we don't have electronic signature authorization at this time, our services are designed to be straightforward and easy to use. Enjoy real-time account management and make informed decisions about your finances at any hour. Experience the future of banking with St. Thomas today! We're committed to providing tools that empower you to take control of your financial life efficiently and securely. Join us online at https://stthomasfcu.com/ and discover how easy banking can be!

Financial Strength

A Solid Foundation

With a net worth of $21,650,866, we demonstrate our strong financial health, enabling us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,442 illustrates a solid capital foundation, ensuring that we can continue providing loans and competitive savings rates even in uncertain economic times.

Efficient Operations

Our operational efficiency is reflected in our $1,274,138, which enables us to continue offering competitive loan rates and solid financial products for our members. We pride ourselves on having a dedicated team of 19 full-time employees and 1 part-time employees who are always ready to assist you.

Growing Together

We are proud to serve a growing member base with 12,896 total share accounts, showcasing the trust that our community places in us. Our net shares available for lending stand at $0, which further strengthens our capacity to meet your needs. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, St. Thomas is your trusted partner. Visit us at 5027 Norre Gade Charlotte Amalie Vi 00802 or call (340) 774-8865 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Your savings are secured through $2,927,276 in share certificates, offering stable and rewarding financial growth opportunities. While we prioritize our members, it's important to note that we also manage non-member deposits amounting to $0. This focus allows us to channel resources back into benefits for you through better loan rates, lower fees, and exclusive perks.

Reinvesting in Your Future

With $20,247,827 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to better serve our members. Our lending capacity is robust; we hold $69 in used auto loans and $37,109,841 across total loans and leases, supporting your financial goals across various sectors.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $915,992 in used vehicle loans and $12,567,790 in new vehicle loans already helping members get on the road. We provide flexible terms and quick processing to make your car buying experience as smooth as possible.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $0, make buying or refinancing simple. We can help you navigate through the mortgage process with ease, ensuring you find the right fit for your financial situation.

Other Financial Options

In addition to auto and mortgage loans, we offer credit lines totaling $1,500,000, which give you access to funds when you need them most. This flexibility allows you to manage unexpected expenses without hassle. Whether you're considering refinancing or exploring eligibility options for any of our products, our team is here to guide you every step of the way. For further information or to apply for a loan, please visit us at our branch located at 5027 Norre Gade Charlotte Amalie Vi 00802 in Charlotte Amalie, VI. You can also reach us at (340) 774-8865 during our operating hours from Monday through Friday, 8:00 AM - 4:00 PM for lobby services and until 3:30 PM for loan department inquiries. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you turn your aspirations into reality!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. Our credit cards come with various benefits to assist you in everyday spending while keeping your finances on track.

Loan Aggregator

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St Thomas