Credit union · NCUA insured
St. Thomas Credit Union Credit Card Rates
Top CarrotSt. Thomas Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How St. Thomas Credit Union’s credit card rates compare
Compared with banks and credit unions near Nashville, TN, where St. Thomas Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
St. Thomas Credit Union
8.90%APR
- Up to
- 17.75% APR
Visa Credit Card
Lowest rate
Heritage South
8.90%APR
- Up to
- 18.00% APR
2nd-lowest rate
Outreach FCU
8.90%APR
- Up to
- —
St. Thomas Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where St. Thomas Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Share Secured Credit Card
Secured credit card; applications subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 5.00% | None | As low as APR. Rates are subject to change. Loan applications subject to credit approval. |
Sources (2)
All captured Oct 16, 2026
Visa Credit Card
Requires verification of pay. No annual fee. Pay off balance within 25-day grace period to owe no interest. No cash advance fee. Application fee $35.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90%–17.75% | None | Rate based on creditworthiness and term of loan. |
| Ongoing | 10.00%–17.75% | None | Available if you have had your credit card with STCU for at least one year; apply to raise limit or see if you can get a better rate. |
| Ongoing | 5.00%–17.75% | None | When you open your account, based on your creditworthiness. |
| Ongoing | 9.50% | None | As low as APR. Rates are subject to change. Loan applications subject to credit approval. |
Sources (2)
All captured Oct 16, 2026
Who can join St. Thomas Credit Union
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