Credit union · NCUA insured
St. Thomas Credit Union Savings Rates
Top CarrotSt. Thomas Credit Union’s best savings rate is 1.61% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How St. Thomas Credit Union’s savings rates compare
Compared with banks and credit unions near Nashville, TN, where St. Thomas Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Thomas Credit Union
1.61%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $161
Money Market
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Republic Bank
3.75%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $375
St. Thomas Credit Union savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0000.07%
- $10,000 balance$10,0001.61%
- $100,000 balance$100,0002.78%
- QualifiedQualified1.61%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where St. Thomas Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
Up to 1.61%APY
Minimum of $25.00 in account maintains credit union membership. Minimum balance of $5,000.00 needs to be maintained each day to obtain the disclosed APY and for it to be an interest-earning account. 6 free withdrawals or transfers per month. Dividends calculated by daily balance method and posted monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 and upTier rate applies to balance >= $5,000. | 1.51% | $151 | Tier rate applies to balance >= $5,000. |
| $10,000 and upTier rate applies to balance >= $10,000. | 1.61% | $161 | Tier rate applies to balance >= $10,000. |
| $25,000 and upTier rate applies to balance >= $25,000. | 1.76% | — | Tier rate applies to balance >= $25,000. |
| $50,000 and upTier rate applies to balance >= $50,000. | 1.81% | — | Tier rate applies to balance >= $50,000. |
| $75,000 and upTier rate applies to balance >= $75,000. | 2.02% | — | Tier rate applies to balance >= $75,000. |
| $100,000 and upTier rate applies to balance >= $100,000. | 2.78% | — | Tier rate applies to balance >= $100,000. |
| $200,000 and upTier rate applies to balance >= $200,000. | 3.04% | — | Tier rate applies to balance >= $200,000. |
| $300,000 and upTier rate applies to balance >= $300,000. | 3.56% | — | Tier rate applies to balance >= $300,000. |
Sources (3)
- stthomascreditunion.com/accountrates
- stthomascreditunion.com/loan-rates
- stthomascreditunion.com/savings
All captured Oct 16, 2026
Share Savings
0.07%APY
$25.00 minimum balance maintains credit union membership. 1 free withdrawal per month. Restricted Debit Cards are available. Dividends calculated by the daily balance method and posted quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum of $100 in account to earn interest.$100 and up | 0.07% | $7 | Minimum of $100 in account to earn interest. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Youth Share Savings
0.07%APY
Available for youth accounts (ages 0-23). For ages 0-17, requires an adult joint owner and parental controls. Minimum $100 balance required to receive interest. $25 minimum deposit to open account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,000Must have a minimum balance of $100 to receive interest. | 2.00% | — | Must have a minimum balance of $100 to receive interest. |
| $2,000 and upRegular rate applied on balances over $2,000. | 0.07% | $7 | Regular rate applied on balances over $2,000. |
Sources (2)
All captured Sep 18, 2026
Christmas Club
0.01%APY
Funds disbursed in November. Enrolling in November recommended. Early withdrawal allowed for a fee. Dividends calculated by daily balance method and posted quarterly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (2)
All captured Sep 18, 2026
Rainy Day Club
0.01%APY
$10 minimum balance required to maintain account. Withdrawals limited to three per calendar year; penalty for excess withdrawals is $25. Dividends calculated by daily balance method and posted quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum $10 balance.$10 and up | 0.01% | $1 | Minimum $10 balance. |
Sources (2)
All captured Sep 18, 2026
Vacation Club
0.01%APY
$10 minimum balance required to maintain account. Withdrawals limited to three per calendar year; penalty for excess withdrawals is $25. Dividends calculated by daily balance method and posted quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum $10 balance.$10 and up | 0.01% | $1 | Minimum $10 balance. |
Sources (2)
All captured Sep 18, 2026
Who can join St. Thomas Credit Union
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