Credit union · NCUA insured
St. Thomas Federal Credit Union
A $89.1M credit union headquartered in Charlotte Amalie, VI, with 8,995 members and 1 branch in U.S. Virgin Islands. Best rates: savings 0.50% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- Savings800.50%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About St. Thomas Federal Credit Union
St. Thomas Federal Credit Union is a member-owned, not-for-profit financial institution founded in 1952.
The credit union is headquartered in St. Thomas, U.S. Virgin Islands.
- Headquarters
- 5027 Norre Gade, Charlotte Amalie, VI 00802-6749
- NCUA charter
- 7970
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of qualifying associations or cooperatives are eligible for membership.
- Employees of participating employers (Select Employer Groups) across various industries who work in or are paid from St. Thomas or St. John are eligible for membership.
Military, government and schools
- Virgin Islands public-sector employees in St. Thomas or St. John, including employees of the VI Government and key authorities/agencies, are eligible for membership.
- Federal employees of the U.S. Postal Service working in St. Thomas or St. John are eligible for membership.
Family and household
- Spouses of persons who died while within the field of membership, retirees/pensioners from eligible employers, immediate family or household members of eligible members, and organizations of such persons are eligible for membership.
Cost to join
- Opening an account requires a $50 minimum deposit, with a minimum daily available balance of $5 to avoid fees and earn APY.
Branches
1 branch in U.S. Virgin Islands
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U.S. Virgin Islands
1 branch
- SttfcuMain office5027 Norre Gade, Charlotte Amalie, VI 00802Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 23.49% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.89% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.60% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $56 | $59 | — |
- CapitalNet worth ratio23.49%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.89%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.60%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$56Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of St. Thomas Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.