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Credit union · NCUA insured

St. Thomas Federal Credit Union Auto Loan Rates

St. Thomas Federal Credit Union auto loan rates start at 3.00% APR. Rates checked October 22, 2026.

How St. Thomas Federal Credit Union’s auto loan rates compare

Compared with banks and credit unions in United States Virgin Islands, where St. Thomas Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.

  • This credit union’s lowest

    St. Thomas Federal Credit Union

    – –

    Terms
    —
    Discount
    —

    No ongoing APR published

  • Top Carrot, Carrot Score 96

    Lowest rate

    PenFed Credit Union

    3.84%APR

    Terms
    up to 60 months
    Discount
    None included

    PenFed Credit Union rates

  • 2nd-lowest rate

    Mid-Island FCU

    4.00%APR

    Terms
    —
    Discount
    Included in the rate

    Mid-Island FCU rates

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Current auto loan rates

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.

Who can join St. Thomas Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.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.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
← St. Thomas Federal Credit Union overview