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Credit union · NCUA insured

St. Thomas Federal Credit Union Savings Rates

St. Thomas Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Share (Savings) Account. Rates checked October 22, 2026.

How St. Thomas Federal Credit Union’s savings rates compare

Compared with banks and credit unions in United States Virgin Islands, where St. Thomas Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    St. Thomas Federal Credit Union

    0.50%APY

    Requires
    None
    Minimum
    —
    Earns on $10,000 a year
    $50

    Share (Savings) Account

  • Top Carrot, Carrot Score 96

    Top rate

    PenFed Credit Union

    2.70%APY

    Requires
    None
    Minimum
    $5
    Earns on $10,000 a year
    $270

    PenFed Credit Union rates

  • 3rd-highest rate

    Oriental Bank

    0.30%APY

    Requires
    Another account
    Minimum
    $1,000
    Earns on $10,000 a year
    $30

    Oriental Bank rates

Compare savings rates near you →

St. Thomas Federal Credit Union savings score

80

Savings score

Higher than 53% of U.S. banks and credit unions

By balance
  • $1,000 balance$1,0000.50%
  • $10,000 balance$10,0000.50%
  • $100,000 balance$100,0000.50%
  • QualifiedQualified0.50%

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.

How the score works →

Where St. Thomas Federal 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.

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This may be incomplete or out of date, so check with the credit union before you apply.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