St. Thomas Credit Union
Verified rate book
Current St. Thomas Credit Union rates
38 published offers verified as of August 4, 2026.
Auto & vehicle rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loanauto | 4.990% APR | 4.990% | — | Standard |
| Boat Loanboat | 6.990% APR | 6.990% | — | Standard |
| Motorcycle Loanmotorcycle | 6.990% APR | 6.990% | — | Standard |
| RV Loanrv | 6.990% APR | 6.990% | — | Standard |
Personal loan rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Certificate-Secured Loanpersonal_secured | 3.000% APR | 3.000% | — | Standard |
| Home Improvement (fixture filing)personal | 9.000% APR | 9.000% | — | Standard |
| Signature Loanpersonal_unsecured | 9.500% APR | 9.500% | — | Standard |
| Single Payment Loanpersonal | 10.000% APR | 10.000% | — | Standard |
| Overdraft Line of Creditpersonal | 17.500% APR | 17.500% | — | Standard |
Credit card rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share Secured Credit Cardcredit_card_secured | 5.000% APR | 5.000% | — | Standard |
| Credit Cardcredit_card | 9.500% APR | 9.500% | — | Standard |
Savings & CD rates
26 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Rainy Day Clubsavings | 0.01% APY | 0.01% | — | Standard |
| Savingssavings | 0.07% APY | 0.07% | — | Standard |
| IRA Accumulativeira | 1.50% APY | 1.50% | — | Standard |
| Money Market ($5,000 min.)money_market | 1.50% APY | 1.50% | — | Standard |
| Money Marketmoney_market | 1.50% APY | 1.50% | — | Standard |
| Money Marketmoney_market | 1.60% APY | 1.60% | — | Standard |
| Money Marketmoney_market | 1.75% APY | 1.75% | — | Standard |
| Money Marketmoney_market | 1.80% APY | 1.80% | — | Standard |
| Youth Share Savingsshare_savings | 2.00% APY | 2.00% | — | Eligibility restricted |
| Money Marketmoney_market | 2.00% APY | 2.00% | — | Standard |
| Money Marketmoney_market | 2.75% APY | 2.75% | — | Standard |
| CDs & IRAs (6 mos.)ira_cd_6mo | 3.00% APY | 3.00% | 6 mo | Standard |
| Money Marketmoney_market | 3.00% APY | 3.00% | — | Standard |
| Certificate Deposit (Interest posted at maturity) $1,000 Minimum (6 mos.)share_certificate_6mo | 3.05% APY | 3.05% | 6 mo | Standard |
| CDs & IRAs (12 mos.)ira_cd_12mo | 3.15% APY | 3.15% | 12 mo | Standard |
| Certificate Deposit (Interest posted at maturity) $1,000 Minimum (12 mos.)share_certificate_12mo | 3.20% APY | 3.20% | 12 mo | Standard |
| CDs & IRAs (24 mos.)ira_cd_24mo | 3.25% APY | 3.25% | 24 mo | Standard |
| Certificate Deposit (Interest posted at maturity) $1,000 Minimum (24 mos.)share_certificate_24mo | 3.30% APY | 3.30% | 24 mo | Standard |
| CDs & IRAs (36 mos.)ira_cd_36mo | 3.30% APY | 3.30% | 36 mo | Standard |
| CDs & IRAs (48 mos.)ira_cd_48mo | 3.35% APY | 3.35% | 48 mo | Standard |
| Certificate Deposit (Interest posted at maturity) $1,000 Minimum (36 mos.)share_certificate_36mo | 3.35% APY | 3.35% | 36 mo | Standard |
| CDs & IRAs (60 mos.)ira_cd_60mo | 3.40% APY | 3.40% | 60 mo | Standard |
| Certificate Deposit (Interest posted at maturity) $1,000 Minimum (48 mos.)share_certificate_48mo | 3.40% APY | 3.40% | 48 mo | Standard |
| Certificate Deposit (Interest posted at maturity) $1,000 Minimum (60 mos.)share_certificate_60mo | 3.45% APY | 3.45% | 60 mo | Standard |
| Money Marketmoney_market | 3.50% APY | 3.50% | — | Standard |
| Youth Shares Certificate Deposit (Interest Posted at Maturity) $500 Minimumcd_12mo | 4.00% APY | 4.00% | 12 mo | Eligibility restricted |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Helping Hand Loanother | 18.000% % | 18.000% | — | Standard |
Vehicle loans available from 4.99% APR. Personal loan rates from 3% APR. Credit card rates from 5% APR. Savings and certificate yields up to 3.50% APY.
Source: RateAPI.dev, verified from St. Thomas Credit Union's official website
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About St. Thomas Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 2.4K
- Assets
- $38.3M
- Founded
- 1959
- Locations reported
- 1
- NCUA charter
- 68071
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Who Can Join St. Thomas Credit Union
Membership eligibility from St. Thomas Credit Union's own published criteria. How we verify this.
Membership criteria are published on St. Thomas Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from St. Thomas Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does St. Thomas Credit Union offer?
St. Thomas Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are St. Thomas Credit Union rates updated?
RateAPI verifies St. Thomas Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get St. Thomas Credit Union's rate data?
Rate data is collected directly from St. Thomas Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are St. Thomas Credit Union's auto, rv, boat & motorcycle loan rates?
As of August 4, 2026, St. Thomas Credit Union offers vehicle loans from 4.99% APR.
What is St. Thomas Credit Union's personal loan rate?
As of August 4, 2026, St. Thomas Credit Union offers personal loans from 3% APR.
What is St. Thomas Credit Union's best CD rate?
As of August 4, 2026, St. Thomas Credit Union offers savings and certificate (CD) yields up to 3.50% APY.
Related Rate Data
Compare St. Thomas Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for St. Thomas Credit Union
curl "https://api.rateapi.dev/credit-unions/tennessee/st-thomas" \
-H "Authorization: Bearer YOUR_API_KEY"