St. Thomas Credit Union
Verified rate book
Current St. Thomas Credit Union rates
7 published offers verified as of August 4, 2026.
Auto & vehicle rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Used Auto Loanauto_used | 3.000% APR | 3.000% | used | Standard |
| New Auto Loanauto_new | 3.000% APR | 3.000% | new | Standard |
Personal loan rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share-Secured Loanpersonal_secured | 4.000% APR | 4.000% | — | Standard |
| Relief Loanpersonal | 4.000% APR | 4.000% | — | Standard |
| Seasonal Loans: Carnival, Vacation, Education, Christmaspersonal | 8.000% APR | 8.000% | — | Standard |
| Credit Repair Loanpersonal | 18.000% APR | 18.000% | — | Standard |
| Payday Loanpersonal | 25.000% APR | 25.000% | — | Standard |
Auto loans available from 3% APR. Personal loan rates from 4% APR.
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
- 9K
- Assets
- $89.1M
- Founded
- 1952
- Locations reported
- 2
- NCUA charter
- 7970
- Charter type
- Federal credit union
Services and member support
- Online loan application
- Electronic statements
- Mobile check deposit
- Financial counseling
- Financial education
- Bilingual services
- Student scholarships
- Payday Alternative Loans I
- Payday Alternative Loans II
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join St. Thomas Credit Union
Membership eligibility from St. Thomas Credit Union's own published criteria. How we verify this.
Membership via employers (Virgin Islands Government +6 more) or the V.I. Taxi Association +1 more or occupations (Virgin Islands public-sector employee)
- EmployerVirgin Islands Government, Water & Power Authority, Port Authority, Housing Authority, University of the Virgin Islands, VI Lottery, U.S. Postal Service
- AssociationV.I. Taxi Association, Thomasville Cooperative Corporation
- OccupationVirgin Islands public-sector employee
Verified from St. Thomas Credit Union's membership page. Final membership determination is always made by the credit union.
Work at St. Thomas Credit Union?
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Frequently Asked Questions
What rates does St. Thomas Credit Union offer?
St. Thomas Credit Union currently offers Auto loan, and personal loan 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 loan rates?
As of August 4, 2026, St. Thomas Credit Union offers auto loans from 3% APR.
What is St. Thomas Credit Union's personal loan rate?
As of August 4, 2026, St. Thomas Credit Union offers personal loans from 4% APR.
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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View MethodologyTrack St. Thomas Credit Union rates
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Use it via API
Access this data programmatically with our REST API
# Get rates for St. Thomas Credit Union
curl "https://api.rateapi.dev/credit-unions/virgin-islands/st-thomas" \
-H "Authorization: Bearer YOUR_API_KEY"