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St Thomas Credit Union

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St Thomas Credit Union Rates & Review March 2026

Q: How many branches does St Thomas Credit Union operate?

St Thomas Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join St Thomas Credit Union?

Yes, to access services at St Thomas Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, St Thomas Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, St Thomas Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare St Thomas Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.25%, 6-month share certificate rates at 3.53% and 3-month share certificate rates at 0.30%. Savings rates are at 0.01% and money market rates are at 0.92%. Mortgage rates on 30-year fixed loans are around 6.03%. All these rates can be compared to St Thomas Credit Union rates. MonitorBankRates evaluates the financial stability of St Thomas Credit Union with a 4.0 Star Rating, an C Overall Health Grade, and a Texas Ratio of 27.32%. Rates were last updated on 03/29/2026.

St Thomas Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at St Thomas Credit Union? Share your experience about St Thomas Credit Union by leaving a review below, or read customer reviews before you decide to use St Thomas Credit Union.

Overall Health & Safety Grade

Average Health Score: 76/100

MonitorBankRates Rating

4.0

Very Good Out of 5.0 Stars

Texas Ratio

27.32%

Good Higher than avg

St Thomas Credit Union
STCU MAIN OFFICE

4230 Harding Pike Ste 103
Nashville, TN 37205

https://www.stthomascu.org

Current Rate Availability

We do not have St Thomas Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for St Thomas Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather St Thomas Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with St Thomas Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name St Thomas Credit Union

Website https://www.stthomascu.org

Address 4230 Harding Pike Ste 103, Nashville, TN 37205

Phone 615-292-7828

Fax 615-463-2741

President John Raphael

CEO William Dunn

Full-Time Employees 9

Part-Time Employees 1

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.0 / 5.0 ★

Overall Health & Safety Grade

C (76/100)

Texas Ratio

27.32%

Return on Assets (ROA)

0.5085%

Return on Equity (ROE)

4.4240%

Non-Performing Loans Ratio (NPL)

4.30%

Total Assets

38,842,959

Total Amount of Shares and Deposits

33,985,536

Total Shares and Deposits < 1 Year

33,206,148

Total Shares and Deposits 1 3 Years

779,388

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,495,587

Total Uninsured Shares and Deposits > $250K (F+J)

3,574,694

Total Insured Shares and Deposits > $250K (item 17 less item K)

30,410,842

Total Interest Expense (Sum of items 6 8)

478,771

Share Certificates

175

Number of Accounts for Share Drafts

1,096

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,436

All other shares

469

Non Member Deposits

Money Market Shares

101

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,714,662

Total Liabilities

34,378,502

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About St Thomas Credit Union

Is St Thomas Credit Union a safe place to deposit money?

Yes, St Thomas Credit Union is considered a safe financial institution. With a Texas Ratio of 27.318708635787%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does St Thomas Credit Union operate?

St Thomas Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join St Thomas Credit Union?

Yes, to access services at St Thomas Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, St Thomas Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, St Thomas Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does St Thomas Credit Union offer online and mobile banking?

Most modern institutions like St Thomas Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.stthomascu.org.