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St Thomas Credit Union

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St Thomas Credit Union Rates & Review September 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 and Verified: September 23, 2026

St Thomas Credit Union's Personal Loan Rates are as low as 9.50%. St Thomas Credit Union's Credit Card Rates are at 9.50%. MonitorBankRates evaluates the financial stability of St Thomas Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.87%. Rates last updated and verified on 09/23/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.87%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

St Thomas Credit Union
STCU MAIN OFFICE

4230 Harding Pike Ste 103
Nashville, TN 37205

https://www.stthomascu.org

St Thomas Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Vehicle Loans	-	-	4.49%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.87%

St Thomas Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boat Loans	-	6.49%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.87%
RV Loans	-	6.49%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.87%

St Thomas Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	9.50%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.87%

St Thomas Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured (Signature Loans)	9.50%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.87%

St Thomas Credit Union Other Rates

Product	Rate	Points	APY/APR
Helping Hand Loan	-	-	18.00%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.87%
Home Improvement (fixture filing) Loan	-	-	9.00%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.87%
Single Payment Loan	-	-	10.00%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.87%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

St Thomas Credit Union’s Texas Ratio fell from 16.99% in Q2 2023 to 13.87% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.8 to 5.0 and its Health Grade from B+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$38M	13.87%	5.0	A
December 31, 2025	$38M	17.01%	4.8	B+
September 30, 2025	$39M	23.77%	4.3	B-
June 30, 2025	$39M	20.51%	4.5	B
March 31, 2025	$40M	6.69%	5.0	A
December 31, 2024	$39M	8.47%	5.0	A
September 30, 2024	$40M	8.94%	5.0	A
June 30, 2024	$38M	13.80%	5.0	A
March 31, 2024	$37M	13.95%	5.0	A
December 31, 2023	$36M	18.41%	4.7	B+
September 30, 2023	$36M	18.46%	4.7	B+
June 30, 2023	$36M	16.99%	4.8	B+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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

5.0 / 5.0 ★

Overall Health & Safety Grade

A (93/100)

Texas Ratio

13.87%

Return on Assets (ROA)

0.2168%

Return on Equity (ROE)

1.8108%

Non-Performing Loans Ratio (NPL)

2.59%

Total Assets

38,330,146

Total Amount of Shares and Deposits

33,457,273

Total Shares and Deposits < 1 Year

33,154,159

Total Shares and Deposits 1 3 Years

303,114

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

3,884,314

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

3,956,177

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

29,501,096

Total Interest Expense (Sum of items 6 8)

134,179

Share Certificates

150

Number of Accounts for Share Drafts

1,088

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,442

All other shares

477

Non Member Deposits

Money Market Shares

108

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

745,635

Total Liabilities

33,740,620

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

St Thomas Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About St Thomas Credit Union

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.