Quick Links



Events, Seminars & Promotions

STCU Skip-a-Pay!
St. Thomas Credit Union encourages members to make responsible financial decisions, but we also know there are times in life when it can be a challenge to make your monthly loan payment. Whether this reason is a sudden emergency, or as we get into the holidays, a need to purchase gifts for your loved ones, STCU has started a Skip-a-Pay program to make these troubling times easier on you.

With the STCU Skip-a-Pay program, you can skip one monthly, or two bi-weekly payments, once every twelve rolling months on a qualifying loan*. If you have more than one qualifying loan, you may submit a request to skip-a-pay on each loan.

When you skip a payment, your loan term will be extended by one month. This can increase the total interest you pay over the life of the loan. Interest will continue to accrue on your unpaid balance on a daily basis resulting in a greater amount of your next scheduled payment to be applied toward interest. By skipping a payment(s) the benefit from disability, life, and/or Guaranteed Asset Protection (GAP) may be reduced by the amount of the payment skipped.


To skip your payment you should complete the Skip-a-Payment Agreement. This form must be returned to us at least five (5) days before your payment is due, but no more than thirty (30) days prior to the due date. Please note that the borrower and the co-borrower or guarantor (if applicable) MUST sign the form. The processing fee for the Skip-a-Pay is $35.00. This fee must be paid before any modification to the loan will be made. A fee must be paid for each loan that you are applying to skip a payment on. If the Skip-a-Pay request is not approved, the $35 fee will be refunded to you. Please read the form carefully before returning it, as it will explain any other important information you will need to know.

Loans not eligible
  • Share or Certificate secured loans
  • Delinquent loans and accounts not in good standing
  • Negative account balances
  • Loans open less than six (6) months
  • Visa Credit Card Accounts
  • Mortgage or Home Equity Line of Credit Loans
  • Helping Hand Loans
  • Overdraft Protection Line of Credit Loans
  • Other conditions and restrictions may apply



Pocket to Pocket

STCU's new person-to-person mobile money transfer service. Faster, easier and more secure than cash, checks or online bank transfers.

Faster - real time EFT network transmission; no more waiting for the transaction to clear
Reliable- good funds model, unlike ACH based services
Easy Send - no physical cash or checks, and no new passwords to remember
Easy Deposit - near real-time deposit; no need for branch visits or waiting 3-5 days
Easy Receipt - Acceptance via mobile device or web based payment
Highly Secure - Trusted user interface and patented scrambled PIN pad technology
Simple - no pre-registration





Presidents' Day Outage

Possible Card Service Interference
Saturday, February 13th through Monday, February 15th


STCU would like to inform you that there may be a possible card service interference Saturday, February 13th through Monday, February 15th that could potentially affect transactions from being approved.What this means to you:
  • Your Debit card/ATM card may work intermittently between 6:00 pm on Saturday, February 13th and Monday, February 15th. This may cause denied transactions.
  • Virtual Branch Services (Online Banking) as well as STAT Line (Our automated phone teller system) may experience outages during this time frame. This will also affect the mobile app.
  • All systems are expected to be working normally on Monday, February 15th and will NOT affect STCU credit cards.
  • Please plan appropriately, by making payments or purchases prior to or after this window of time. You may also want to withdraw cash from the ATM, or come by the branch, prior to this potential outage to guarantee access to money through the holiday weekend. If you have any automatic payments that will happen during this time using your Debit card, please make arrangements with that company to make that payment at a different time.


We apologize for any inconvenience this may cause. Please call us at (615) 292-7828 with any questions you may have.


NCUA Insured Your Savings Federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Govt. Agency.
EHL
We do business in accordance with the Federal Fair
Housing Law and the Equal Credit Opportunity Act.