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Tax Preparation for St. Thomas Credit Union Members
Through our business partner, locally-owned Custom Fit Bookkeeping and Tax, LLC, St. Thomas Credit Union is offering tax preparation services at excellent rates to our members. With more than 100 years of combined experience in processing personal tax returns coupled with excellent rates and a complementary review of prior year's returns, this is a deal not to pass up.
Schedule an appointment today with Greg Rush by calling 615-646-3100.
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
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
Special Opportunity for STCU Loan holders
STCU is offering a 30-day open enrollment period for members that have an existing STCU Loan
and do not currently have credit life or credit disability insurance on their loan but would like to add
these products. The open enrollment period will be from 11/03/15 through 12/03/15. Of course our
members have the opportunity to add credit life or credit disability insurance to any qualifying STCU
loan at anytime during the life of that loan. However, if this is not done at the origination of the loan,
it is accompanied with a series of health questionaires that must be answered as well as a waiting
period for the benefits to take effect. During this open enrollment period, if you're an eligible member,
you can elect to cover your existing loan with Credit Life and/or Credit Disability Insurance without
having to answer additional health questions. Coverage is also immediate for eligible members. This
is a wonderful opportunity for STCU members, so don't miss out of this offer. Covering your loans with
MEMBER'S CHOICE Credit Life and Credit Disability Insurance can help your family keep its standard
of living if your income is reduced or eliminated due to a totally disabling injury or illness or your
For more information, please contact the credit union at (615) 292-7828 or check out our flyer here!