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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 $25.00. 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 $25 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
Mail Payments sent to STCU between Feb 21st and Feb 24th
Unfortunately, St. Thomas Credit Union was informed yesterday (Thursday, February 26, 2015), that the mail delivery truck for our mail to the credit union caught on fire and could have potentially had mail from our members to us onboard. We have contacted the United States Postal Service to see if there is any way to find out what could have been destroyed. We were instructed that there is really no way to know what was on the truck and who it was from, so we are sending this notice as a proactive approach to head off any confusion.
What this means for you:
1) If you have sent any payments, deposits, or correspondence to St. Thomas Credit Union between the dates of February 21st through February 24th, please check you accounts, either through online banking or stat line, to verify that your payment or deposit you had sent did in fact make it to us. If there are any questions at all, please call us at (615) 292-7828 and we would be happy to answer those for you.
2) This may have impacted payments that were made through a Bill Pay system, either with St. Thomas Credit Union or with another institution. Typically these types of systems do create physical checks that are mailed to the branch. If you made a Bill Pay payment during this window of time, please also review your accounts and make sure that the payment was received.
3) If you know that your payment could be one of these potentially lost in the fire, please contact the credit union as soon as possible and let us know. We will place an alert on your account that you could have potentially been involved. We will ask that you please resend these payments, and we will be vigilant not to double post any payments. We do not think that it is necessary to pay to place a stop payment on these items, as they were not lost and still in circulation, they simply were burned up in the truck fire. Again, if you notify us that you could have potentially been involved, our mail processing team will be diligent in verifying that we do not double post payments.
4) We will work with any members that have been assessed a fee due to this event. If you find that a fee has been charged and you believe that it was due to this incident with the mail system, please contact the credit union. We will ask that you provide some sort of proof, whether it is a bill pay confirmation or a carbon copy of the check that was written, before any fees can be reversed.
We do apologize for this inconvenience. Unfortunately, this is one of those cases that is unforeseeable and out of anyone’s hands. Many of you may have caught the news story that ran on WSMV (Otherwise known as Channel 4) Thursday evening this week regarding what some believed to be a scam email from the Belle Meade City Hall requesting extra tax money. It turns out after some investigation that this email was legitimate and was a result of payments being burned up in this mail truck fire earlier in the week. For anyone that would like to view the story about the incident that was put together by WSMV, that link is provided below.
Thank you in advance for your understanding,
St. Thomas Credit Union