Vehicle
- Low-interest rates for new and used vehicles
- Rates are based off of Debt-Income Ratio and Credit score and created using a matrix system
- Term is determined by age of the vehicle
- Need Assistance finding a vehicle? Check out our Car Finding page
Personal Loans
- Used for debt consolidation, car repairs, tuition, medical bills, moving expenses, wedding expenses, etc.
Helping Hand Loans
- $300 dollar loan used as a “Last resort” loan or to build credit
- Loan term is for 3 months
- Loan must be repaid in FULL before another advance can be made
Fixture Filing Loans
- For appliances, lawnmowers, furniture, electronics, etc.
- Uses personal property as collateral to receive a lower interest rate
Vacation Loans
- 12 month term loans
- Rate is based upon credit score and debt-to-income ratio
Christmas Loans
- Special rate loans for the holiday season
- Amounts, term and rates change annually. The promotion usually runs anytime between October 1 and January 31, but subject to change. Call the credit union at (615) 292-7828 for more information about this year’s special.
Overdraft Protection Loan
- Line of credit is established to take care of share drafts (checks) if funds are not available in your checking account at the time the check is presented for payment
Share Secure
- Uses Shares as collateral to receive a lower interest rate.
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St. Thomas Credit Union
All Rights Reserved.
Your Savings Federally insured to at least $250,000 and backed 