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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

Christmas Club Funds for 2016

Change in disbursement date
Funds will be disbursed Friday, November 4, 2016

2016 Christmas club funds will be disbursed a little later this year. Due to many comments that were made last year about how early we disburse the Christmas Club funds, the Board of Directors has voted to delay the disbursement date until November this year. Going forward, the club funds will be disbursed the first week in November. We understand that some people may use this account for "Fall break" vacations, and we apologize for not giving more substantial notice. If you have made these types of plans, please let us know and we will allow early withdrawal of the Christmas Club funds (THIS YEAR ONLY) at no penalty. For those that leave their club funds in the account the full length, you will have a little extra money this year, since the extension of the disbursement date will allow a few more deposits. We apologize for any confusion this may cause. Please keep in mind:
  • Christmas club's official disbursement date has changed to November 4, 2016.
  • If you had plans for the money, and need it now, you may withdraw the funds early this year with no penalty. This only applies to THIS YEAR ONLY. If you intend to use the funds as vacation money next year, please plan now to move your vacation, or open a vacation account, as early withdrawal will not be allowed next year without a fee.
  • If you would like a check to be mailed to you, or any other special request, please call us as soon as possible and let us know this preference. If we do not hear from you, the Christmas Club funds will be deposited into your checking account, unless you just have a savings account, in which it will move there.
  • If you would like to have an alternative way to keep your money safe this year, ask us about CU Money, a prepaid debit card. Your funds are protected if it is lost or stolen, and the card cannot be overdrawn.
  • If you are not currently enrolled in STCU's Christmas Club account, wouldn't it be nice to have Christmas paid for next year? Now is the time to start planning for next year. Ask us how you can open a Christmas Club account today! If you have a current account and would like to make changes to the amount of your contribution, please let us know that as well.

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.
We do business in accordance with the Federal Fair
Housing Law and the Equal Credit Opportunity Act.