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Share Rates
Money Market Rates
Vacation Day Rates
Christmas Club Rates
Prime Time Savings Rates
Fee Schedule
Truth in Savings Discl




Savings Accounts


Share Savings
  • A Share (Savings) account is your ticket to being an owner of the credit union.
  • Ownership is for life – as long as you maintain a $25.00 minimum balance.
  • A $25.00 minimum balance in your share account is the key to access all of the products we provide to our owners.
  • An application can be found by clicking here. This form must be filled out and brought into the credit union with a picture ID to open the account.
  • A minimum balance of $100.00 is required to earn interest.
  • Share (Savings) accounts offer tiered interest rates, which means as your money grows in this share account so does your dividend rate.
  • Dr. Cash ATM Cards are available.
  • 1 withdrawal is allowed per month with no fee charge. Each withdraw after the first each month will incur a $3 fee. For a list of all our fees check out our fees page.
  • Interest is compounded and credited to your account quarterly.




Money Markets
  • A minimum balance of $5,000.00 needs to be maintained each day to obtain the disclosed annual percentage yield (APY), and for it to be an interest-earning account.
  • 6 free withdrawals or transfers per month with no fee charge.
  • Dividends are compounded and credited to your account monthly.




Vacation/Rainy Day
  • A $10.00 minimum balance needs to be maintained to keep this account open.
  • No term limit.
  • 3 withdrawals or transfers per year with no fee charge.
  • Dividends are compounded and credited to your account quarterly.




Christmas Club
  • Matures the Saturday following the first hospital payday in October
  • Dividends are paid quarterly
  • Early withdrawal penalty of $15
  • Enrollment can happen at anytime (It is suggested to enroll sometime in October to get a full year's worth of contributions and to maximize your savings)
  • To enroll Click Here and print off our current enrollment form. The form must be returned to the branch either via email, fax, or dropped off in person to have the account setup. Any additional money, beyond what is currently sent to St. Thomas Credit Union, to cover the deposit to the Christmas Club must be arranged with your payroll department. If you have any questions, please contact us at 615-292-7828.




Prime Time Savings
  • Members who have reached 60 years of age are eligible for free ATM usage and unlimited free share account withdrawals.
  • A $25.00 minimum balance in your share account is the key to access all of the products we provide to our owners.
  • A minimum balance of $100.00 is required to earn interest.
  • Share (Savings) accounts offer tiered interest rates, which means as your money grows in this share account so does your dividend rate.
  • Dr. Cash ATM Cards are available.
  • Interest is compounded and credited to your account quarterly.


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.