St. Thomas Credit Union
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Member Services

Convenience Services

Direct Deposit:

  • Eliminate paper checks when you open a Share Draft
        (Checking) or E-Z Account
  • Payroll Deduction:

  • Any amount of your choice can be deducted from your payroll
        check to be deposited into any STCU account
  • Set up payroll deduction to repay STCU loans
  • Visa Gift/CU Travel/Reloadable Cards:
    Choose From Any 3 Options to Suit Your Needs:
    Visa Gift Cards - Max Reload: 1 (Initial load.)
                            -  Awesome for gifts of all occasions.
    CU Travel Cards - Max Reload: 4x (Initial load is 1 use.)
                              - Convenient for traveling
    Reloadable Cards - Maximum Number to Reload: Unlimited!
                                 - Access direct deposit and avoid $3.00 fee
                                 - Convenient for college students

    ACH:

  • Automatic payments and deposits are available for your
        STCU account
  • ATM:
    Dr. Cash is a full service ATM located across the sky bridge from Seton Garage Parking

  • First 6 transactions each month are FREE!
        (After 6, transactions are 0.75 each.)
  • Make deposits/withdrawals from STCU accounts
  • Transfer funds between STCU accounts
  • Send print materials to the credit union (EX: loan payments,
        loan or VISA applications, address changes, etc)
  • Envelopes are provided at Dr. Cash machine

    Cash Disbursing ATMs are located near the Plaza Pharmacy, Hospital Cafeteria, 1st Floor Lobby of S&E Building
  • ATMs does not allow you to make deposits or send information    (Visit Dr. Cash on your way in or out of the hospital for all that.)
  • Machines are equipped to do withdrawal transactions
  • STCU cardholders enjoy 6 FREE monthly transactions from
        STCU accounts
  • Withdrawals are $1.75 each for non-credit union transactions
  • Members will be charged $1.00+ a surcharge to access
        STCU funds from “foreign” ATMs
  • Machines are on all major ATM networks

    VISA Check Card:

  • Have ready access to cash in your STCU checking account
        from any financial institution that honors your VISA.
  • No need to hold up line writing a check when you can
        “Swipe and Go
  • Need cash fast, but not close to Baptist or St Thomas ATM to avoid those surcharge fees? Don’t forget the FREE
    Presto!
    Located at all Publix Grocery Store. (Find one near you!)

    S.T.A.T Line:

  • 24-hour touch tone teller
  • Access account information, transfer funds, reorder checks,
        retrieve information on your last 15 checks that have cleared
        your account and more! Call 615-292-STAT (7828), choose
        option 5, have your account number and PIN ready and follow
        the menu
  • With Check-21 enforced, some checks may clear as an
        Electronic Transaction, rather than Check Transaction
  • Online Banking:

  • Instant gratification by signing up for Virtual Branch! Log in onto     our Virtual Branch with a User ID and Password and have
        access to everything you want to see!
  • Go Green” by signing up for E-Statements!
  • Go Green” save “Money” by signing up for Bill PayIt! No more     check orders, no more writing checks, no more keeping up
        with a check register, and no more purchasing over priced
        stamps!
  • Transfer from one account to another
  • And MORE! Click Here


  • Other Services
    Money Orders
    Wire Transfers
    Financial Counseling & Planning
    Insurance Services
    CUNA Mutual Insurance Products
    Nationwide Monthly Auto Pay Plan
    American Family Cancer & Intensive Care Coverage





     
    Savings/Checking

    Share (aka Savings Account):
  • $25.00 minimum must remain in savings account to be eligible
        for membership
  • Dividends are compounded and credited to your account
        quarterly
  • Offer Tier Rate Savings:
        -  $100 to $3,000 receives current rate (review Rates & Fees)
        -  $3,000+ receives higher interest rate (review Rates & Fees)
  • Receive quarterly statements or “Go Green” by signing up for
        E-Statements – for FREE!
  • Share Draft (aka Checking Account):

  • Open with at least $100.00 deposit or sign up for direct deposit
  • No monthly fee
  • Interest-Earning Account (Minimum balance of $1,000.00 to
        earn dividends)
  • Offer carbonless duplicate checks or “Go Green” by signing
        up for Bill PayIT!
  • Reorder checks online!
  • Receive monthly statement or “Go Green” by signing up for
        E-Statement
  • E-Z Account:

  • Don’t need checks? Members with a minimum balance of
        $25.00 in Savings may open an E-Z Account.
  • Authorize direct deposit or payroll deduction from your payroll
        check
  • Get money orders as needed from the STCU office
        ($1.00 per money order)
  • Share Certificates (CDs):

  • Minimum deposit is $5,000.00 for 6-12-24-36 months
  • $50,000.00+ interest are posted quarterly
  • Interest posted at maturity
  • Money Market:

  • Offer 2 levels $5,000.00 to $10,000.00
                            $10,000.00 and over
  • Dividends are posted monthly and the rate is subject
        to change (Rates & Fees)
  • Individual Retirement (IRA):
    Certificate:

  • $Minimum deposit is $2,000.00, invested for
        12-18-30-36 months
  • $25,000.00+ interest are posted quarterly
  • Dividends are posted at maturity.

  • IRA Accummulative:
  • Subject to interest rate change and has no maturity
  • Dividends are posted quarterly
  • Extra contribution is available
  • Christmas Club:

  • Program starts at the end of October and disburses the
        following October
  • $25.00 withdrawal fee (1 time per year)
  • Vacation Account:

  • Minimum balance of $25.00
  • No term limit on the account
  • 3 withdrawals per year
  • Prime Time:

  • Must be 60+ year of age
  • Enjoy NO FEE Checking, FREE ATM usage, and
        FREE Share Savings withdrawals
  • Inquire about Birthday CD! Don’t pass on this offer!
  • Free Life Savings Insurance:
    Accounts opened prior to January 1, 2007 will continue to be eligible for life insurance coverage, including all new deposits, until the account is closed.

    Beginning January 1, 2007, you will need to maintain a minimum insured savings balance (regular share account) of $1,000 to be eligible for life savings insurance. If at any time your balance falls below this amount, your insurance will cease.

  • Deposits that were made before age 55 are insured to 100%
  • Deposits made after age 55 and before age 60 are
        insured to 75%
  • Deposits made after age 60 and before age 65 are
        insured to 50%
  • Deposits made after age 65 and before 70 are insured to 25%.
        The minimum insured savings is $1,000 and the maximum
        savings is $2,000 per member.
  •  Click here to read the full letter.







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    © Copyright 2008 St. Thomas Hospital Employee Credit Union
    All Rights Reserved.



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

    NCUA
    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. Government Agency.