This is a rock solid, very small, U.S. Virgin Islands bank that I am delighted to be a depositor in. I sleep well at night knowing where my money is, even though they won't pay a dime in interest. I love this bank.

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Health

Data as of Q4 2020

Data displayed below is for insuring bank: United Fidelity Bank, fsb

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Health Grade Components

Overall
FDIC Certificate #	29566
Year Established	1931
Employees	180
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.73%
Return on Equity - YTD	15.18%
Annual Interest Income	$24.1MM

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$1.40B$968.8MM
Loans	Q4 2020vs Q4 2019	$334.4MM$174.7MM
Deposits	Q4 2020vs Q4 2019	$1.10B$771.5MM
Equity Capital	Q4 2020vs Q4 2019	$152.5MM$118.7MM
Loan Loss Allowance	Q4 2020vs Q4 2019	$2.8MM$2.0MM
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$5.3MM$4.4MM
Real Estate Owned	Q4 2020vs Q4 2019	$6.2MM$1.3MM

Rates

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Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bank of St. Croix, Inc. Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%	-	-	Statement Savings
0.35%	-	-	Young Savers
0.35%	-	-	Commercial Statement Savings
0.25%^*	$20k^*	-	Health Savings Account
OTHER TIERS: 0.10% → Up to $2.5k \| 0.15% → $2.5k - $10k \| 0.20% → $10k - $20k
0.10%	$5	-	Holiday Club

Bank of St. Croix, Inc. Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	-	-	Community Investment Checking
0.25%	-	-	Personal NOW Checking

Bank of St. Croix, Inc. CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$50k^*	-	12 Month CD
OTHER TIERS: 0.25% → $2k - $50k
0.25%^*	$50k^*	-	182 Day CD
OTHER TIERS: 0.20% → $2k - $50k
0.15%	$2k	-	91 Day CD
0.10%	$2k	-	30 Day CD

Bank of St. Croix, Inc. IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$50k^*	-	12 Month IRA
OTHER TIERS: 0.25% → $2k - $50k
0.25%^*	$50k^*	-	182 Day IRA
OTHER TIERS: 0.20% → $2k - $50k
0.15%	$2k	-	91 Day IRA
0.10%	$2k	-	30 Day IRA

Locations

Bank of St. Croix, Inc. Locations
Bank Of St. Croix, Inc.	5025 Anchor Way	Christiansted, VI 00820
Estate Peter's Branch	6702 Peters Road	Christiansted, VI 00820
Fayette County Branch	320 North Main Street	Saint Elmo, IL 62458
Destin Branch	363 East U.S. Highway 98	Destin, FL 32541
First City Bank Of Florida Branch	135 Perry Avenue, S.E.	Fort Walton Beach, FL 32548

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.