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 2019

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	159
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.4%
Return on Equity - YTD	11.43%
Annual Interest Income	$22.3MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$968.8MM$798.3MM
Loans	Q4 2019vs Q4 2018	$174.7MM$143.7MM
Deposits	Q4 2019vs Q4 2018	$771.5MM$682.7MM
Equity Capital	Q4 2019vs Q4 2018	$118.7MM$94.9MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$2.0MM$1.8MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$4.4MM$4.1MM
Real Estate Owned	Q4 2019vs Q4 2018	$1.3MM$570.00K

Rates

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Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Bank of St. Croix, Inc.; we are a rate comparison website and cannot provide official rates or promotions.

* 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

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
0.75%^*	$50k^*	-	12 Month CD
OTHER TIERS: 0.50% → $2k - $50k
0.50%^*	$50k^*	-	182 Day CD
OTHER TIERS: 0.25% → $2k - $50k
0.45%^*	$50k^*	-	91 Day CD
OTHER TIERS: 0.20% → $2k - $50k
0.35%^*	$50k^*	-	30 Day CD
OTHER TIERS: 0.10% → $2k - $50k

Bank of St. Croix, Inc. IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$50k^*	-	12 Month IRA
OTHER TIERS: 0.50% → $2k - $50k
0.50%^*	$50k^*	-	182 Day IRA
OTHER TIERS: 0.25% → $2k - $50k
0.45%^*	$50k^*	-	91 Day IRA
OTHER TIERS: 0.20% → $2k - $50k
0.35%^*	$50k^*	-	30 Day IRA
OTHER TIERS: 0.10% → $2k - $50k

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

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