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

A+

Data as of Q1 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	156
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	-0.38%
Return on Equity - YTD	-3.11%
Annual Interest Income	$5.5MM

Assets and Liabilities
Assets	Q1 2020vs Q1 2019	$1.04B$840.1MM
Loans	Q1 2020vs Q1 2019	$203.2MM$152.3MM
Deposits	Q1 2020vs Q1 2019	$823.2MM$695.4MM
Equity Capital	Q1 2020vs Q1 2019	$125.2MM$103.0MM
Loan Loss Allowance	Q1 2020vs Q1 2019	$2.2MM$1.8MM
Unbacked Noncurrent Loans	Q1 2020vs Q1 2019	$4.1MM$5.3MM
Real Estate Owned	Q1 2020vs Q1 2019	$1.3MM$402.00K

Rates

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Checking
CD
IRA

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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

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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