St. Thomas Credit Union (TN)

Overview / Commentary

www.stthomascu.org

615-292-7828

4230 Harding Pike Ste 103
Nashville, TN 37205

St. Thomas Credit Union (TN) is headquartered in Nashville and is the 78^th largest credit union in the state of Tennessee. It is also the 3,003^rd largest credit union in the nation. It was established in 1959 and as of June of 2019, it had grown to 9 employees and 2,902 members at 2 locations. St. Thomas Credit Union (TN)'s money market rates are 2X the national average, and it has a B health rating.

Field of Membership Restrictions

St. Thomas Credit Union is open to anyone through a $25 donation to Saint Thomas Foundation. Membership is also open to employees of Saint Thomas Hospital, Aquinas College, Saint Thomas Health Services, Vine Street Christian Church, Watkins Institute, Saint Thomas Health Clinic, Saint Thomas Foundation, Hickman County Hospital, Belle Meade Dermatology, or Gannett and Affiliates.
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Health

Data as of Q2 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. St. Thomas Credit Union (TN) has a low asset base.

Health Grade Components

Overall
NCUA #	68071
Year Chartered	1959
Employees	9
Primary Regulator

Profit Margin
Return on Assets - YTD	0.32%
Return on Equity - YTD	2.77%
Annual Interest Income	$652.00K

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$27.3MM$27.3MM
Loans	Q2 2019vs Q2 2018	$20.5MM$19.7MM
Deposits	Q2 2019vs Q2 2018	$24.0MM$24.4MM
Equity Capital	Q2 2019vs Q2 2018	$3.2MM$2.7MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$298.00K$266.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$157.00K$110.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
Money Market
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.

St. Thomas Credit Union (TN) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	-	-	IRA Accumulative
1.00%	-	-	Roth IRA Accumulative
1.00%	-	-	ESA (Coverdell) Accumulative
0.20%^*	$10k^*	-	Savings Account
OTHER TIERS: 0.02% → $100 - $1k \| 0.05% → $1k - $3k \| 0.10% → $3k - $5k \| 0.15% → $5k - $10k
0.05%	-	-	Christmas Club Account
0.05%	$10	-	Vacation Account
0.05%	$25	-	Rainy Day Account

St. Thomas Credit Union (TN) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.95%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.15% → $5k - $10k \| 0.75% → $10k - $25k \| 0.90% → $25k - $50k

St. Thomas Credit Union (TN) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.03%	$1k	-	Share Draft Account

St. Thomas Credit Union (TN) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.95%	$1k	$250k	30 Month CD Special
2.75%	$1k	$250k	15 Month CD Special
2.37%^*	$50k^*	-	60 Month CD
OTHER TIERS: 2.30% → $1k - $50k
2.27%^*	$50k^*	-	48 Month CD
OTHER TIERS: 2.20% → $1k - $50k
2.17%^*	$50k^*	-	36 Month CD
OTHER TIERS: 2.10% → $1k - $50k
2.07%^*	$50k^*	-	24 Month CD
OTHER TIERS: 2.00% → $1k - $50k
1.86%^*	$50k^*	-	12 Month CD
OTHER TIERS: 1.80% → $1k - $50k
1.75%	$1k	-	12 Month Senior Birthday CD
1.36%^*	$50k^*	-	6 Month CD
OTHER TIERS: 1.30% → $1k - $50k

St. Thomas Credit Union (TN) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.96%^*	$25k^*	-	36 Month IRA
OTHER TIERS: 1.75% → $2k - $25k
1.76%^*	$25k^*	-	30 Month IRA
OTHER TIERS: 1.65% → $2k - $25k
1.66%^*	$25k^*	-	18 Month IRA
OTHER TIERS: 1.50% → $2k - $25k
1.51%^*	$25k^*	-	12 Month IRA
OTHER TIERS: 1.25% → $2k - $25k

Locations

St. Thomas Credit Union (TN) Locations
Branch Office	4230 Harding Pike Ste 103	Nashville, TN 37205
Branch Office	1100 Broadway	Nashville, TN 37203

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