Back to Charlotte Amali credit unions

Vitelco Employees

PO Box 303920, Charlotte Amali, VI 00803
NCUA Insured3.5 (15 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1979

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 303920

Charlotte Amali, VI 00803

Service Area

This credit union is located in Charlotte Amali and serves members in the VI area. Currently serving 334 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

Personal Loan

13.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in VI

Lowest rates currently reported by credit unions in VI (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.5

15 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
kush montana

kush montana

6 months ago

I been a member with credit union for more than ten years. Always fast service I must say… but to this present day I don’t know who is running the loan department but the services is terrible, you trying tell me I waiting three weeks for a loan to get approved and when you call and ask what’s going on. It’s still being reviewed… like come on. Who is running the department now??

Ronalyn David

Ronalyn David

5 years ago

Yesterday, St Thomas Federal Credit Union was there to help me again! Throughout my forty+ years of membership, they have always performed in an professional manner, their “Motto, Not for profit, not for charity, but for service“, continues to be demonstrated. I needed a large amount of cash to pay the balance on Hurricane Repairs ( a discount was offered on cash payment). When I arrive to find the Credit Union(CU) closed due to COVID19, I was totally disheartened, I would have to write a check and therefore receive no discount. Since our CU has in the past always given me top notch service, stepped up to help me out of personal jams and addressed my fiscal concerns positively, I called them. Two female agents helped me to receive the cash from the new ATM, I was permitted to access my funds and receive an amount over the $500 limit in cash. Thank you again CU. It’s reassuring to know that you care about your customers. Please continue the great job you’re doing and the services you are providing.

Madame Shugga D Rosenbloom

Madame Shugga D Rosenbloom

4 years ago

Now...I'm going to raise the star approval. STTFCU has proved to be alright with me. First, the customer service is good! Everytime I come in or phone they are pleasant. It's a good thing when you are valued as a member. Recently in my travels STTFCU were very much accommodating in helping me. I truly appreciated this service. I also appreciate Ms. Harris and the entire team in introducing me to other ways in working with my account. However, one thing...it would be great if they had Zelle. :-) Continued success to STTFCU! 9 months ago...One major complaint...I don't trust this bank anymore. My account was compromised and the untrained woman over cyber security blamed me for having my account compromised. Really?! Simply because I gave my bill collector my info and THEY abused my card by using it in another country to pay their bill. What?! STCU did not protect me or contact me at all. In addition, I went to make purchase and my card was declined. Fortunately they were opened, and unlocked my card. The reason being, they changed card system and some cards did not change over. The kind lady apologized. But that is still bad. If this was a weekend, I would've stuck with a locked card. And then, how can the ATM outside of the bank not give a receipt? Who monitors this??? They make too many casual errors!!! I've gotta eventually divorce myself from this nightmare instiution. Besides that... 90% Nice and professional staff. Very helpful when making inquiries. Except one teller...he never, ever smiles and a tad bit unpleasant when approaching him. He is never cordial ...never! He never looks up..just at the keyboard..like he is mad about something. Or he has an overly professional demeanor, thinking it makes him appear efficient without smiling. Yet, I do smile and speak friendly (uncomfortable for me) because his customer service friendliness is void. Maybe it's personal. IDK It tickles me, yet annoying...if you call 20 minutes before closing, they won't answer the phone. Especially holiday and carnival time. However, it's the way they do business and people have just grown accustomed to it. Small organization, yet vigorously active recruiting members. I appreciate their tenacity.

John Gardner

John Gardner

a year ago

Awful experience my card got stuck in a machine and the person I talked to basically laughed off my concerns. Horrible customer service and I would advise you to do business anywhere else.

Nelly Alejandro

Nelly Alejandro

7 years ago

Friendly staff. Courteous services. Clean building. One of the best financial specialist on island.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).