US Bank Directory
Banks in St Thomas, VI
1 FDIC-insured bank operates 1 office in St Thomas, U.S. Virgin Islands, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: St Thomas
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 2 banks and credit unions operate 2 locations in St Thomas, according to the FDIC and the NCUA. 1 of them has coordinates on record and is on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
1 location on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in St Thomas
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Merchants Commercial Bank is the only bank with an office in St Thomas. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Merchants Commercial Bank Bank · 1
Merchants Commercial Bank has 1 branch in St Thomas, 2 across U.S. Virgin Islands. FDIC records list its main office in St Thomas, VI and show it operating since 2006. With $506.0 million in total assets on June 30, 2026, it ranks No. 1,781 of 4,232 U.S. banks by total assets. Its main office at 4608 Tutu Park Mall dates to 2006 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office4608 Tutu Park Mall, 00802
Pentagon Credit Union Credit union · 1
Pentagon Credit Union has 1 office in St Thomas, 1 across U.S. Virgin Islands. It is based in Mclean, VA and $29.40 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Tutu Park4605 Tutu Park Mall Ste189, 00802
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in St Thomas
1 credit union has 1 office here: Pentagon Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in St Thomas page has every office in the state's directory.
Banking in St Thomas: the local picture
Short answer: 1 bank runs 1 branch in St Thomas according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Merchants Commercial Bank has its main office in St Thomas, according to the FDIC.
The bank with the longest record here is Merchants Commercial Bank, operating since 2006 according to the FDIC.
The only credit union with an office here is Pentagon Credit Union.
Of the 1 location with published hours. 1 opens on Saturday. 1 location has no published hours in these sources.
Credit unions open on Saturday in St Thomas
Short answer: 1 of the 1 St Thomas location with published hours opens on Saturday, run by 1 institution.
- Pentagon Credit Union: 1 of 1 office (4605 Tutu Park Mall Ste189: Saturday 9 am to 1 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 1 of the 2 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in St Thomas, and where the nearest one is if they do not.
Short answer: No branches in St Thomas: Chase, Wells Fargo, Bank of America, PNC Bank, U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO.
| Bank | In St Thomas | Nearest branch if none here |
|---|---|---|
| Chase | None | none in U.S. Virgin Islands |
| Wells Fargo | None | none in U.S. Virgin Islands |
| Bank of America | None | none in U.S. Virgin Islands |
| PNC Bank | None | none in U.S. Virgin Islands |
| U.S. Bank | None | none in U.S. Virgin Islands |
| Truist | None | none in U.S. Virgin Islands |
| Fifth Third Bank | None | none in U.S. Virgin Islands |
| Huntington | None | none in U.S. Virgin Islands |
| Regions Bank | None | none in U.S. Virgin Islands |
| TD Bank | None | none in U.S. Virgin Islands |
| BMO | None | none in U.S. Virgin Islands |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of St Thomas to the nearest branch in U.S. Virgin Islands.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to St Thomas residents like anyone else.
Banks near St Thomas
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Charlotte Amalie (1 mile) and St John (8 miles). Christiansted, 43 miles away, has the most banks nearby: 4.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Charlotte Amalie, VI | 1 mi | 3 | 8 |
| Banks in St John, VI | 8 mi | 2 | 2 |
| Banks in Frederiksted, VI | 42 mi | 2 | 2 |
| Banks in Christiansted, VI | 43 mi | 4 | 7 |
Bank branch openings and closings in St Thomas
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in St Thomas between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in St Thomas
Short answer: 1 institution has its main office in St Thomas: Merchants Commercial Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Merchants Commercial Bank | Bank | $506.0 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in St Thomas by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its St Thomas offices.
Short answer: Merchants Commercial Bank is the largest bank with offices in St Thomas, with $506.0 million in total assets on June 30, 2026, No. 1,781 among U.S. banks by total assets. 1 of the 1 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Merchants Commercial Bank | $506.0 million | No. 1,781 | 1 | St Thomas, VI |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in St Thomas: FAQ
How many banks are in St Thomas, VI?
St Thomas has 1 bank with 1 branch and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Is there a Merchants Commercial Bank in St Thomas, VI?
Yes. FDIC data lists 1 Merchants Commercial Bank branch in St Thomas as of September 5, 2026, the main office at 4608 Tutu Park Mall. The address and directions are under Merchants Commercial Bank above.
Which banks in St Thomas are open on Saturday?
Pentagon Credit Union publishes Saturday hours for one or more St Thomas locations. The Saturday section above lists each one with its hours. 1 of the 2 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in St Thomas?
Merchants Commercial Bank has its main office in St Thomas, according to the FDIC.
What is the oldest bank in St Thomas?
Merchants Commercial Bank has the longest record among banks with a branch here: the FDIC shows it operating since 2006.
Which credit unions can I join in St Thomas?
Pentagon Credit Union has an office in St Thomas. Check each credit union's membership rules before you apply.
Did any bank branches open or close in St Thomas in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near St Thomas?
Nearby cities with more banks include Charlotte Amalie, St John, Frederiksted. Charlotte Amalie is 1 miles away with 3 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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