Q2 2026 call reports
Credit union loan rates in U.S. Virgin Islands
U.S. Virgin Islands credit unions reported a median new auto loan rate of 8.00% on their call reports for the quarter ended June 30, 2026, against 5.46% nationally. Among those with $25 million or more in assets and at least $1 million in auto loans, Christiansted Federal Credit Union reported the lowest, 6.00%.
These are the rates credit unions filed with NCUA, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| Loan | U.S. Virgin Islands median | US median |
|---|---|---|
| New auto | 8.00% | 5.46% |
| Used auto | 8.00% | 6.32% |
| Credit card | – | 11.50% |
| Personal | 15.00% | 11.75% |
| Mortgage | 7.00% | 5.75% |
| Home equity | – | 6.75% |
Every U.S. Virgin Islands credit union's reported rates
All 5 U.S. Virgin Islands credit unions that reported at least one loan rate, largest first. A dash means it holds no loans of that type.
| Credit union | New auto | Used auto | Credit card | Personal | Mortgage | Home equity |
|---|---|---|---|---|---|---|
| St. Thomas Federal Credit Union | 8.00% | 8.00% | – | 10.00% | – | – |
| Christiansted Federal Credit Union | 6.00% | 8.00% | – | 18.00% | – | – |
| Frederiksted Federal Credit Union | 12.00% | 12.00% | – | 15.00% | 8.00% | – |
| Mid-Island Federal Credit Union | 8.00% | 7.00% | – | 16.00% | 6.00% | – |
| Vitelco Employees Federal Credit Union | – | – | – | 13.00% | – | – |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or any credit union. Sort and filter these in the screener · All U.S. Virgin Islands credit unions · Lowest rates nationally