New Hospital Employees
Congratulations on your new role, and welcome to the hospital family! Whether you are a recent college graduate stepping into your first full-time healthcare position or a professional relocating to join the team, St. Thomas Credit Union is here to support your financial health. As a credit union, we are a not-for-profit cooperative. That means our focus is entirely on you, offering lower rates, fewer fees, and personalized support tailored to the unique demands of healthcare professionals.
Your Dedicated New Hire Resource Center
Starting a new career is an exciting milestone, but it also brings new financial responsibilities. We created this page specifically for you. Bookmark this hub, as we will continually update it with new products, services, and exclusive resources designed to help you build credit, manage debt, and achieve long-term financial wellness.
Hear From Our Members — Video Gallery
Real stories from members just like you: healthcare professionals who joined St. Thomas Credit Union and found the support they needed to reach their financial goals.
Products Built for Your New Career Stage
1. First-Time Auto Loans: Reliable Rides for Every Shift
Need a dependable car for early-morning rotations or late-night shifts? Our First-Time Auto Buyer program is perfect for recent graduates. Even with limited credit history, we offer flexible underwriting and competitive low rates to get you behind the wheel safely and affordably.
2. Visa Classic Credit Card
Start building your credit profile with a straightforward, no-frills credit card designed for members who are new to credit. Enjoy competitive rates, no surprises, and the flexibility to cover everyday expenses or unexpected costs.
3. Credit Builder Loan
A strong credit score is key to unlocking future milestones, like buying a home or lowering insurance premiums. Our Credit Builder Loan safely establishes your payment history while you save. It's a smart, low-risk way to grow your credit from scratch.
4. Contactless Debit Card
Tap, pay, and go. Every Checking Account comes with a free contactless debit card, so you can move through the checkout line as quickly as you move through your shift.
5. Savings and Checking Accounts
You work hard for your money, and you shouldn't have to wait for it. Our Checking Accounts come with no hidden monthly maintenance fees and a free debit card. Pair it with a Savings Account, or a high-yield option, to start building your emergency fund from day one.
6. Direct Deposit Services
Set up your hospital payroll direct deposit with St. Thomas Credit Union and access your paycheck up to two days early, with no extra steps on payday.
Digital Banking Tools
Healthcare doesn't stop at 5:00 p.m., and neither do we. Manage your money on your schedule with our suite of digital tools:
Online Banking: Manage your accounts, view statements, and move money from any computer, any time.
Mobile Banking App: Check your balances, transfer funds, and deposit checks instantly from the hospital breakroom.
Manage My Cards: Lock, unlock, and set spending controls on your debit or credit card directly from your phone if it's ever lost or misplaced.
Contactless Payment Options: Pay quickly and securely with tap-to-pay, wherever your shift takes you.
Financial Wellness Resources
Education Center: Free, self-paced modules on everything from "Budgeting on a Starter Salary" to "Understanding Your Credit Score."
Budgeting and Savings Resources: Tools and tips to help you build a spending plan that fits a new hospital employee's schedule and salary.
Credit Building Information: Guidance on how to establish and grow your credit profile the right way.
Financial Planning Tools: Calculators and planning resources to help you set and track short- and long-term goals, including Student Loan repayment and savings milestones.
Free Financial Counseling: One-on-one sessions with our certified financial counselors to create a custom budget or debt repayment plan.
Ready to Get Started?
You dedicate your career to taking care of others. Let us take care of your financial future.