Vantage Credit Union

4020 Fee Fee Road
Bridgeton, MO 63044
www.vcu.com

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Vantage Credit Union is headquartered in Bridgeton and is the 4^th largest credit union in the state of Missouri. It is also the 298^th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 267 employees and 99,556 members. Vantage Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

Vantage Credit Union Routing Number: 281081479

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See Rates for: Savings | Money Market | CD | IRA

Vantage Credit Union Savings Account Rates

Apy	Min	Max	Product
1.50%	-	-	Deferred Compensation Plan (DCP) Fixed
1.50%	-	-	Deferred Compensation Plan (DCP) Variable
0.20%	$50k	-	Regular Saving Account
0.20%	$50k	-	Special Saving Account
0.10%	-	-	Holiday Club Saving Account
0.10%	-	-	Visa Secure Saving Account

Vantage Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.35%	$50k	-	Premier Money Market Account

Vantage Credit Union CD Rates

Apy	Min	Max	Product
1.55%	$50k	-	60 Month Jumbo CD
1.45%	$2k	-	60 Month CD
1.30%	$50k	-	48 Month Jumbo CD
1.20%	$2k	-	48 Month CD
0.90%	$2k	-	36 Month Step-Up CD
0.90%	$50k	-	36 Month Step-Up Jumbo CD
0.80%	$50k	-	24 Month Jumbo CD
0.70%	$2k	-	24 Month CD
0.70%	$50k	-	18 Month Jumbo CD
0.60%	$2k	-	18 Month CD
0.60%	$50k	-	12 Month Jumbo CD
0.50%	$2k	-	12 Month CD
0.45%	$250	-	25 Month SmartSaver CD
0.40%	$50k	-	6 Month Jumbo CD
0.30%	$500	-	13 Month Starter CD
0.30%	$2k	-	6 Month CD

Vantage Credit Union IRA Rates

Apy	Min	Max	Product
1.55%	$50k	-	60 Month Jumbo Traditional IRA
1.55%	$50k	-	60 Month Jumbo Roth IRA
1.45%	$2k	-	60 Month Traditional IRA
1.45%	$2k	-	60 Month Roth IRA
1.30%	$50k	-	48 Month Jumbo Traditional IRA
1.30%	$50k	-	48 Month Jumbo Roth IRA
1.20%	$2k	-	48 Month Traditional IRA
1.20%	$2k	-	48 Month Roth IRA
0.90%	$2k	-	36 Month Step-Up Traditional IRA
0.90%	$50k	-	36 Month Step-Up Jumbo Traditional IRA
0.90%	$50k	-	36 Month Step-Up Jumbo Roth IRA
0.90%	$2k	-	36 Month Step-Up Roth IRA
0.80%	$50k	-	24 Month Jumbo Traditional IRA
0.80%	$50k	-	24 Month Jumbo Roth IRA
0.70%	$2k	-	24 Month Traditional IRA
0.70%	$50k	-	18 Month Jumbo Traditional IRA
0.70%	$50k	-	18 Month Jumbo Roth IRA
0.70%	$2k	-	24 Month Roth IRA
0.60%	$2k	-	18 Month Traditional IRA
0.60%	$50k	-	12 Month Jumbo Traditional IRA
0.60%	$50k	-	12 Month Jumbo Roth IRA
0.60%	$2k	-	18 Month Roth IRA
0.50%	$2k	-	12 Month Traditional IRA
0.50%	$2k	-	12 Month Roth IRA
0.30%	$500	-	13 Month Traditional IRA
0.30%	$500	-	13 Month Roth IRA
0.20%	$50k	-	IRA Cash Account

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

VANTAGE
NCUA #	67804
BankRate Report	View
Year Chartered	1957
Employees	267
Primary Regulator
Assets and Liabilities
Assets	$673.36 million
Loans	$446.90 million
Deposits	$583.47 million
Equity Capital	$60.33 million
Loan Loss Allowance	$7.09 million
Unbacked Noncurrent Loans	$4.71 million
Real Estate Owned	$58,000
Historic Data - December 2010
Assets	$643.19 million
Equity Capital	$60.96 million
Loan Loss Allowance	$7.24 million
Unbacked Noncurrent Loans	$6.34 million
Real Estate Owned	$95,000
Profit Margin - Quarterly
Net Interest Margin	5.61%
Return on Assets	-0.08%
Return on Equity	-0.93%
Interest Income	$29.05 million
Non-Interest Income	$17.18 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Vantage Credit Union had $4.77 million in non-current loans and owned real-estate with $67.42 million in equity and loan loss allowances on hand to cover it. This gives Vantage Credit Union a Texas Ratio of 7.07% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Vantage Credit Union decreased slightly from 9.44% as of December 31, 2010 to 7.07% as of December 31, 2011, resulting in a positive change of 25.07%.This indicates that the balance sheet and financial strength for Vantage Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Vantage Credit Union has increased its total deposits by $25.6 million, resulting in 4.59% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Vantage Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Vantage Credit Union has $673.36 million in assets with $67.42 million in equity, resulting in a capitalization level of 10.01%, which is above average.

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