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Overview / Commentary
314-298-0055
4020 Fee Fee Rd
Bridgeton, MO 63044

Vantage Credit Union is headquartered in Bridgeton and is the 4th largest credit union in the state of Missouri. It is also the 310st largest credit union in the nation. It was established in 1957 and as of December of 2013, it had grown to 253 employees and 101,710 members. Vantage Credit Union's savings rates are 92% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

Must be an employee of an educational institution in any of the following counties: Crawford, Dent, Franklin, Gasconade, Iron, Jefferson, Lincoln, Maries, Montgomery, Osage, Phelps, Pulaski, St. Charles, St. Francois, St. Louis, Warren or Washington in Missouri or Madison, Jerseyville or Southwestern Illinois. Also open to employees of several select employee groups. - See Details

Reviews (2)

Warning!!!!!

worst bank ever!!!!! warning .... got a car loan from them they charged me a hi risk insurance policy be cause i did not show proof of insurance right away. $$$$600 after my insurance company called them and explained that there was no gap in my insurance they said it was too late and made me still pay. so i decided to refinance with a better bank and now they are making me jump through all kinda hoops to get a pay off and copy of title. they just put you on hold or when you get some one on the phone they tell you that they cant send it or some crap. i would like to mention how i got stuck with them in the first place, i bought a car from frank Leta Acura and they wouldn't use the bank i recommend . almost 8% interest on a used car when i have 780 credit???? i recommend Scott credit union 2.3% interest on same car... also the people at vantage are non educated on there policy and the law... warning don't get involved with them.. thanks scott .

Poor Communication

"Forget" vantage credit union. I lost a job because of them; they blocked my card, and didn't say anything. I couldn't get gas for my car or food for my child. They could have called or left me a message online in my inbox or something.



Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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, 2013 Vantage Credit Union had $4.3 million in non-current loans and owned real-estate with $65.03 million in equity and loan loss allowances on hand to cover it. This gives Vantage Credit Union a Texas Ratio of 6.61% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Vantage Credit Union experienced no significant changes from 6.42% as of December 31, 2012 to 6.61% as of December 31, 2013, resulting in a negative change of 3.03%. This indicates that the balance sheet and financial strength for Vantage Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A

In the past year, Vantage Credit Union has increased its total deposits by $20.26 million, resulting in 3.32% 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 excellent.

Capitalization

GRADE:
C+

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 $705.41 million in assets with $65.03 million in equity, resulting in a capitalization level of 9.22%, which is average.

Institution Statistics

Overall
NCUA #67804
Year Chartered1957
Employees253
Primary Regulator
Assets and Liabilities
Assets$705.41 million
Loans$505.29 million
Deposits$630.76 million
Equity Capital$58.89 million
Loan Loss Allowance$6.14 million
Unbacked Noncurrent Loans$4.06 million
Real Estate Owned$244,000
Historic Data - December 2012
Assets$701.93 million
Equity Capital$58.39 million
Loan Loss Allowance$6.64 million
Unbacked Noncurrent Loans$4.06 million
Real Estate Owned$125,000
Profit Margin - Quarterly
Net Interest Margin5.2%
Return on Assets0.24%
Return on Equity2.89%
Interest Income$29.62 million
Rates
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Vantage Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.00%--Deferred Compensation Plan (DCP) Fixed
1.00%--Deferred Compensation Plan (DCP) Variable
0.20%$50k-Regular Savings Account
0.20%$50k-Special Savings Account
0.20%$50k-IRA Cash Account
0.05%--Holiday Club Savings Account
0.05%--Visa Secure Savings Account

Vantage Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$50k-Premier Money Market Account

Vantage Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.70%$50k-60 Month Jumbo CD
1.45%$2k-60 Month CD
1.40%$50k-48 Month Jumbo CD
1.15%$2k-48 Month CD
0.75%$50k-24 Month Jumbo CD
0.70%$2k-36 Month Step-Up CD
0.70%$50k-36 Month Step-Up Jumbo CD
0.65%$2k-24 Month CD
0.60%$50k-18 Month Jumbo CD
0.50%$2k-18 Month CD
0.50%$50k-12 Month Jumbo CD
0.40%$250-25 Month SmartSaver CD
0.40%$2k-12 Month CD
0.35%$50k-6 Month Jumbo CD
0.25%$500-13 Month Starter CD
0.25%$2k-6 Month CD

Vantage Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.70%$50k-60 Month Jumbo Traditional IRA
1.70%$50k-60 Month Jumbo Roth IRA
1.45%$2k-60 Month Traditional IRA
1.45%$2k-60 Month Roth IRA
1.40%$50k-48 Month Jumbo Traditional IRA
1.40%$50k-48 Month Jumbo Roth IRA
1.15%$2k-48 Month Traditional IRA
1.15%$2k-48 Month Roth IRA
0.75%$50k-24 Month Jumbo Traditional IRA
0.75%$50k-24 Month Jumbo Roth IRA
0.70%$2k-36 Month Step-Up Traditional IRA
0.70%$50k-36 Month Step-Up Jumbo Traditional IRA
0.70%$50k-36 Month Step-Up Jumbo Roth IRA
0.70%$2k-36 Month Step-Up Roth IRA
0.65%$2k-24 Month Traditional IRA
0.65%$2k-24 Month Roth IRA
0.60%$50k-18 Month Jumbo Traditional IRA
0.60%$50k-18 Month Jumbo Roth IRA
0.50%$2k-18 Month Traditional IRA
0.50%$50k-12 Month Jumbo Traditional IRA
0.50%$50k-12 Month Jumbo Roth IRA
0.50%$2k-18 Month Roth IRA
0.40%$2k-12 Month Traditional IRA
0.40%$2k-12 Month Roth IRA
0.25%$500-13 Month Traditional IRA
0.25%$500-13 Month Roth IRA
Locations

Vantage Credit Union has 15 locations. Click to view all Vantage Credit Union locations.