Vantage Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.25% | 5-year CD | 60 Month CD 2.85% - Barclays 60 Month Online CD |
| 0.50% | Savings | Special Savings Account |
| 0.45% | 1-year CD | 13 Month Starter CD |
Vantage Credit Union is headquartered in Bridgeton and is the 3rd largest credit union in the state of Missouri. It is also the 350th largest credit union in the nation. It was established in 1957 and as of March of 2018, it had grown to 230 employees and 87,664 members at 14 locations. Vantage Credit Union's money market rates are 93% higher than the national average, and it has a B+ health rating.
Field of Membership Restrictions
Membership is open to current or retired employees of the U.S. government including all branches of the military. Membership is also open to those who live or work in Franklin, Jefferson, St. Louis, St. Charles, or Warren Counties in Missouri and Madison or St. Clair Counties in Illinois, and in select zip codes within the counties of Ste. Genevieve and St. Francois. Membership is also open to employees, retirees, students, and members of the PTO of any public and private schools, universities, colleges or other educational institutions in Crawford, Dent, Franklin, Gasconade, Iron, Jefferson, Lincoln, Maries, Miller, Montgomery, Osage, Phelps, Pulaski, St. Charles, St. Francois, St. Louis, Warren, or Washington counties in Missouri, and select school districts in Illinois.
See current membership details
Credit Union or Bank?
Before I began banking with VCU (Vantage Credit Union) I didn't know how good the experience could be. From the time I set up my account there until today I have been only satisfied with my experience. When you have specific questions, you can walk in any time of day and set up a quick meeting. The tellers are always extremely friendly and happy to help out any way they can. They way they handle overdrafts is fantastic. They don't charge you money every time you overdraft. They are a fair Credit Union and put my previous bank experiences to shame.
Vantage is a Great Credit Union Who Works for Their Customers
My overall experience with Vantage Credit Union has been a very pleasant experience. I was having trouble getting an account at other banks/credit unions because of past things but they gave me a chance to improve on those things and allowed to give me an account. They don't have outrageous fees for overdrafting and they don't try to make extra money off of their customers like other banks do. In addition to great banking services, they offer all sorts of additional things, usually for free. They have a free notary service which I have needed to use on one occasion, saving me a few bucks and a lot of headache because it was so easy to use. They also offer discount tickets to events around the city like baseball games and tickets to the amusement park. Another thing they offer is a change machine so that you can convert all your coins into cash and there is no service fee to use it.
Greed Based Banking
They prey on their customers mistakes. I got hit with almost $300 in fees. My account went in to overdraft and I was late on the payment. They sent me a notice via SNAIL MAIL with threats that arrive to my house 3 days AFTER they already took action and gave me no ability to correct the issue. Their choice of action was to "suspend my overdraft protection" and letting my account incur more and more fees (just under $300 worth)... If they were worried that I wasn't going to "make good" on $10.00.... why on earth would they purposely disable my overdraft protection causing me to owe them almost $300 now. Simple.. GREED, I paid the fee after a long debate with them when they refused to refund any of their excessive fees back to me. I closed my accounts, cashed out my CD's and moved my business to elsewhere and I have absolutely 0 issues there and never had any fees whatsoever. They even have awesome tools and notifications to help you avoid fees... they believe it earning money by HELPING people and providing services to people. Vantage seems to make their money on fees rather than services. I would suggest that you look at all banking options before choosing this one, Good luck!
VCU: Cares About You
After banking with Bank of America for over two years I ended up switching to Vantage Credit Union due to poor customer service at Bank of America. Thankfully Vantage Credit Union has been great. Their website is responsive and easy to navigate. I pay my credit card bill every month from their website without any issues. It's always easy for me to transfer money from my savings account to checking. Anytime I've needed customer support Vantage Credit Union has solved my issues in a timely manner. When I need to deposit a check I simply go through their drive-thru for a quick deposit, there is never a line longer than one or two cars. Their banking fees are also incredibly reasonable, if I withdraw money from a VCU ATM there isn't a fee. I also have over-draft protection on my checking account that has actually saved me money when I a company overcharged my checking account. I would rather be a part of a smaller credit union that actually cares about each of their customers than a big bank that feels like they can ignore their smaller customers. I will continue to bank with Vantage Credit Union as long as they keep up their friendly customer service and keep their website easy to navigate.
Data as of Q1 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67804 |
| Year Chartered | 1957 |
| Employees | 230 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.69% |
| Return on Equity - YTD | 10.35% |
| Annual Interest Income | $7.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2018vs Q1 2017 | $862.8MM$848.6MM |
| Loans | Q1 2018vs Q1 2017 | $460.9MM$497.2MM |
| Deposits | Q1 2018vs Q1 2017 | $781.7MM$768.7MM |
| Equity Capital | Q1 2018vs Q1 2017 | $56.6MM$57.1MM |
| Loan Loss Allowance | Q1 2018vs Q1 2017 | $4.5MM$4.9MM |
| Unbacked Noncurrent Loans | Q1 2018vs Q1 2017 | $2.7MM$3.5MM |
| Real Estate Owned | Q1 2018vs Q1 2017 | $0$25.00K |
Always verify rates and promotions with the bank or credit union. We are not Vantage Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Vantage Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.00% | - | - | Deferred Compensation Plan (DCP) Fixed | ||
| 2.00% | - | - | Deferred Compensation Plan (DCP) Variable | ||
| 0.50%* | $100k* | - | Regular Savings Account | ||
| OTHER TIERS: 0.05% → Up to $2k | 0.10% → $2k - $5k | 0.15% → $5k - $10k | 0.20% → $10k - $20k | 0.25% → $20k - $50k | 0.35% → $50k - $100k | |||||
| 0.50%* | $100k* | - | Special Savings Account | ||
| OTHER TIERS: 0.05% → Up to $2k | 0.10% → $2k - $5k | 0.15% → $5k - $10k | 0.20% → $10k - $20k | 0.25% → $20k - $50k | 0.35% → $50k - $100k | |||||
| 0.50%* | $100k* | - | IRA Cash Account | ||
| OTHER TIERS: 0.05% → Up to $2k | 0.10% → $2k - $5k | 0.15% → $5k - $10k | 0.20% → $10k - $20k | 0.25% → $20k - $50k | 0.35% → $50k - $100k | |||||
| 0.10% | - | - | Holiday Club Savings | ||
| 0.05% | - | - | Secured MasterCard Savings | ||
Vantage Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.85%* | $100k* | - | Premier Money Market Account | ||
| OTHER TIERS: 0.15% → Up to $10k | 0.50% → $10k - $20k | 0.60% → $20k - $50k | 0.70% → $50k - $100k | |||||
Vantage Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.50% | $50k | - | 60 Month Jumbo CD | |
| 2.25% | $2k | - | 60 Month CD | |
| 2.25% | $50k | - | 48 Month Jumbo CD | |
| 2.00% | $2k | - | 48 Month CD | |
| 2.00% | $50k | - | 36 Month Jumbo Step-Up CD | |
| 1.75% | $2k | - | 36 Month Step-Up CD | |
| 1.75% | $50k | - | 24 Month Jumbo CD | |
| 1.50% | $2k | - | 24 Month CD | |
| 1.50% | $50k | - | 18 Month Jumbo CD | |
| 1.25% | $2k | - | 18 Month CD | |
| 1.25% | $50k | - | 12 Month Jumbo CD | |
| 1.25% | $10k | - | 15 Month CD Special | |
| 1.00% | $2k | - | 12 Month CD | |
| 1.00% | $10k | - | 9 Month CD Special | |
| 0.95% | $50k | - | 6 Month Jumbo CD | |
| 0.80% | $250 | - | 25 Month SmartSaver CD | |
| 0.70% | $2k | - | 6 Month CD | |
| 0.45% | $500 | - | 13 Month Starter CD |
Vantage Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.50% | $50k | - | 60 Month Jumbo Traditional IRA | |
| 2.50% | $50k | - | 60 Month Jumbo Roth IRA | |
| 2.25% | $2k | - | 60 Month Traditional IRA | |
| 2.25% | $50k | - | 48 Month Jumbo Traditional IRA | |
| 2.25% | $50k | - | 48 Month Jumbo Roth IRA | |
| 2.25% | $2k | - | 60 Month Roth IRA | |
| 2.00% | $2k | - | 48 Month Traditional IRA | |
| 2.00% | $50k | - | 36 Month Step-Up Jumbo Traditional IRA | |
| 2.00% | $50k | - | 36 Month Step-Up Jumbo Roth IRA | |
| 2.00% | $2k | - | 48 Month Roth IRA | |
| 1.75% | $2k | - | 36 Month Step-Up Traditional IRA | |
| 1.75% | $50k | - | 24 Month Jumbo Traditional IRA | |
| 1.75% | $50k | - | 24 Month Jumbo Roth IRA | |
| 1.75% | $2k | - | 36 Month Step-Up Roth IRA | |
| 1.50% | $2k | - | 24 Month Traditional IRA | |
| 1.50% | $50k | - | 18 Month Jumbo Traditional IRA | |
| 1.50% | $50k | - | 18 Month Jumbo Roth IRA | |
| 1.50% | $2k | - | 24 Month Roth IRA | |
| 1.25% | $2k | - | 18 Month Traditional IRA | |
| 1.25% | $50k | - | 12 Month Jumbo Traditional IRA | |
| 1.25% | $50k | - | 12 Month Jumbo Roth IRA | |
| 1.25% | $2k | - | 18 Month Roth IRA | |
| 1.00% | $2k | - | 12 Month Traditional IRA | |
| 1.00% | $2k | - | 12 Month Roth IRA |
