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Vantage Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.vcu.com
314-298-0055
19 Research Park Ct
Saint Charles, MO 63304

Vantage Credit Union is headquartered in Saint Charles and is the 3rd largest credit union in the state of Missouri. It is also the 419th largest credit union in the nation. It was established in 1957 and as of March of 2025, it had grown to 260 employees and 68,425 members at 14 locations. Vantage Credit Union's money market rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Vantage Credit Union is open to individuals and their immediate family members who live or work in the Missouri counties of Cape Girardeau, Franklin, Jefferson, St. Charles, St. Louis, or Warren, or St. Louis City; the Missouri Zip Codes of 63627, 63628, or 63670; or the Illinois counties of Madison or St. Clair.

Individual or their immediate family members who currently work for, are retired from, or are associated with (including students and parents who are members of a PTA/PTO) any public or private school, college, university, or other educational institution in the Missouri counties of Crawford, Dent, Franklin, Gasconade, Iron, Jefferson, Lincoln, Maries, Miller, Montgomery, Osage, Phelps, Pulaski, St. Charles, St. Francois, St. Louis, Warren, or Washington qualify for membership, as do the Bakersfield R-IV Schools (Ozark County) or Centerville R-I Schools (Reynolds County); or Jerseyville (Jersey County), Madison (Districts 1, 13, 14, 15 and Region III), Springfield, IL Catholic Diocese Schools (Sangamon County), Southwestern (Jersey County) in Illinois.


See current membership details

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #67804
Year Chartered1957
Employees260
Primary Regulator
Profit Margin
Return on Assets - YTD-0.11%
Return on Equity - YTD-1.6%
Annual Interest Income$13.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.11B$1.18B
LoansQ1 2025vs Q1 2024$794.2MM$807.7MM
DepositsQ1 2025vs Q1 2024$996.6MM$980.3MM
Equity CapitalQ1 2025vs Q1 2024$78.5MM$71.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$7.5MM$5.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$4.1MM$4.9MM
Real Estate OwnedQ1 2025vs Q1 2024$40K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/25/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$100k*-Regular Savings Account
OTHER TIERS: 0.25% → $0 - $10k | 0.35% → $10k - $20k | 0.50% → $20k - $50k | 0.75% → $50k - $100k
1.00%*$100k*-Special Savings Account
OTHER TIERS: 0.25% → $0 - $10k | 0.35% → $10k - $20k | 0.50% → $20k - $50k | 0.75% → $50k - $100k
0.25%$0-Holiday Club Savings
0.05%$0-MasterCard Secured Savings

Vantage Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%*$100k*-Premier Money Market Account
OTHER TIERS: 0.25% → $0 - $10k | 1.00% → $10k - $20k | 1.50% → $20k - $50k | 2.00% → $50k - $100k

Vantage Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$10k-9 Month CD Special
3.75%$50k-60 Month Jumbo CD
3.70%$50k-48 Month Jumbo CD
3.60%$50k-36 Month Jumbo Step-Up CD
3.55%$50k-24 Month Jumbo CD
3.50%$50k-12 Month Jumbo CD
3.50%$50k-18 Month Jumbo CD
3.25%$2k-48 Month CD
3.25%$2k-60 Month CD
3.20%$2k-24 Month CD
3.20%$2k-36 Month Step-Up CD
3.15%$2k-12 Month CD
3.15%$2k-18 Month CD
2.75%$50k-6 Month Jumbo CD
2.50%$2k-6 Month CD
1.00%$500-13 Month Starter CD

Vantage Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$50k-60 Month Jumbo Traditional IRA
3.75%$50k-60 Month Jumbo Roth IRA
3.70%$50k-48 Month Jumbo Traditional IRA
3.70%$50k-48 Month Jumbo Roth IRA
3.60%$50k-36 Month Step-Up Jumbo Traditional IRA
3.60%$50k-36 Month Step-Up Jumbo Roth IRA
3.55%$50k-24 Month Jumbo Traditional IRA
3.55%$50k-24 Month Jumbo Roth IRA
3.50%$50k-12 Month Jumbo Traditional IRA
3.50%$50k-18 Month Jumbo Traditional IRA
3.50%$50k-12 Month Jumbo Roth IRA
3.50%$50k-18 Month Jumbo Roth IRA
3.25%$2k-48 Month Traditional IRA
3.25%$2k-60 Month Traditional IRA
3.25%$2k-48 Month Roth IRA
3.25%$2k-60 Month Roth IRA
3.20%$2k-24 Month Traditional IRA
3.20%$2k-36 Month Step-Up Traditional IRA
3.20%$2k-24 Month Roth IRA
3.20%$2k-36 Month Step-Up Roth IRA
3.15%$2k-12 Month Traditional IRA
3.15%$2k-18 Month Traditional IRA
3.15%$2k-12 Month Roth IRA
3.15%$2k-18 Month Roth IRA
1.00%*$100k*-IRA Savings
OTHER TIERS: 0.25% → $0 - $10k | 0.35% → $10k - $20k | 0.50% → $20k - $50k | 0.75% → $50k - $100k
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