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Overview / Commentary
4020 Fee Fee Rd
Bridgeton, MO 63044

Vantage Credit Union is headquartered in Bridgeton and is the 3rd largest credit union in the state of Missouri. It is also the 348th largest credit union in the nation. It was established in 1957 and as of December of 2017, it had grown to 224 employees and 89,343 members at 14 locations. Vantage Credit Union's CD rates are 28% 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

Posted by: rhazz | Apr 22, 2016

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 Is BAD They Don't Deserve Even 1 Star

Posted by: Mommyof4 | Jul 13, 2017

We have been members of VCU for 20 years! They were so bad we had to open another acount from a different bank because there were weekends when we couldn't get into our money without any warning. I couldn't use my atm nor my debit card. Then they started charging to use your debit card as a debit card. Now they are trying to take fees out of my account without any basis. I've had it with them and I'm done. They used to be a good CU. Not any more. The manager actually treated me like a child when I have an accounting background!!!



Health Grade Components

NCUA #67804
Year Chartered1957
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD5.37%
Annual Interest Income$28.1MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$838.3MM$827.4MM
LoansQ4 2017vs Q4 2016$475.7MM$505.9MM
DepositsQ4 2017vs Q4 2016$751.9MM$743.0MM
Equity CapitalQ4 2017vs Q4 2016$55.5MM$57.9MM
Loan Loss AllowanceQ4 2017vs Q4 2016$4.7MM$4.9MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$3.6MM$4.8MM
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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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

2.00%--Deferred Compensation Plan (DCP) Fixed
2.00%--Deferred Compensation Plan (DCP) Variable
0.45%*$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 | 0.30% $50k - $100k
0.45%*$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 | 0.30% $50k - $100k
0.45%*$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 | 0.30% $50k - $100k
0.10%--Holiday Club Savings
0.05%--Secured MasterCard Savings

Vantage Credit Union Money Market Rates

0.55%*$100k*-Premier Money Market Account
OTHER TIERS: 0.15% Up to $10k | 0.30% $10k - $20k | 0.35% $20k - $50k | 0.45% $50k - $100k

Vantage Credit Union CD Rates

2.25%$50k-60 Month Jumbo CD
2.00%$2k-60 Month CD
1.90%$50k-48 Month Jumbo CD
1.65%$2k-48 Month CD
1.65%$50k-36 Month Step-Up Jumbo CD
1.40%$2k-36 Month Step-Up CD
1.40%$50k-24 Month Jumbo CD
1.25%$50k-18 Month Jumbo CD
1.25%$10k-15 Month CD Special
1.15%$2k-24 Month CD
1.15%$50k-12 Month Jumbo CD
1.10%$2k-11 Month CD Special
1.00%$2k-18 Month CD
0.90%$2k-12 Month CD
0.90%$10k-9 Month CD Special
0.85%$50k-6 Month Jumbo CD
0.60%$2k-6 Month CD
0.55%$250-25 Month SmartSaver CD
0.45%$500-13 Month Starter CD

Vantage Credit Union IRA Rates

2.25%$50k-60 Month Jumbo Traditional IRA
2.25%$50k-60 Month Jumbo Roth IRA
2.00%$2k-60 Month Traditional IRA
2.00%$2k-60 Month Roth IRA
1.90%$50k-48 Month Jumbo Traditional IRA
1.90%$50k-48 Month Jumbo Roth IRA
1.65%$2k-48 Month Traditional IRA
1.65%$50k-36 Month Step-Up Jumbo Traditional IRA
1.65%$50k-36 Month Step-Up Jumbo Roth IRA
1.65%$2k-48 Month Roth IRA
1.40%$2k-36 Month Step-Up Traditional IRA
1.40%$50k-24 Month Jumbo Traditional IRA
1.40%$50k-24 Month Jumbo Roth IRA
1.40%$2k-36 Month Step-Up Roth IRA
1.25%$50k-18 Month Jumbo Traditional IRA
1.25%$50k-18 Month Jumbo Roth IRA
1.15%$2k-24 Month Traditional IRA
1.15%$50k-12 Month Jumbo Traditional IRA
1.15%$50k-12 Month Jumbo Roth IRA
1.15%$2k-24 Month Roth IRA
1.00%$2k-18 Month Traditional IRA
1.00%$2k-18 Month Roth IRA
0.90%$2k-12 Month Traditional IRA
0.90%$2k-12 Month Roth IRA