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Vantage Credit Union

Popular Accounts at this Credit Union

1.50%5-year CD60 Month CD
0.45%1-year CD11 Month CD Special
0.30%SavingsSpecial Savings Account

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 336th largest credit union in the nation. It was established in 1957 and as of March of 2017, it had grown to 243 employees and 95,318 members at 15 locations. Vantage Credit Union 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

Reviews (7)

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.

Pretty Good

Posted by: Harv | Jul 23, 2014

Vantage Credit Union is very flexible. We have our car payment with them. They have excellent customer service and great deals for new customers. We haven't had any difficulties with them yet and recommend them to friends.

Lower End of the Credit Union Spectrum

Posted by: EmmeW2 | Jun 6, 2014

Vantage is not one of the best credit unions to work with although they appear to offer the same dealings as other credit unions. Their customer service leaves a lot to be desired as the tellers can often be very rude and demeaning. Although it is understandable that a lot of volume does go through this bank, they are beginning to charge service fees for a lot of services that used to be free, and this is putting them on the same platform as a bank rather than a credit union. Their loan products are sub par, the products they offer are becoming more outdated, although they are attempting to keep with the times, and I do not like the numerous restrictions that are on the account options that they offer.

Commendable Credit Union

Posted by: EmmeW | May 3, 2014

I have been a member of this credit union for a number of years, although they have ceased to serve a purpose for me in more recent times. While they do offer the same products that other credit unions offer, their customer service is lacking, and the representatives at the branches are not always the nicest of people. One tends to feel ignored when coming into the branch, and the friendliness of the company leaves a lot to be desired.

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!


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

Posted by: boscott | Sep 29, 2013

"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 Grade Components

NCUA #67804
Year Chartered1957
Primary Regulator
Profit Margin
Return on Assets - YTD-0.46%
Return on Equity - YTD-6.82%
Annual Interest Income$6.8MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$848.6MM$798.5MM
LoansQ1 2017vs Q1 2016$497.2MM$551.5MM
DepositsQ1 2017vs Q1 2016$768.7MM$720.1MM
Equity CapitalQ1 2017vs Q1 2016$57.1MM$59.2MM
Loan Loss AllowanceQ1 2017vs Q1 2016$4.9MM$5.3MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$3.5MM$4.2MM
Real Estate OwnedQ1 2017vs Q1 2016$25.00K$65.00K
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Vantage Credit Union Savings Account Rates

1.00%--Deferred Compensation Plan (DCP) Fixed
1.00%--Deferred Compensation Plan (DCP) Variable
0.30%*$100k*-Regular Savings Account
OTHER TIERS: 0.05% Up to $20k | 0.10% $20k - $50k | 0.15% $50k - $100k
0.30%*$100k*-Special Savings Account
OTHER TIERS: 0.05% Up to $20k | 0.10% $20k - $50k | 0.15% $50k - $100k
0.30%*$100k*-IRA Cash Account
OTHER TIERS: 0.05% Up to $20k | 0.10% $20k - $50k | 0.15% $50k - $100k
0.05%--Secured MasterCard Savings
0.05%--Holiday Club Savings

Vantage Credit Union Money Market Rates

0.40%*$100k*-Premier Money Market Account
OTHER TIERS: 0.10% Up to $10k | 0.20% $10k - $20k | 0.25% $20k - $50k | 0.30% $50k - $100k

Vantage Credit Union CD Rates

1.75%$50k-60 Month Jumbo CD
1.50%$2k-60 Month CD
1.45%$50k-48 Month Jumbo CD
1.20%$2k-48 Month CD
1.05%$50k-36 Month Step-Up Jumbo CD
1.00%$50k-24 Month Jumbo CD
0.80%$2k-36 Month Step-Up CD
0.80%$50k-18 Month Jumbo CD
0.80%$2k-28 Month CD Special
0.75%$2k-24 Month CD
0.75%$50k-12 Month Jumbo CD
0.65%$10k-15 Month CD Special
0.55%$2k-18 Month CD
0.55%$50k-6 Month Jumbo CD
0.55%$10k-9 Month CD Special
0.50%$2k-12 Month CD
0.45%$2k-11 Month CD Special
0.30%$2k-6 Month CD

Vantage Credit Union IRA Rates

1.75%$50k-60 Month Jumbo Traditional IRA
1.75%$50k-60 Month Jumbo Roth IRA
1.50%$2k-60 Month Traditional IRA
1.50%$2k-60 Month Roth IRA
1.45%$50k-48 Month Jumbo Traditional IRA
1.45%$50k-48 Month Jumbo Roth IRA
1.20%$2k-48 Month Traditional IRA
1.20%$2k-48 Month Roth IRA
1.05%$50k-36 Month Step-Up Jumbo Traditional IRA
1.05%$50k-36 Month Step-Up Jumbo Roth IRA
1.00%$50k-24 Month Jumbo Traditional IRA
1.00%$50k-24 Month Jumbo Roth IRA
0.80%$2k-36 Month Step-Up Traditional IRA
0.80%$50k-18 Month Jumbo Traditional IRA
0.80%$50k-18 Month Jumbo Roth IRA
0.80%$2k-36 Month Step-Up Roth IRA
0.75%$2k-24 Month Traditional IRA
0.75%$50k-12 Month Jumbo Traditional IRA
0.75%$50k-12 Month Jumbo Roth IRA
0.75%$2k-24 Month Roth IRA
0.55%$2k-18 Month Traditional IRA
0.55%$2k-18 Month Roth IRA
0.50%$2k-12 Month Traditional IRA
0.50%$2k-12 Month Roth IRA

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