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Vantage Credit Union


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 400th largest credit union in the nation. It was established in 1957 and as of June of 2024, it had grown to 256 employees and 70,035 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.


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Health
B

Data as of Q2 2024

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Health Grade Components

Overall
NCUA #67804
Year Chartered1957
Employees256
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD6.88%
Annual Interest Income$27MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$1.14B$1.16B
LoansQ2 2024vs Q2 2023$814.1MM$772.9MM
DepositsQ2 2024vs Q2 2023$980.3MM$1.01B
Equity CapitalQ2 2024vs Q2 2023$72.6MM$73.2MM
Loan Loss AllowanceQ2 2024vs Q2 2023$7.5MM$3.7MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$5.1MM$3.1MM
Real Estate OwnedQ2 2024vs Q2 2023$0$0
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
1.00%*$100k*-IRA Savings
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
2.50%*$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 Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$0$5kVantage Rewards+ Checking

Vantage Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$10k-9 Month CD Special
4.25%$10k-15 Month CD Special
3.75%$50k-60 Month Jumbo CD
3.60%$50k-48 Month Jumbo CD
3.50%$50k-36 Month Jumbo Step-Up CD
3.35%$50k-24 Month Jumbo CD
3.25%$2k-60 Month CD
3.20%$50k-18 Month Jumbo CD
3.15%$2k-48 Month CD
3.05%$2k-36 Month Step-Up CD
3.00%$50k-12 Month Jumbo CD
2.95%$2k-24 Month CD
2.85%$2k-18 Month CD
2.75%$2k-12 Month CD
2.50%$50k-6 Month Jumbo CD
2.25%$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
3.60%$50k-48 Month Jumbo Traditional IRA
3.60%$50k-48 Month Jumbo Roth IRA
3.50%$50k-36 Month Step-Up Jumbo Traditional IRA
3.50%$50k-36 Month Step-Up Jumbo Roth IRA
3.35%$50k-24 Month Jumbo Traditional IRA
3.35%$50k-24 Month Jumbo Roth IRA
3.25%$2k-60 Month Traditional IRA
3.25%$2k-60 Month Roth IRA
3.20%$50k-18 Month Jumbo Traditional IRA
3.20%$50k-18 Month Jumbo Roth IRA
3.15%$2k-48 Month Traditional IRA
3.15%$2k-48 Month Roth IRA
3.05%$2k-36 Month Step-Up Traditional IRA
3.05%$2k-36 Month Step-Up Roth IRA
3.00%$50k-12 Month Jumbo Traditional IRA
3.00%$50k-12 Month Jumbo Roth IRA
2.95%$2k-24 Month Traditional IRA
2.95%$2k-24 Month Roth IRA
2.85%$2k-18 Month Traditional IRA
2.85%$2k-18 Month Roth IRA
2.75%$2k-12 Month Traditional IRA
2.75%$2k-12 Month Roth IRA
Locations

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