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Vermillion Federal Credit Union

Popular Accounts at this Credit Union

1.41%5-year CD60 Month Share Certificate
0.53%1-year CD12 Month Share Certificate
0.05%SavingsRegular Share Savings Account

Overview / Commentary
105 E Cherry St
Vermillion, SD 57069

Vermillion Federal Credit Union is headquartered in Vermillion and is the 26th largest credit union in the state of South Dakota. It is also the 3,645th largest credit union in the nation. It was established in 1959 and as of December of 2016, it had grown to 6 employees and 2,376 members at 1 location. Vermillion Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in, and businesses located in Clay County, South Dakota, Dixon County, Nebraska and most of Union County, South Dakota.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Vermillion Federal Credit Union has a low asset base.

Health Grade Components

NCUA #12983
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD3.91%
Annual Interest Income$493.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$16.8MM$16.7MM
LoansQ4 2016vs Q4 2015$8.3MM$7.5MM
DepositsQ4 2016vs Q4 2015$14.6MM$14.7MM
Equity CapitalQ4 2016vs Q4 2015$2.0MM$1.9MM
Loan Loss AllowanceQ4 2016vs Q4 2015$12.00K$12.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$79.00K$15.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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Vermillion Federal Credit Union Savings Account Rates

0.05%$50-Regular Share Savings Account

Vermillion Federal Credit Union CD Rates

1.41%$5k-60 Month Share Certificate
1.19%$2k-36 Month Share Certificate
1.00%$1k-24 Month Share Certificate
0.75%$1k-18 Month Share Certificate
0.53%$500-12 Month Share Certificate
0.26%$500-6 Month Share Certificate
0.10%$500-3 Month Share Certificate

Vermillion Federal Credit Union Locations
Branch Office105 E Cherry StVermillion, SD 57069