Featured Savings Rates
Featured Accounts

VITAL Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.01%3-year CD36 Month CD
2.01%3-year IRA36 Month IRA
1.00%1-year CD12 Month CD

Overview / Commentary
864-948-8200
1000 Asheville Hwy
Spartanburg, SC 29303

VITAL Federal Credit Union is headquartered in Spartanburg and is the 30th largest credit union in the state of South Carolina. It is also the 2,334th largest credit union in the nation. It was established in 1964 and as of June of 2017, it had grown to 19 employees and 7,244 members at 2 locations. VITAL Federal Credit Union's CD rates are 11% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in Spartanburg County, and to employees of select area businesses.
See current membership details

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Health
B+
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. VITAL Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #24536
Year Chartered1964
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD0.56%
Return on Equity - YTD5.67%
Annual Interest Income$900.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$50.8MM$45.3MM
LoansQ2 2017vs Q2 2016$37.0MM$32.7MM
DepositsQ2 2017vs Q2 2016$45.5MM$40.4MM
Equity CapitalQ2 2017vs Q2 2016$4.9MM$4.7MM
Loan Loss AllowanceQ2 2017vs Q2 2016$128.00K$107.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$158.00K$159.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$158.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

VITAL Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%$500-Regular Shares
0.25%--IRA Share
0.25%--Christmas Club
0.25%--Roth IRA
0.25%--Coverdell IRA

VITAL Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$25k*-Elite Checking
OTHER TIERS: 0.25% $150 - $2,500 | 0.35% $2,500 - $15k | 0.36% $15k - $25k
0.25%$150-Checking

VITAL Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.01%$500-36 Month CD
1.25%$500-24 Month CD
1.00%$500-12 Month CD

VITAL Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.01%$500-36 Month IRA
1.25%$500-24 Month IRA
1.00%$500-12 Month IRA
Locations


VITAL Federal Credit Union Locations
Branch Office1000 Asheville HwySpartanburg, SC 29303
Branch Office1595 E Main StDuncan, SC 29334