VITAL Federal Credit Union

Overview / Commentary
1000 Asheville Hwy
Spartanburg, SC 29303

VITAL Federal Credit Union is headquartered in Spartanburg and is the 31st largest credit union in the state of South Carolina. It is also the 2,301st largest credit union in the nation. It was established in 1964 and as of June of 2023, it had grown to 15 employees and 6,635 members at 1 location. VITAL Federal Credit Union's CD rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Vital Federal Credit Union is open to those who live, work, worship, or attend school in Spartanburg County, South Carolina.
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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. VITAL Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #24536
Year Chartered1964
Primary Regulator
Profit Margin
Return on Assets - YTD1.36%
Return on Equity - YTD10.71%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$60.1MM$67.0MM
LoansQ2 2023vs Q2 2022$48.1MM$42.0MM
DepositsQ2 2023vs Q2 2022$52.0MM$60.4MM
Equity CapitalQ2 2023vs Q2 2022$7.7MM$6.4MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$134.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$51.00K$5.00K
Real Estate OwnedQ2 2023vs Q2 2022$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.

VITAL Federal Credit Union Savings Account Rates

0.30%-$10mIRA Share
0.10%$500-Regular Shares
0.10%-$10mChristmas Club

VITAL Federal Credit Union Checking Account Rates

0.30%*$25k*-Elite Checking
OTHER TIERS: 0.10% $150 - $2.5k | 0.20% $2.5k - $25k

VITAL Federal Credit Union CD Rates

5.09%$500-18 Month CD Special
4.06%$500-15 Month CD Special
3.80%$500-12 Month CD
3.03%$500-36 Month CD
2.52%$500-24 Month CD

VITAL Federal Credit Union IRA Rates

3.80%$500-12 Month IRA
3.03%$500-36 Month IRA
2.52%$500-24 Month IRA

VITAL Federal Credit Union Locations
Corporate Office1450 John B White SR BlvdSpartanburg, SC 29306

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