Overview / Commentary
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 2,289th largest credit union in the nation. It was established in 1964 and as of December of 2018, it had grown to 17 employees and 7,286 members at 2 locations. VITAL Federal Credit Union's CD rates are 67% 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.
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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 - YTD0.62%
Return on Equity - YTD5.94%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$51.8MM$51.2MM
LoansQ4 2018vs Q4 2017$37.8MM$37.4MM
DepositsQ4 2018vs Q4 2017$46.1MM$45.5MM
Equity CapitalQ4 2018vs Q4 2017$5.4MM$5.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$151.00K$112.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$59.00K$153.00K
Real Estate OwnedQ4 2018vs Q4 2017$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

0.25%$500-Regular Shares
0.25%-$10mIRA Share
0.25%-$10mChristmas Club
0.25%--Roth & Coverdell IRA

VITAL Federal Credit Union Checking Account Rates

0.45%*$25k*-Elite Checking
OTHER TIERS: 0.25% $150 - $2.5k | 0.35% $2.5k - $25k

VITAL Federal Credit Union CD Rates

3.03%$500-36 Month CD
2.01%$500-24 Month CD
1.50%$500-12 Month CD

VITAL Federal Credit Union IRA Rates

3.03%$500-36 Month IRA
2.01%$500-24 Month IRA
1.50%$500-12 Month IRA

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

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